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.
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.
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