Employment Practices Liability Insurance

The costs associated with employment practice-related claims can be staggering and are on the rise. Employers may face a number of claims and lawsuits over wrongful termination, discrimination, workplace harassment and retaliation. And a business owner doesn’t even have to be in the wrong to be sued. The right insurance to cover defense costs and damages related to various employment-related claims can be critically important to help protect business assets. The Hartford provides comprehensive and customizable Employment Practices Liability Insurance (EPLI) designed to help protect business owners and their businesses.
Unlike some BOP policies, The Hartford’s BOP can help protect your business if your customers, vendors, or business invitees accuse you of harassment or discrimination. Other BOP’s may limit protection to just your employees’ claims against you. To help give you the protection you need – especially if you have a significant amount of customer contact – third-party EPL coverage1 is included for most businesses.2
EPLI from The Hartford is included in our Business Owner’s Policy and Private Choice PremierSM package policy, or as stand-alone coverage with The Hartford Employers Premier Choice.SM

If You Have Employees, You Need Employment Practices Liability Insurance

The Hartford is dedicated to helping protect employers. That’s why we designed our EPLI coverage to help businesses not only endure, but prevail in the event they face an employment-related claim for acts including:
  • Discrimination
  • Harassment
  • Retaliation
  • Violation of the Family and Medical Leave Act
  • Wrongful discipline
  • Wrongful failure to promote
  • Wrongful termination
A common employee complaint filed centers around wage and hour violations including wage calculation, overtime calculation and job classifications. Employees file wage and hour lawsuits accusing employers of misclassifying employment status or miscommunicating an employee’s eligibility to receive overtime. The Hartford’s BOP automatically includes a Wage And Hour Defense Cost sublimit of coverage as part of its built-in EPL coverage – which is a real plus for businesses that are likely to find themselves exposed to wage and hour disputes.3

Prevention Is Your Best Protection

The Hartford does more than just provide coverage. We offer employers some of the best learning tools to help prevent lawsuits from happening in the first place. For example, we’ve developed hartfordhelp.com,4 proprietary website that provides employers with helpful resources including:
  • Web-based training on sensitive topics – from sexual harassment to wrongful termination
  • Current articles on employment practices trends
  • Model employment practices and employee handbooks
Employee-related lawsuits can be both emotionally and economically draining. Let The Hartford help. 
1 Included for most classes on both built ins and increased limit policyholders.

2 Employment Practices Liability coverage is not available in all states or to all classes of business. The $10,000 limit applies to Growing Spectrum business written in Sentinel Insurance Company, Ltd. A $5,000 limit applies to business written in all other Spectrum class plans. The EPL program described herein does not apply to EPL coverage written in California or New York. There is no built in EPL coverage in Minnesota or New York.

3 Included with all built in policyholders. Included with most increased limit policyholders.
4 Requires purchase of increased limits in all states except California. In California businesses that purchase EPLI coverage have access to HartfordHelp.
Additional disclosures below.
Certain coverages vary by state and may not be available to all businesses. All Hartford coverages and services described on this page may be offered by one or more of the property and casualty insurance company subsidiaries of The Hartford Financial Services Group, Inc. In TX, this insurance is written by Sentinel Insurance Company, Ltd., Hartford Casualty Insurance Company, Hartford Lloyd’s Insurance Company, Property and Casualty Insurance Company of Hartford, Hartford Underwriters Insurance Company, Twin City Fire Insurance Company, Hartford Accident and Indemnity Company and Hartford Fire Insurance Company. In CA by Sentinel Insurance Company, Ltd. (CA license # 8701) and its property and casualty insurance company affiliates, One Hartford Plaza, Hartford, CT 06155.
The Hartford® is The Hartford Financial Services Group, Inc. and its property and casualty subsidiaries, including issuing company, Hartford Fire Insurance Company. Its headquarters is in Hartford, CT.