Employment Practices Liability Insurance

Employment Practices Insurance for Management Liability Risks

Management Liability

In today’s dynamic business environment, safeguarding against employment-related risks is crucial. IAT’s Employment Practices Liability Insurance (EPLI) provides comprehensive protection for businesses against claims arising from employment practices. Our EPLI coverage is designed to address a wide range of employment-related issues, offering peace of mind to employers and support for wholesale partners navigating these complex risks.

What is Employment Practices Liability Insurance?

Employment Practices Liability Insurance covers claims related to employment disputes, including wrongful termination, discrimination, harassment, and retaliation. As employment laws and regulations evolve, the potential for costly lawsuits increases. EPLI ensures businesses have the financial protection and legal support to handle these challenges effectively.

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Management Liability

Whether it's a wrongful act, mismanagement, or employment practices issue, our Management Liability products are designed to provide the necessary coverage, allowing your clients to focus on running their businesses.

EPL

Coverage Highlights

Our Employment Practices optional sub limited coverage enhancements can include:

  • Wage & Hour limits available 

  • Workplace Violence

  • Illegal Immigration 

  • Free 30-minute consultation with Gordon & Rees available for EPL customers  

  • Additional defense limits available

Target Classes and Industries

Our EPLI coverage is tailored to meet the needs of various industries. Common sectors that benefit from this coverage include:

Frequently Asked Questions

EPLI and workers’ compensation cover different risks:

  • EPLI protects against lawsuits alleging unlawful employment practices (e.g., discrimination).
  • Workers’ compensation covers medical costs and wage benefits for employees injured or ill from job-related incidents

No. Workers’ compensation is generally required and covers physical injuries or illnesses on the job, while EPLI covers employment-related legal claims — they work together to fill different risk gaps.

Any business with employees, regardless of size or industry, should consider EPLI, especially as employment-related claims continue to rise.

EPLI is usually optional, not required by law, but many companies add it to manage employment-related legal risks and protect their financial stability.

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Partner with IAT

Our Employment Practices coverage is part of our broader Management Liability solutions, which also include Directors and Officers Liability, Fiduciary Liability, and more. We offer robust protection designed to address the unique challenges faced by various industries. Our experienced team works closely with wholesale partners to tailor coverage solutions that meet the specific needs of their clients.