Employment practices liability insurance for claims from your own workforce
Discrimination, harassment, wrongful termination and retaliation claims can cost well into six figures to defend and settle, even when the employer did little wrong. EPLI pays for defense and settlements, and many policies add HR guidance to help prevent claims.
Protecting Pacific Northwest employers since 1992
The real cost of employment claims
Three illustrative examples of employment claims. Together they total $1,550,000 in exposure.
A long-tenured manager alleges age discrimination
A sales manager with 15 years at the company is terminated after missing quota. He claims age discrimination, alleging younger employees received preferential treatment and training.
- Legal defense$145,000
- Settlement payment$280,000
- Lost productivity$35,000
- Expert witnesses$25,000
Illustrative example. Real outcomes depend on the facts and your policy terms.
Protection for every employment risk
Discrimination
Claims based on age, race, gender, religion, disability, national origin, pregnancy and other protected classes under federal and state law.
Sexual harassment
Hostile work environment, quid pro quo harassment, and failure to prevent or address complaints.
Wrongful termination
Claims of improper firing, breach of employment contract or termination that violates public policy.
Retaliation
Adverse action alleged after complaints, participation in investigations or whistleblowing.
Failure to promote
Unfair promotion practices, glass-ceiling claims and discriminatory advancement decisions.
Wage and hour defense
Unpaid overtime, misclassification, meal-break violations and Fair Labor Standards Act disputes.
Third-party coverage
Claims by customers, vendors or other non-employees alleging harassment or discrimination by your staff.
EEOC defense
Responding to Equal Employment Opportunity Commission charges, investigations and administrative proceedings.
Negligent hiring and supervision
Suits alleging you hired or retained an employee who harmed others in the workplace.
Defamation and invasion of privacy
Claims from negative references, performance reviews, workplace monitoring or disclosure of employee information.
Emotional distress
Allegations of intentional or negligent infliction of emotional distress in employment situations.
Employment-related misrepresentation
Claims of false promises about duties, compensation, advancement or working conditions.
EPLI with support before and after a claim
Washington and Oregon employment law
Experience with the region's employee-friendly legal landscape and carriers that understand it.
Carrier access
As a broker, we compare A-rated EPLI carriers including Hartford, Travelers, CNA and Hiscox, plus specialty markets for hard-to-place risks or difficult claims histories, with payment flexibility.
HR hotline access
Many of our EPLI policies include HR consultation hotlines for guidance on terminations, discipline and policy questions.
Pre-claim and claims support
Guidance on complaints, investigations and documentation before situations escalate, and fast access to employment defense counsel in your jurisdiction when a claim is filed.
Risk management resources
Employee handbook templates, training materials, investigation protocols and best practices to help prevent claims.
Broader management liability
From standalone EPLI to management liability packages with D&O, fiduciary and crime coverage, for 5-employee startups to 500-employee companies in healthcare, construction, manufacturing, hospitality and professional services.
Protect your business from employment claims
Get an EPLI quote built around your industry, workforce and HR practices.
Coverage descriptions are general summaries for education. They are not legal, tax or coverage advice, a statement of coverage, an offer or a binder. Scenarios, statistics and dollar figures are illustrative, not representations about any business. Coverage, limits and eligibility are governed by the terms, conditions and exclusions of the policies issued and are subject to underwriting.