Employment practices liability insurance

Must-have protection for businesses with employees.

What is employment practices liability insurance?

Employment practices liability insurance, commonly referred to as EPLI, offers you liability coverage in the event your business is sued for employment-related issues including wrongful termination, discrimination, retaliation, sexual harassment and other covered claims.

What it pays for:

  • Compensatory damages
  • Legal defense costs

Additional benefits

Professional HR support is a resource that many small businesses simply can’t afford. We offer free online access to HR support and consultation services to help small business owners prevent costly employment-related claims. For example, let’s say you’re considering firing an employee for performance reasons. Before you make a decision that could devastate your business, you can consult with an experienced HR professional via phone or email. This service also provides:

  • Unlimited HR support via phone or email
  • 500+ HR management forms and state-specific handbooks
  • Guidance for hiring, discipline/termination, performance reviews and more
  • Online training for anti-harassment/discrimination and more

How much is EPLI insurance?

The cost of EPLI insurance is largely determined by the number of people you employ. Your local agent can help you get the right coverage for your business at a surprisingly great rate.

Why your business needs EPLI insurance

Tens of thousands of workers file complaints against their employers for employment-related acts like sexual harassment, discrimination, and wrongful termination each year. The damages can quickly grow to hundreds of thousands of dollars — and these would not be covered by most general liability policies. Defending your business against these types of claims can be time-consuming and very costly. Employment practices liability insurance can help protect your business from damaging loses due to covered employment-related claims.


We’re in the business of helping your small business

Since 1935, State Farm has been helping small business owners manage risk, plan for the future and protect what they’ve built.
agent-know-how

Agent know-how

State Farm agents are small business owners too. They understand what it takes to run a business and are ready to help you set up for success.

customizable-insurance

Customizable insurance

State Farm offers a wide variety of coverage options that you can tailor to help fit your unique business needs. You can choose the right coverage at the right price for you.

exceptional-service

Personalized service

Your local State Farm agent is ready to help your business grow and thrive with good neighbor service you can count on no matter what.


Talk to a local State Farm agent


This is only a general description of coverages of the available types of business insurance and is not a statement of contract. Details of coverage, limits, or services may not be available for all business and vary in some states. All coverages are subject to the terms, provisions, exclusions, and conditions in the policy itself and in any endorsements. Contact a State Farm agent for more information and a customized quote.

State Farm (including State Farm Mutual Automobile Insurance Company and its subsidiaries and affiliates) is not responsible for, and does not endorse or approve, either implicitly or explicitly, the content of any third party sites hyperlinked from this page. State Farm has no discretion to alter, update, or control the content on the hyperlinked, third party site. Access to third party sites is at the user's own risk, is being provided for informational purposes only and is not a solicitation to buy or sell any of the products which may be referenced on such third party sites.

Life Insurance and annuities are issued by State Farm Life Insurance Company. (Not Licensed in MA, NY, and WI) State Farm Life and Accident Assurance Company (Licensed in New York and Wisconsin) Home Office, Bloomington, Illinois.

  • State Farm Mutual Automobile Insurance Company
  • State Farm Indemnity Company
  • Bloomington, IL
  • State Farm County Mutual Insurance Company of Texas
  • Richardson, TX
  • State Farm Fire and Casualty Company
  • State Farm General Insurance Company
  • Bloomington, IL
  • State Farm Fire and Casualty Company
  • Tallahassee, FL
  • State Farm Lloyds
  • Richardson, TX
  • State Farm Life Insurance Company (Not licensed in MA, NY or WI)
  • State Farm Life and Accident Assurance Company (Licensed in NY and WI)
  • Bloomington, IL