Glossary

What is EPLI?

Insurance that covers employers against claims by employees alleging wrongful employment practices such as discrimination, harassment, or wrongful termination.

Full Definition

Employment Practices Liability Insurance (EPLI) protects employers against claims by current, former, or prospective employees alleging wrongful employment practices. Covered claims include discrimination (based on race, gender, age, disability, religion), sexual harassment, wrongful termination, retaliation, failure to promote, breach of employment contract, and — increasingly — wage and hour violations. Third-party EPLI extends coverage to claims by non-employees (customers, vendors) who experience harassment or discrimination by company employees.

Related Terms

Occurrence vs. Claims-Made

Aggregate Limit

Exclusion

Tail Coverage

Explore More

Related Coverage & Services

Employment Practices Liability (EPLI)

EPLI covers claims by employees alleging discrimination, harassment, wrongful termination, and other employment-related issues.

Occurrence vs. Claims-Made

Two fundamentally different policy trigger mechanisms that determine when an insurance policy responds to a claim.

Aggregate Limit

The maximum total amount an insurance policy will pay for all covered claims during the policy period.

Exclusion

A provision in an insurance policy that eliminates coverage for certain risks, hazards, perils, or types of loss.

Tail Coverage

An extended reporting period purchased at the end of a claims-made policy that allows claims to be reported after the policy has expired.

Business Insurance

Start Here

Have Questions About EPLI (Employment Practices Liability Insurance)?

Our advisory team can explain how this concept applies to your specific situation and help you make informed insurance decisions.

Call (800) 755-3469

Discovery

We sit down with you and ask the questions most brokers never do — your assets, your family, your business, your goals.

Strategy

We map your full risk picture and design a coordinated program that strengthens coverage and reduces your total cost of risk.

Execution

We place your program with elite carriers and handle every detail — applications, underwriting, and transitions.

Ongoing Optimization

Your advisor reviews your program as your life evolves — new assets, new ventures, new exposures — so coverage never falls behind.