Employment Practices Liability Insurance is a coverage particularly overlooked by most employers.
It provides protection for an employer against claims made by employees, former employees, or
potential employees.

Judgments and awards are increasing unfavorably against employers, and most cases settle out of
court with payments being paid by the defendant.

It covers:
  • Discrimination (age, sex, race, disability, etc.)
  • Sexual Harassment
  • Wrongful Termination
  • Hostile Work Environment
  • Failure to Hire or Promote
  • Whistle blower Retaliation
  • Third Party Acts against an Employee
  • Punitive Damages Coverage where allowable by law

Traditional D&O policies may provide some protection, but they are generally not as broad as stand
alone EPLI forms, typically have allocation issues, and usually contain high deductibles.
Employment Practices Liability Insurance (EPLI)
When should I think about purchasing EPLI?

  • Employment Practices Liability Insurance is needed as soon as you start to hire
    employees.  If your Company has any  investors and/or directors they will usually require
    that you carry this coverage as part of your Directors and Officers Liability Insurance.
    Since they can also be held liable in any suits relating to employment practices.
To obtain a quote Click Here
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So why do I need Employment Practices Liability Insurance?

  • Employers are finding that EPLI cases are on the rise, any from pre-employment to an
    exit interview, you don't necessarily had to have even hired the employee, or an
    employee only hired for only a few days.
  • It can happen to anyone.  It could be any from an offensive joke told in a break
    room/office cubicle or even in the bathroom.  A Hot Tempered Boss, emotional
    outbursts, screaming & even threatening behaviour.  Wrong Response by an employee,
    due to a practical joke, inappropriate behaviour or suggestions.  Even if a claim is
    fraudulent or has no grounds, the defense of a suit can be expensive financially, in time
    wasted and resources used to defend a case.
Interested in purchasing an EPLI Policy, but not sure of the costs, then Click Here and complete
our short form Premium Indications.
Just complete and fax the form back to our office (949) 270-3704, and a agent will then send it
out for one or several Policy Premium Indications.

Coverages vary from company to company, talk to your Broker for more specific details.
Click Here for a Q&A Response to Frequent Employer Objections
Agency License #'s  CA - 0E81098,  AZ - 905931,  CO - 299185,  ID - AG157504,  OR - 818820        Copyright © 2008 by Byrne - Kim & Assoc Ins Svcs, Inc.
Note: As stated in our Terms of Service  agreement, descriptions of insurance coverage on this web site are for informational purposes only and may not apply,
or be included on your policy. Please contact us to confirm coverage provided on your insurance policy or policies your are contemplating purchasing