Employment Practices Liability Insurance for Small Businesses

Employment Practices Liability Insurance (EPLI) addresses the broad spectrum of employment practices allegations that confront small businesses. The policy offers a practical and potent solution designed to protect businesses against the financial ramifications of employment practices claims, while also helping them to prevent such claims from occurring in the first place. EPLI includes a broad definition of employment practices violation and coverage for sexual harassment and discrimination claims by customers, clients and other third-parties.  It includes market-leading loss prevention support and numerous features to optimize litigation management and claim outcomes for insureds.
Features and Benefits Back To Top
  • Optional coverage enhancement gives small businesses the choice to assume the "Duty to Defend" if a claim moves to litigation
  • Offers an expanded three year reporting provision
  • Full coverage for acts occurring prior to the policy's inception
  • High limits of liability up to $50 million
  • Complimentary EPL Pak® Premier training and loss prevention resources help insureds mitigate exposure by keeping pace with regulatory changes and instilling proper workplace practices
 

When a claim occurs, our goal mirrors that of our customer: To resolve it as quickly and fairly as possible. To achieve this goal, Small Business draws on the our vast claims handling resources, including experienced claims specialists and the nation's premier defense attorneys, who have expertise managing even the most complex, sensitive claims and litigation.

To report an Employment Practices Liability InsuranceSM claim, download our claim reporting form and submit it via one of the following methods:

Mail: c-Claim for Financial Lines 
         175 Water Street, 9th Floor
         New York, NY 10038

Fax: 866-227-1750

Claim Scenarios:


Racial Harassment Class Action Suit
A Chicago-based paint manufacturer with fewer than 200 employees settled a racial harassment class action brought by the EEOC on behalf of African American employees for $1.8 million.

Longtime Employee Sues Company
A small New England service company settled an age and race discrimination lawsuit brought by a longtime employee for $235,000, plus incurred $125,000 in defense costs.

Packing Company Faces Sexual Harassment Class Action Suit
A Minneapolis packing company with 235 workers settles a sexual harassment class action brought by the EEOC on behalf of male employees for $1.9 million.

EEOC Racial Harassment Suit
A Texas-based company specialized in coating equipment and application settled a racial harassment suit brought be the EEOC on behalf of one African American employee for more than $1 million.

Former Employees Sue Security Company
A jury in Florida district court returned a $1.34 million verdict against a security company in a a sexual harassment and retaliation lawsuit brought by the EEOC on behalf of 4 former employees.

Applications and Forms Back To Top

Employment Practices Liability Insurance Mainform Application (.pdf)
Primary application form for Employment Practices Liability insurance.

Employment Practices Liability Insurance Renewal Application (.pdf)

Renewal application form for Employment Practices Liability insurance.

Employment Practices Liability Insurance Specimen Policy (.pdf)
A sample of the Employment Practices Liability insurance policy