Smple Insurance

Managing employees comes with risk—even when you do everything right. Employment Practices Liability Insurance (EPLI) helps protect businesses from claims arising out of employment-related issues such as wrongful termination, discrimination, harassment, and retaliation.

At Smple Insurance, we help business owners understand these risks and secure EPLI coverage that protects their company, leadership team, and culture.

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What Is Employment Practices Liability Insurance?

Employment Practices Liability Insurance provides coverage when employees (or former employees) allege improper or unlawful employment practices. These claims can be costly, time-consuming, and damaging to your reputation—regardless of business size. These are some of the most common and expensive claims businesses face today.

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What is Covered?

• Discrimination: Claims of unfair treatment based on race, age, gender, disability, or religion.

• Harassment: Protection against sexual harassment or hostile work environment allegations.

• Wrongful Acts: Covers wrongful termination, demotion, or failure to promote.

• Retaliation: Claims where an employee says they were "punished" for whistleblowing or complaining.

• Legal Defense: Pays for attorney fees and court costs, which average $120,000 per claim even if you win.

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Common Exclusions

• Physical Injuries: Covered by Workers' Comp.

• Wage/Hour Disputes: Claims about unpaid overtime or minimum wage usually require a special "endorsement."

• Intentional Crimes: No coverage for criminal acts or fraud committed by the business owner.

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Protect your business, leadership team, and workplace culture with Employment Practices Liability Insurance tailored to your needs.

Contact Smple Insurance today to request an EPLI quote and ensure your business is prepared for today’s employment risks.

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Disclaimer: Coverage details, limits, and exclusions may vary by policy. The information provided is a general overview and does not represent all the terms, conditions, or exclusions of any specific policy. For complete coverage details, including limitations and exclusions, please refer to the actual policy or consult with one of our agents at Smple Insurance.