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What’s the law on my right to fire? How do I deal with a troubled employee? Do I have to pay overtime? Does my firm have to comply with the Family & Medical Leave Act?

As an employer, you’ll need answers to these kinds of questions all the time. But if you don’t have specialist HR advice on staff, it takes time and money to get them.


Ask an attorney – whenever you need one

Buy a policy through InsuranceBee and you’ll get access to a free helpline.

Then, if you have a question, you can just call, or email, an employment law attorney. As often as you like.

You’ll get an answer in one working day. It will be detailed, documented, and strictly confidential.


Updates at your fingertips

Employment regs change all the time. So we make it easier for you to stay up to date.

With our insurance, you also get access to an online resource where you’ll find all the latest on Federal and State employment law, news and regulation changes. Plus a whole load of handy templates you can customize, from job descriptions to model policies.

You can even get HR alerts sent direct to your inbox by subscribing to HR Express Update.

It’s easy and fast to buy with InsuranceBee. Get a quote online today.

Employment practices liability insurance

Save time and money: ask an HR attorney with our insurance.

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EPLI coverage

You do your best to treat your employees fairly. But employment law is complex. And with new regs added all the time, it’s hard to keep on top of them.

Thing is, rules are rules. Break them – even by mistake – and you’ll soon know about it. Discrimination, wrongful termination, sexual harassment, failure to promote…

Workers know their rights. Employment suits are on the up. And defending an EPL claim? Well, that’s going to cost you.

  • What is employment practices liability insurance?

    Employment practices liability insurance (EPLI, for short) protects your business from employment suits brought by potential hires, employees currently on your payroll, and terminated employees.

    It covers you, your directors and your management personnel for wrongful acts arising from the employment process.

    It doesn’t just cover the most common kinds of claims, for wrongful termination, discrimination, sexual harassment, and retaliation. Your policy can cover claims for a host of other examples of workplace misconduct. Like defamation, invasion of privacy, failure to promote and breach of contract.

  • Why do I need employment practices liability insurance

    Say you let one of your workers go because he took too much sick leave. Next thing you know, you’re slapped with a claim for violation of the Americans with Disabilities Act.

    Turns out he’s diabetic. He’d asked for regular breaks to take his insulin shots and your manager told him no. And he got sick.

    There’s no way to sugar-coat it. Settling a claim like that’s going to cost you. Around $125,000 if it goes to court. Plus, an award of around $325,000.

    But it’s not just the money. Or the time you’ll spend dealing with the case. (Because, boy, do they drag on.) Employment suits can seriously damage your reputation.

    If you’ve got EPLI coverage, you’ll get an expert lawyer to defend you, your legal expenses paid, plus compensation, if you’re liable. Even if the claim is groundless.

  • What does EPL insurance cover?

    Claims covered include:

    • Sexual harassment
    • Discrimination
    • Wrongful termination
    • Breach of employment contract
    • Negligent evaluation
    • Failure to employ or promote
    • Wrongful discipline
    • Deprivation of career opportunity
    • Wrongful infliction of emotional distress

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