Employment Practices Liability (EPLI)
EPLI covers wrongful termination, discrimination, harassment, and retaliation claims brought by employees and applicants.
Employment Practices Liability for Growing Businesses
Workplace claims are among the fastest-growing liability exposures for employers. Employment practices liability insurance (EPLI) funds defense and settlements when employees or applicants allege unfair treatment.
Remco Insurance Services helps businesses nationwide secure EPLI with limits that reflect headcount, industry, and HR practices.
What Is EPLI?
EPLI covers allegations such as wrongful termination, discrimination, sexual harassment, retaliation, failure to promote, and hostile work environment. Policies pay legal defense, settlements, and judgments within limits, often including limited wage-and-hour defense costs.
General liability policies typically exclude most employment-related claims, so EPLI fills a critical gap for any organization with employees or contractors treated like employees.
EPLI Coverage Highlights
Respond to employment claims with dedicated limits.
Wrongful Termination
Allegations that a discharge violated law or policy.
Discrimination
Claims based on protected classes under federal and state laws.
Harassment
Hostile work environment and quid pro quo allegations.
Retaliation
Claims that adverse action followed protected activity.
Wage & Hour Defense
Some policies include defense for misclassification or overtime suits.
Third-Party Coverage
Optional protection when customers or vendors allege harassment by your staff.
Why EPLI Matters for Every Employer
Even good-faith HR decisions can trigger expensive litigation. Small businesses without dedicated HR teams are not immune; in fact, they may face higher per-employee risk.
We pair coverage with risk resources where available and review handbook practices carriers expect.
Frequently Asked Questions
It is not universally mandated, but some contracts require it. Regardless, the cost of defending one claim often exceeds years of premium.
Some claims involving contractors may be covered depending on facts and policy wording. Classification disputes themselves may have limited coverage.
Where insurable by law, policies may cover punitive damages. State regulations vary; we explain your jurisdiction.
Sometimes as an endorsement, but standalone EPLI often provides broader employment coverage. We compare both approaches.
Documented harassment policies, training, consistent discipline, and low prior claim frequency help underwriters offer better terms.
No. Physical injury claims belong under workers compensation or general liability, not EPLI.
Get EPLI Coverage
Protect your business from employment-related claims with limits suited to your workforce.
Explore more
