Employment Practices Liability (EPLI)

The workplace is changing—and so are the risks. Claims of employment discrimination, sexual harassment and wrongful termination are common, but it can be difficult for small and midsize businesses to find affordable insurance protection. That’s why EMC is expanding the Employment Practices Liability coverage available under our EMC Choice Businessowners program and introducing Employment Practices Liability to commercial general liability and commercial garage liability.

This specialty coverage helps eliminate coverage gaps and provides broad Employment Practices Liability protection for Main Street businesses.

Our Employment Practices Liability coverage can help your business defend themselves against employment claims that can be expensive and distracting. The coverage is designed for businesses with up to 50 employees; however, a referral option is available for risks with up to 250 employees. Key benefits include:

Meaningful coverage that responds to a real exposure.

Broad coverage with substantial limits at a fraction of the cost of other Employment Practices Liability products.

Under our Portfolio Employment Practices Liability option, there is no separate underwriting process or application required.

Optional limits (up to $250,000 under Portfolio Employment Practices Liability and $1,000,000 under Transactional Employment Practices Liability) are available with various deductibles.

A third party coverage option is available (for an additional charge) that covers the alleged discrimination or sexual harassment claims brought by (nonemployee) customers, vendors, tenants or clients.

Specialized claim services, including experienced Employment Practices Liability law firms to defend employers in the event of a claim.

Our Employment Practices Liability coverage available by endorsement to commercial general liability, commercial garage liability and businessowners lines of business is a simple, integrated solution for small and midsize businesses. The coverage is backed by loss prevention service and an experienced group of claim specialists—all very important as Employment Practices Liability cases can be difficult, emotional and timely.