Employment Practices Liability Insurance (EPLI)

Employment practices liability insurance (EPLI) covers claims brought by employees, former employees, and applicants against your client's business. Place it for any client with a payroll.

What EPLI actually covers

• →Wrongful termination and constructive discharge claims
• →Discrimination based on age, race, sex, disability, religion, and other protected classes
• →Sexual and workplace harassment allegations
• →Retaliation, failure to promote, and hostile work environment claims
• •Defense costs are typically covered, which matter even when a claim has no merit

Who you should place it for

• ✓Any employer with W-2 staff, from small offices to large operations
• ✓Retail, hospitality, and other high-turnover businesses
• ✓Companies growing headcount or handling frequent hiring and firing
• ✓Clients who want it added to a management liability package alongside D&O

How to place it through Baker

• →Send us the applicant's employee count, payroll, and prior claim history
• →We quote standalone EPLI and packaged management liability across most industries
• →Tell us if third-party EPLI is needed for claims by customers or vendors

** Terms used here are a summary only. Always refer to the policy form for actual terms, conditions, and exclusions.