Employment Practices Liability

“The foundation of business is reputation.”

What is Employment Practices Liability?

Employment Practices Liability Insurance (EPLI) provides protection against many kinds of employee-related lawsuits, including:

  • 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
  • Mismanagement of employee benefit plans
  • Violation of Family and Medical Leave Act

The policies will reimburse your company against the costs of defending a lawsuit in court and for judgements and settlements. The policy covers legal costs, whether your company wins or loses the suit.

What is the importance?

Employment-related risks can be among the most potentially damaging exposures any business can face, large or small. Employment-related practices liability lawsuits can ruin your reputation, cause you to lose customers, tarnish your valued brand, and bury your bottom line. Over 50% of employers have had to face some form of employment-related lawsuit in their career.


The right insurance to cover defense costs and damages related to various employment-related claims can be critically important to help protect business assets. Applied Resource Insurance Solutions provides comprehensive and customizable Employment Practices Liability Insurance (EPLI) designed to help protect business owners and their businesses. ARIS is dedicated to helping protect employers, which is why we designed our EPLI coverage to help businesses not only endure, but prevail in the event they face an unemployment-related claim. We do more than just provide coverage.

We here at Applied Resource Insurance Solutions believe that if you have employees, you need Employment Practices Liability Insurance.

Know The Facts.

Over the last 20 years, employee lawsuits have risen roughly 400% with wrongful termination suits jumping up more than 260%. Oddly enough, you are more likely to be sued by an employee, than to have a fire at your facility.

It’s not just large corporations that are being hit. Roughly 42% of employee lawsuits are brought against private companies with less than 100 employees. The financial damage of employee lawsuits can be dramatic. The cost of settling out of court averages $75,000, and the average jury award hits $217,000 if you lose in litigations. Despite these scary numbers, roughly 7 out of 10 businesses do not carry EPLI insurance.

This can be an expensive mistake.

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