Employment Practices Liability (EPLI), for employment-related lawsuits.

Frequently Asked Questions

• What types of claims does EPLI cover?
  EPLI covers claims for wrongful termination, discrimination, harassment, retaliation, failure to hire or promote, negligent evaluation, and employment-related defamation. Some policies also include wage and hour defense costs and third-party claims by customers or vendors.
• Is EPLI required by law in Florida?
  No, EPLI is not legally mandated in Florida. However, it is strongly recommended for businesses with employees, especially those with 15 or more employees subject to the Florida Civil Rights Act.
• How does EPLI differ from workers compensation?
  Workers compensation covers physical injuries or illnesses employees sustain on the job. EPLI covers employment-related claims such as discrimination, harassment, and wrongful termination that don't involve bodily injury.
• Does EPLI cover wage and hour claims?
  Coverage for wage and hour claims is often limited or excluded. Many insurers offer only a defense-only sublimit (e.g., $100K). This has become increasingly important to negotiate as wage and hour litigation has grown.
• Can EPLI cover claims made by customers or vendors?
  Yes — many EPLI policies include third-party coverage for harassment or discrimination claims made by non-employees such as customers, vendors, or contractors.
• How do employee count and industry affect EPLI premiums?
  Headcount is the single biggest driver. Larger employee counts and industries with higher turnover or litigation risk — restaurants, healthcare, retail, hospitality — typically result in higher EPLI premiums than office-based firms.
• What role do HR policies play in EPLI?
  Strong HR policies, written handbooks, documented termination procedures, and harassment training reduce the likelihood of claims and unlock both credits and broader carrier appetite.
• Does EPLI cover retaliation claims?
  Yes. Retaliation claims — alleging adverse action after a complaint or whistleblowing event — are among the most frequent claim types covered under EPLI policies.
• How does EPLI interact with other insurance policies?
  EPLI complements general liability, workers compensation, and umbrella liability by covering employment-related risks those policies exclude. Defense erodes the EPLI limit, so limit selection matters.
• How can I get an Instant Quote for EPLI?
  Send us your headcount by state, payroll, industry, and a brief HR snapshot, and an Ellie Insurance Group agent will return an Instant Quote tailored to your business.