Employment practices liability insurance (EPLI) protects employers from claims by current, former, and prospective employees alleging violations of their emplo…
Employment practices liability insurance (EPLI) protects employers from claims by current, former, and prospective employees alleging violations of their employment rights. The most common claims are wrongful termination, workplace discrimination (race, gender, age, disability), sexual harassment, a…
Standard EPLI policies exclude wage and hour claims (unpaid overtime, meal break violations, misclassification). Some carriers offer a wage and hour defense costs endorsement covering legal defense but not back-pay damages. California employers face …
Some BOPs offer an EPLI endorsement, but limits are typically low ($50,000–$100,000) and may exclude important coverage categories. A standalone EPLI policy provides broader coverage, higher limits, and dedicated underwriting. For any business with e…