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Employment Practices Liability (EPL) Insurance for Small Business

Employment Practices Liability (EPL) insurance helps protect employers from claims made by employees alleging wrongful termination, discrimination or harassment, including sexual harassment. EPL insurance coverage pays for liability damages and defense costs due to covered claims brought by full-time, part-time, temporary, and seasonal employees.

Central's EPL coverage can be added to your small business policy and is an affordable way to help protect your small business from losses that on average run from $22,400 to $40,500. The cost of an employment charge or lawsuit can damage your small business' financial health or even threaten it altogether. That's why EPL coverage is essential to every small business.

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In addition to the policy itself, Central offers the benefit of experienced EPL claim specialists. Plus, if you need legal representation, you'll have access to specialized employment attorneys and an EPL Legal Advice Helpline. We also offer a loss prevention website with model employment policies and procedures, information about laws, and advice to help you prevent or minimize employee complaints.

There are numerous federal and state laws under which employees may bring actions against you for allegations such as sexual harassment, discrimination, and wrongful termination. Employees are aware of these laws and show a greater inclination to pursue legal rights and remedies. This, coupled with a sense of entitlement, has bred an atmosphere where employers are often forced to spend significant dollars for a legal defense to prove an employee’s groundless allegations are false.

Protect your small or mid-sized business against employment-related charges and lawsuits with EPL insurance coverage from Central. Contact a Central agent near you to find out more about EPL coverage or for an insurance quote.

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