McGowanPRO Professional Liability Blog / Resources / Articles

Employment Practices Liability Insurance (EPLI) by the numbers

Posted by Alison Simons on Thu, Aug 06, 2015 @ 03:00 PM

According to Advisen only 20% of companies with less than 50 employees have EPLI insurance but it does increase to 32% when companies employee between 50 and 200.  

The Equal Employment Opportunity Commission (EEOC) handled more than 100,000 complaints in 2013 and 89,000 in 2014.

43% were for retaliation and federal wage lawsuits continue to dominate the court systems.

EPLI covers businesses against claims by workers that their legal rights as employees of the company have been violated.

EPLI provides protection against many kinds of employee lawsuits, including claims of:

  • 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

Tags: Employment Practices Liability, EPLI

Understanding the difference in professional liability insurance policies

Posted by Tom Henell on Fri, Aug 03, 2012 @ 07:44 AM

In some cases, it may appear that certain professional insurance policies overlap, or are intended to cover the same things.

Does my Errors & Omissions policy cover my acts as a Director?

What is the difference between professional liability and general liability?

Our Insurance Matrix provides a simple overview of some common professional liability policies and their intended coverage.

For more information simply contact us.

Tags: employee dishonesty, professional liability, Employment Practices Liability, EPLI

Compelling Reasons your firm should have Employment Practices Liability (EPLI) policy

Posted by Tom Henell on Mon, Nov 22, 2010 @ 12:07 PM

Social Media has changed the rules

Social Media has become prevalent in our society and has the tendency to blur the lines between personal and professional exposure.  What your employees do on their personal time, or on personal website platforms while in your office, can impact you.  NAPLIA has developed specific guidelines for amendments to your Employee Handbook ( and recommends every firm consider Employment Practices Liability Insurance (EPLI).

You are more likely to be sued by an employee than have a property loss

It’s a fact, you are more likely to be sued by an employee than have a property loss.  Yet, few firms would consider going without property insurance, while the percentage of firms that forego EPLI is significant.

Health or Benefit Reductions increase risk

Any reductions to employee benefits, including the reduction of 401k matching benefits, can increase the risk of EPLI claims. 

Economic slow down

Economic changes are rarely in our control, and unfortunately changes in the economy can directly impact your business.  It is a smart move to consider EPLI prior to having to consider any lay-offs, cut-backs, or changes to staffing.

Can you afford not to?

Over 60% of the employee liability claims filed annually are against small employers, and it is estimated that one EPL suit could bankrupt 50% of  small businesses without Employment Practices Liability Insurance.  Nobody likes to think it could happen to them, but with these statistics can you afford not to investigate insurance that could protect your business.

Tags: Social Media, Employment Practices Liability, EPLI