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employment practices liability insurance (EPLI) video

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Employment practices liability insurance (EPLI) helps protect your business from employment-related claims, like wrongful termination, discrimination, and harassment. Watch this video to learn more about what employment practices liability insurance is and why it is important.
Coverages vary by state.

What Is Employment Practices Liability Insurance?

Employment practices liabilityEmployment practices liability insurance (EPLI) helps protect your business from employment-related claims, like:
  • Despido injusto
  • Discriminación
  • Acoso
The legal costs of employment-related claims can be staggering – and they’re on the rise. Employers may face many employment-related issues and lawsuits. Sometimes, the business owner doesn’t even have to be in the wrong to get sued.
Getting the right insurance to help cover defense costs and damages related to employment-related claims is critically important to protect your business. The Hartford provides comprehensive and customizable EPLI. We’ve made it easy for business owners to get the coverage they need to help protect their companies.

Why Do I Need Employment Practices Liability Insurance?

Employment practices liability insurance helps protect businesses from lawsuits due to issues with someone’s job, like discrimination, wrongful termination and more. This coverage is included in our Póliza para propietarios de empresas (BOP).
Unlike business insurance policies that other insurance companies may offer, our employment practices liability coverage can help protect your business from accusations of harassment or discrimination by:
  • Clientes
  • Vendors
  • Business invitees
You may find that BOPs offered by other insurers may only protect you if a claim is filed by your employees. To help give you the protection you need, third-party EPLI is included for most businesses.1,2
In addition to our BOP, EPLI is also included in our Private Choice PremierSM package policy or as a stand-alone coverage with The Hartford Employers Premier Choice.PE

If You Have Employees, You Need Employment Practices Liability Insurance

EPL insuranceWe’re dedicated to helping protect employers. That’s why we designed our EPLI coverage to help businesses deal with a variety of EPLI claims. This includes vendor or employee claims of:
  • Discriminación
  • Age discrimination
  • Represalia
  • Violación de la Ley de licencia médica y de familia
  • Disciplina injusta
  • Ascensos no otorgados injustamente
  • Despido injusto
  • Acoso
  • Sexual harassment
Common employee complaints are centered around wage and hour violations. This includes:
  • Wage calculation
  • Overtime calculation
  • Job classifications
Employees file wage and hour lawsuits accusing employers of misclassifying employment status or miscommunicating their eligibility for overtime. Our BOP automatically includes a “Wage and Hour Defense Cost” coverage as part of the built-in EPLI coverage. This is a benefit for businesses that are likely to find themselves exposed to these kinds of disputes and lawsuits.3

Prevention Is Your Best Protection

Employment practices liability insuranceWe do more than just provide insurance coverage. We’re an experienced insurance company and know the risks and challenges that businesses face. We can help employers with risk management and provide some of the best learning tools to help prevent lawsuits from happening in the first place.
For example, we created, a proprietary website to give employers access to helpful resources, like:4
  • Web-based training on sensitive topics, including sexual harassment and wrongful termination
  • Artículos actuales sobre tendencias de prácticas de empleo
  • Prácticas de empleo modelo y manual para el empleado
Lawsuits related to equal employment opportunity laws can be both emotionally and economically draining. We’re here to help. Whether you have questions about our EPLI coverage or need help handling a lawsuit, we’ve got your back.
1 Included for most classes on both built ins and increased limit policyholders.
2 Employment Practices Liability coverage is not available in all states or to all classes of business. The $25,000 limit applies to Spectrum business written in Hartford Underwriters Insurance Company. The EPL program described herein does not apply to EPL coverage written in California. There is no built-in EPL coverage in California, Minnesota, North Dakota or New York.
3 Included with all built in policyholders. Included with most increased limit policyholders.
4 This program requires purchase of increased EPL limits. May not be available in all states.
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We offer insurance coverages for companies of all sizes – large and small.
The Hartford no será responsable de ningún daño relacionado con el uso de la información proporcionada en esta página. Consulte con su agente/corredor de seguros o compañía de seguros para determinar las necesidades específicas de cobertura, ya que el contenido publicado aquí se ofrece con fines informativos solamente.
La información contenida en esta página no debe interpretarse como asesoramiento legal, de Recursos Humanos, financiero o de seguros específico, y no es una garantía de cobertura. En el caso de una pérdida o reclamación, las determinaciones de cobertura estarán sujetas al lenguaje de la póliza, y cualquier pago de reclamación posible se determinará luego de que se investigue la reclamación.
Ciertas coberturas varían según el estado y es posible que no estén disponibles para todas las empresas. All Hartford coverages and services described on this page may be offered by one or more of the property and casualty insurance company subsidiaries of The Hartford Financial Services Group, Inc. listed in the Aviso legal.
The Hartford Financial Services Group, Inc., (NYSE: HIG) operates through its subsidiaries under the brand name, The Hartford, and is headquartered in Hartford, CT. For additional details, please read The Hartford’s Legal Notice.
* Los comentarios de los clientes son recolectados y tabulados por The Hartford y no representan a todos los clientes.