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Wintersville · (740) 264-2003Bergholz · (740) 768-2121Carrollton · (330) 627-7717
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Business insurance

Employment Practices Liability Insurance

Protects employers from claims by employees and applicants — discrimination, harassment, wrongful termination, and retaliation.

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Every business with employees faces the risk of an employment claim. Even when you’ve done everything right, defending a claim can be expensive and time-consuming. Employment practices liability insurance (EPLI) pays for your defense and covered settlements or judgments.

What EPLI covers

  • Discrimination based on age, race, gender, religion, disability, and other protected classes
  • Sexual harassment and hostile work environment claims
  • Wrongful termination
  • Retaliation for reporting concerns or taking protected leave
  • Failure to hire or promote
  • Third-party claims from customers or vendors, when added

Who needs it

Any employer can face a claim — businesses with a handful of employees included. EPLI is especially important for restaurants and retailers with high turnover, businesses growing their staff, nonprofits and churches with employees and volunteers, and public entities.

More than a policy

Many EPLI carriers include access to HR hotlines, sample handbooks, and training resources that help prevent claims in the first place. We’ll show you what each carrier offers alongside the coverage.

EPLI is written separately from general liability and can often be added alongside a Business Owners Policy.

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Small business owners standing in their shop

In their words

Clients who count on us.

The last 5 years have been a bit hectic for the Scurti’s. A new car, a new home, and even a new business. McBane has been there every step of the way. The agency’s attention to detail and willingness to take questions at any time via phone or email has brought us so much peace of mind as we’ve completed these important investments. After many years of efficient, cost-effective services, I’m proud to say that the McBane team has become more than advisors; they are trusted friends who will be alongside us in the future.
Evan and Carol Scurti
We’ve always found McBane Insurance to be there when you need them. They have gone out of their way to earn our business and have even contacted us to tell us about less-expensive insurance options with better coverage. We highly recommend Reece Kelly and McBane Insurance.
Mike and Gwen Sullivan
McBane is a company that is built on honesty and integrity. We have found that each employee that we work with has the same intangibles and we are always treated with the utmost respect. There is never a question that we haven’t had answered and we have always been given an explanation. The City of Heath is fortunate to have them as a working partner.
Jay MorrowCity Auditor, City of Heath
The McBane Insurance agency has provided us with knowledgeable, efficient, personable, and prompt service! This is the type of service that has the client first in mind! Our liability, fleet, and cyber insurance that McBane has provided has increased our coverage at a lower cost. I highly recommend McBane for all of your insurance needs.
Melissa BakerTreasurer, United Local School District
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FAQ

Employment Practices Liability questions, answered.

Do small businesses really need EPLI?

Yes. Employment claims can be brought against businesses of any size, and defense costs add up even when a claim has no merit. EPLI pays for your defense and covered settlements.

Doesn't general liability cover employee lawsuits?

No. General liability excludes employment-related claims. Employment practices liability is a separate policy, or it can sometimes be added to a Business Owners Policy.

What does EPLI typically not cover?

Most EPLI policies exclude wage-and-hour disputes, intentional violations of law, and claims covered by workers' compensation. Some carriers offer limited defense coverage for wage-and-hour claims.

Does EPLI cover claims from customers?

Many policies offer third-party coverage for harassment or discrimination claims brought by customers or vendors. It's worth adding for businesses that deal directly with the public.

Every office, every line

Employment Practices Liability near you.

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Get a quote

Let’s find the right coverage together.

One conversation, several insurance companies compared, and a local agent who picks up the phone when you have a claim.

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Wintersville(740) 264-2003Bergholz(740) 768-2121Carrollton(330) 627-7717