Employment Practices Liability

Employment Practices Liability (EPL) insurance is one of the most urgent and necessary coverages for small and low mid-market businesses today. Claims involving wrongful termination, discrimination, harassment, retaliation, and wage-and-hour disputes are not limited to large corporations—they are increasingly filed against private companies and nonprofits, often catching business owners off guard. EPL insurance helps provide essential financial protection by covering legal defense costs, settlements, and judgments tied to these allegations. With the evolving regulatory landscape, increased social awareness, and changing workplace norms, the frequency and severity of EPL claims have surged—even for companies with as few as ten employees.

For brokers, offering EPL coverage is a critical part of helping clients manage the human side of risk. Many small and midsize businesses don’t have dedicated HR departments, formal training protocols, or the legal resources to navigate employment disputes. A single claim can be financially and reputationally devastating, regardless of merit. By guiding clients to understand their exposure and the value of EPL insurance, you’re protecting their people, their leadership, and their future. In today’s climate, where workforce dynamics are under constant scrutiny, EPL coverage has become foundational.