Employment Practices Liability Insurance

About Employment Practices Liability Insurance

These are some factors (not all) that Heritage Insurance Agents will assess in determining which of our companies fits your risk management needs. We will then shop the price to ensure the best fit within those companies.

Define Employment Practices Liability (EPL):

This type of policy protects businesses against lawsuits or claims brought against them by employees.


Coverage is provided, on a claims made basis, for losses including:

  • Harassment
  • Retaliation
  • Negligence
  • Libel and Slander
  • Discrimination
  • Misrepresentation
  • Mental Anguish
  • Failure to Promote
  • Wrongful Termination
  • Emotional Distress
  • Defamation

There are several different coverage options as well as deductible options that are available to choose from.

Who needs EPL coverage?

Not only larger businesses need EPL coverage, but also small businesses. More than 50% of discrimination claims in 2010 were brought against small businesses (Auto Owners Insurance Co.)

Who cannot get EPL coverage?

Coverage cannot be written for businesses such as:

  • Attorneys/law offices
  • Employment Agencies
  • Schools
  • Private Golf or Country Clubs
  • Municipalities
  • Libraries
  • Correctional Institutions