In today’s workplace, even the best-intentioned employers face growing risks when it comes to managing people. Employment-related claims are on the rise — and small to mid-sized businesses are just as vulnerable as large corporations. That’s where Employment Practices Liability Insurance (EPLI) comes in.
At Haughn Insurance, we understand that protecting your business means more than just insuring your property or vehicles — it means protecting your people and your reputation, too. EPLI is an essential layer of coverage that does exactly that.
What Is EPLI?
Employment Practices Liability Insurance (EPLI) is designed to protect businesses against claims made by employees (or potential employees) alleging wrongdoing in the workplace. These claims can stem from hiring, firing, promotion decisions, or day-to-day interactions that may be perceived as unfair or discriminatory.
Even with the best HR practices in place, misunderstandings and disputes can still happen — and legal defense costs alone can be significant. EPLI provides the financial protection your business needs to handle these claims responsibly and effectively.
What Does EPLI Cover?
EPLI coverage typically includes claims related to:
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Wrongful termination – Allegations that an employee was fired for reasons that violate the law or company policy.
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Discrimination – Claims based on race, gender, age, disability, religion, or other protected characteristics.
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Sexual harassment – Accusations of inappropriate conduct, unwanted advances, or hostile work environments.
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Retaliation – Claims that an employee was punished for reporting misconduct or participating in an investigation.
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Defamation or invasion of privacy – Situations where an employee alleges harm from false statements or privacy breaches.
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Failure to promote or hire – Claims that hiring or advancement decisions were made unfairly.
In addition to covering settlements and judgments, EPLI also helps pay for legal defense costs, which can quickly add up — even if your business is found not liable.
Why Is EPLI Important?
Employment laws continue to evolve, and so does the risk landscape. The reality is that no business is immune to potential employee disputes.
Here’s why EPLI matters:
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Claims are more common than ever.
The number of workplace-related lawsuits continues to grow each year. Even small businesses with tight-knit teams aren’t exempt. -
Defense costs can be significant.
Whether or not a claim has merit, defending your business in court can cost tens of thousands of dollars — sometimes more. EPLI ensures you have the resources to respond without jeopardizing your bottom line. -
It protects your reputation.
Handling employment claims professionally and efficiently helps protect your company’s credibility, culture, and employee trust. -
It promotes better risk management.
Many EPLI carriers offer access to HR support, employee handbook reviews, and training tools to help reduce future claims.
Protect Your Business, People, and Peace of Mind
Your employees are the heart of your organization — and protecting your relationship with them is vital to your long-term success. EPLI provides peace of mind, ensuring that one claim doesn’t undo years of hard work.
At Haughn Insurance in Dublin, Ohio, our experienced team helps businesses of all sizes identify and manage employment-related risks. We work with you to ensure your coverage reflects your company’s needs and culture — because protecting your business starts with understanding it.
Ready to learn more about EPLI coverage for your business?
Connect with our team today at www.haughn.com or call us to start the conversation.
