Employment Practices Liability Insurance

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What Is Employment Practices Liability Insurance?

Employment practices liability Employment practices liability insurance (EPLI) helps protect your business from employment-related claims, like:
  • Wrongful termination
  • Discrimination
  • Harassment
The legal costs of employment-related claims can be staggering – and they’re on the rise. Employers may face many employment-related issues and lawsuits. Sometimes, the business owner doesn’t even have to be in the wrong to get sued.
Getting the right insurance to help cover defense costs and damages related to employment-related claims is critically important to protect your business. The Hartford provides comprehensive and customizable EPLI. We’ve made it easy for business owners to get the coverage they need to help protect their companies.

Why Do I Need Employment Practices Liability Insurance?

Employment practices liability insurance helps protect businesses from lawsuits due to issues with someone’s job, like discrimination, wrongful termination and more. This coverage is included in our Business Owner’s Policy (BOP).
Unlike business insurance policies that other insurance companies may offer, our employment practices liability coverage can help protect your business from accusations of harassment or discrimination by:
  • Customers
  • Vendors
  • Business invitees
You may find that BOPs offered by other insurers may only protect you if a claim is filed by your employees. To help give you the protection you need, third-party EPLI is included for most businesses.1,2
In addition to our BOP, EPLI is also included in our Private Choice PremierSM package policy or as a stand-alone coverage with The Hartford Employers Premier Choice.SM

If You Have Employees, You Need Employment Practices Liability Insurance

EPL insurance We’re dedicated to helping protect employers. That’s why we designed our EPLI coverage to help businesses deal with a variety of EPLI claims. This includes vendor or employee claims of:
  • Discrimination
  • Age discrimination
  • Retaliation
  • Violation of the Family and Medical Leave Act
  • Wrongful discipline
  • Wrongful failure to promote
  • Wrongful termination
  • Harassment
  • Sexual harassment
Common employee complaints are centered around wage and hour violations. This includes:
  • Wage calculation
  • Overtime calculation
  • Job classifications
Employees file wage and hour lawsuits accusing employers of misclassifying employment status or miscommunicating their eligibility for overtime. Our BOP automatically includes a “Wage and Hour Defense Cost” coverage as part of the built-in EPLI coverage. This is a benefit for businesses that are likely to find themselves exposed to these kinds of disputes and lawsuits.3

Prevention Is Your Best Protection

Employment practices liability insurance We do more than just provide insurance coverage. We’re an experienced insurance company and know the risks and challenges that businesses face. We can help employers with risk management and provide some of the best learning tools to help prevent lawsuits from happening in the first place.
For example, we created hartfordhelp.com, a proprietary website to give employers access to helpful resources, like:4
  • Web-based training on sensitive topics, including sexual harassment and wrongful termination
  • Current articles on employment practices trends
  • Model employment practices and employee handbooks
Lawsuits related to equal employment opportunity laws can be both emotionally and economically draining. We’re here to help. Whether you have questions about our EPLI coverage or need help handling a lawsuit, we’ve got your back.
1 Included for most classes on both built ins and increased limit policyholders.
2 Employment Practices Liability coverage is not available in all states or to all classes of business. The $25,000 limit applies to Spectrum business written in Hartford Underwriters Insurance Company. The EPL program described herein does not apply to EPL coverage written in California. There is no built-in EPL coverage in California, Minnesota, North Dakota or New York.
3 Included with all built in policyholders. Included with most increased limit policyholders.
4 This program requires purchase of increased EPL limits. May not be available in all states.
EPL insurance

EPL Insurance

Unsure about employment practice exposures and the potential risks to your business? The Hartford can help.
Coverages vary by state.
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We offer insurance coverages for companies large and small.
The Hartford shall not be liable for any damages in connection with the use of any information provided on this page. Please consult with your insurance agent/broker or insurance company to determine specific coverage needs as this information is intended to be educational in nature.
The information contained on this page should not be construed as specific legal, HR, financial, or insurance advice and is not a guarantee of coverage. In the event of a loss or claim, coverage determinations will be subject to the policy language, and any potential claim payment will be determined following a claim investigation.
Certain coverages vary by state and may not be available to all businesses. All Hartford coverages and services described on this page may be offered by one or more of the property and casualty insurance company subsidiaries of The Hartford Financial Services Group, Inc. In TX, this insurance is written by Sentinel Insurance Company, Ltd., Hartford Casualty Insurance Company, Hartford Lloyd’s Insurance Company, Property and Casualty Insurance Company of Hartford, Hartford Underwriters Insurance Company, Twin City Fire Insurance Company, Hartford Accident and Indemnity Company and Hartford Fire Insurance Company. In Arizona, New Hampshire, Washington and California, the insurance is underwritten by Hartford Accident and Indemnity Company, Hartford Casualty Insurance Company, Hartford Fire Insurance Company, Hartford Insurance Company of Illinois, Hartford Insurance Company of the Midwest, Hartford Lloyd’s Insurance Company, Hartford Underwriters Insurance Company, Maxum Casualty Insurance Company, Maxum Indemnity Company, Navigators Insurance Company, Navigators Specialty Insurance Company, Pacific Insurance Company, Property and Casualty Insurance Company of Hartford, Sentinel Insurance Company, Ltd., Trumbull Insurance Company and Twin City Fire Insurance Company. The Hartford® is The Hartford Financial Services Group, Inc. and its subsidiaries, including Hartford Fire Insurance Company.
The Hartford® is The Hartford Financial Services Group, Inc. and its property and casualty subsidiaries, including Hartford Fire Insurance Company. Its headquarters is in Hartford, CT.
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