Who needs Employment Practices (EPLI)?
What's covered
Allegations of discrimination based on race, gender, age, religion, disability, or other protected characteristics.
Claims of sexual harassment by supervisors, coworkers, or even third parties like customers.
Claims that an employee was fired illegally or in violation of employment agreements.
Allegations that an employee was punished for reporting misconduct or filing a complaint.
Claims that promotion decisions were made based on discriminatory factors.
Some policies cover claims related to overtime, misclassification, and other wage issues.
What's not covered
Examples by industry
A former stylist sues your salon for wrongful termination; EPLI covers the legal defense and any settlement.
A server alleges harassment by a manager; EPLI covers your restaurant's defense and resolution costs.
A cleaner files a discrimination claim over scheduling; EPLI handles the defense and settlement.
An employee alleges they were passed over for promotion due to bias; EPLI covers the claim.
A store associate sues over wrongful termination; EPLI pays for the legal defense.
A driver files a harassment complaint against a dispatcher; EPLI covers the resulting claim.
A developer alleges discrimination in a layoff; EPLI handles your defense and any settlement.
A crew member sues over a hostile-work-environment claim; EPLI covers the legal costs.
A designer alleges retaliation after a complaint; EPLI responds to the employment claim.
An agent sues the brokerage for wrongful termination; EPLI covers the defense and settlement.
Part of the Knack guide
Learn Employment Practices (EPLI) alongside every other coverage in our full guide.
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