What is EPLI Insurance?


The Basics

What is EPLI Insurance? EPLI is short for Employment Practices Liability Insurance. It provides coverage for defense costs and damages due to employment related claims.

These types of claims include, but are not limited to:

  • Wrongful Termination
  • Breach of an Employment Contract
  • Discrimination
  • Sexual Harassment
  • Wrongful Discipline
  • Mismanagement of Employee Benefit Plans

Why Your Business Needs EPLI

If your business has employees, than you need EPLI. Statistics show your business is three times more likely to be sued by an employee than your business experiencing a fire.

Some of the most common EPLI claims in 2020 were as follows:

  • Retaliation Claims
  • Sexual Harassment
  • Gender Pay Gap


EPLI coverage should be a part of every business insurance program. Even if your business did nothing wrong, the cost to defend your business against these claims far exceeds the cost of EPLI.

ELPI can be added to most Business Owners Policies through endorsement. Sub limits do apply in these instances. For broader coverage, it can be added as an endorsement to the company’s Directors and Officers policy. Standalone policies are also an option.

Farris Insurance Advisors can help you with your ELPI needs. Contact us today at 336-890-8800.


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Are you ready to save time, aggravation, and money? The team at Farris Insurance Advisors is here and ready to make the process as painless as possible. We look forward to meeting you!

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