Employment Practices Liability Insurance

Employee liability

Protect Yourself from Employment Lawsuits

EPLI Offers Coverage for Liability and Defense Costs

Business owners, like you, know today’s workplace can generate unwelcome surprises. Surveys indicate that, despite how carefully people manage their businesses, more than 66% expect they will face an employee, vendor or customer lawsuit at some point. Defending against these claims can be a tough, costly and lengthy process.

You can add EPLI coverage as an enhancement to your CIG Commercial Insurance package or BOP policy to protect yourself and your business from costs associated with lawsuits resulting from wrongful employment acts whether valid or not. You’ll also have online access to forms and procedures, web-based training, a best-practices checklist, a customizable handbook, access to a toll-free advice line, and much more. These are the tools and information you need to avoid situations that can lead to an employment claim.

If you already have EPLI coverage with CIG through our Risk Mitigation platform, unlock all the benefits of your coverage now.

What EPLI covers:

  • Sexual Harassment
  • Wrongful Termination
  • Retaliation
  • Discrimination
  • Negligent Evaluation Practices
  • Wrongful Failure to Employ or Promote (EOE)
  • Wrongful Disciplinary Actions
  • Deprivation of Potential Career Opportunities
  • Wrongful Infliction of Emotional Distress or Stress

Coverage highlights:

  • Defense costs within policy limit
  • Up to $250,000 in limits (50 Employees or less – No application required)
  • Higher limits available with completed application – up to 250 employees
  • Deductible as low as $2,500*
  • Full Prior Acts coverage
  • Access to online loss prevention information and assistance
  • Access to legal advice that specializes in employment practices liability law in your state
  • Claims specialists experienced in employment-related claims
  • Access to a toll-free advice line – connect with legal specialists who provide free counsel on employment claim matters
  • Optional protection against third-party claims

* $5,000 minimum deductible in California


Find a CIG Insurance Agent

CIG – Capital Insurance Group