Employment Practices Liability Insurance (EPLI) in New Hampshire, Maine, and Massachusetts

The reality is that any business faces employment-related claims as much as they do a property or general liability claim. If you work with people, your business is a candidate for employment practices liability insurance (EPLI) coverage. Offered on a stand-alone basis or combined with an existing policy, EPLI helps safeguard businesses against employee lawsuits alleging inappropriate or unfair acts. Even when done unknowingly, violating an employee’s (or contractor’s) rights can have devastating consequences. EPLI typically covers the legal defense fees and settlement costs or damages – up to the policy’s coverage limit – whether the employer settles, wins, or loses the case. If you have employees, vendors or customers, you should consider EPLI coverage. General liability insurance, unlike EPLI, will not typically protect your business from employment-related claims filed by your employees or vendors. Every employer, large or small, can be the target of legal action from past, present and prospective employees. Our licensed commercial insurance specialists can review these coverages with you so you can be confident that your coverages fit your business’s needs.