Employment Practices Liability Insurance (EPLI) protects businesses against claims made by current, former, or prospective employees alleging wrongful employment practices.
What EPLI Covers
EPLI typically covers claims involving:
- Discrimination (age, race, gender, disability)
- Sexual harassment
- Wrongful termination
- Failure to promote
- Workplace retaliation
- Wage and hour violations
Examples of EPLI Claims
- An employee claims age discrimination in a layoff
- Allegations of sexual harassment by a supervisor
- Claims of unequal pay for equal work
- Wrongful termination based on whistleblowing
Remote Work Impact on Risk
The shift to remote work has created new employment risks:
- Monitoring and privacy concerns
- Home office safety requirements
- Digital harassment and discrimination
- Work-life balance disputes
Cost Considerations for 2025
EPLI costs depend on:
- Number of employees
- Industry risk levels
- HR practices and training
- Previous claims history