DISCRIMINATION
Protects against claims of workplace discrimination based on race, gender, age, disability, or other protected classes, including legal fees and settlements.
WHY PAY MORE?
GET AFFORDABLE EMPLOYMENT PRACTICES LIABILITY INSURANCE RATES
Discrimination
Wrongful Termination
Sexual Harassment
Wage and Hour Claims
Other
HANDPICKED CARRIERS –
LOWER COSTS, HIGHER SATISFACTION
WHY IS CINCO THE BEST CHOICE FOR EMPLOYMENT PRACTICES LIABILITY INSURANCE?
Competitive Rates
Industry Expertise
With or Without a License
With Good Credit, Bad Credit, or No Credit
Online/
Phone/
In-Person
Services
Multiple Convenient Locations Near You
WHAT COVERAGE CAN I GET FOR MY EMPLOYMENT PRACTICES LIABILITY INSURANCE?
WRONGFUL TERMINATION
Covers claims arising from an employee's wrongful dismissal, including violations of labor laws, employment contracts, or retaliation against employees.
SEXUAL HARASSMENT
Protects against claims of sexual harassment in the workplace, including incidents involving employees, supervisors, or third parties.
RETALIATION
Covers claims where an employee alleges retaliation for filing complaints or participating in investigations regarding workplace issues.
WAGE AND HOUR CLAIMS
Protects against claims for violations of wage and hour laws, including overtime pay, minimum wage, or improper deductions from paychecks.
FAILURE TO PROMOTE
Covers claims related to an employee’s allegation of being unfairly denied a promotion or advancement opportunity due to discriminatory practices.
DEFAMATION
Protects against claims of slander or libel made by employees or third parties during the course of employment.
EMPLOYMENT-RELATED MISCONDUCT
Covers claims for allegations of misconduct by employers or employees that cause damage to a business or other workers.
EMPLOYEE BENEFITS LIABILITY
Protects against claims arising from errors or omissions in the administration of employee benefits, including health insurance and retirement plans.
WORKPLACE TORTS
Covers claims for injuries caused by an employee’s intentional or negligent conduct in the workplace, including assault, battery, and emotional distress.
HOW IT WORKS
EXPLORE
Review our comprehensive range of coverage options that are customized to meet your unique business needs and find the right plan for your venture.
CONNECT
Reach out to our business liability team to discover the benefits of partnering with us and get affordable employment practices and liability insurance.
COMPARE
Get multiple quotes from various insurers at CINCO and compare the rates to find the coverage that best suits your price range and business requirements.
WHAT IS EMPLOYMENT PRACTICES LIABILITY INSURANCE?
Employment Practices Liability Insurance (EPLI) protects your business from employee claims that their legal rights were violated. This policy covers the legal costs arising from claims related to wrongful termination, discrimination, harassment, and other employment-related violations. It protects your company’s hard-earned reputation against claims that can devastate your company’s image.
In today's competitive environment, when employment-related litigation is becoming more frequent than ever, EPLI is a necessary addition to your insurance portfolio. Obtaining this coverage protects your company from substantial financial damages from legal disputes. Furthermore, EPLI policies often cover mediation and settlement expenses, providing an extensive safety net for your business.
FACTORS THAT IMPACT EMPLOYMENT PRACTICES LIABILITY INSURANCE RATES
There is no fixed rate for your EPLI coverage; it varies from one policyholder to another, depending on a wide range of factors. For starters, the size of your workforce is a crucial determinant of how much you will pay for your insurance. For example, if you are the owner of a large retail chain that employs a significant number of workers, you are more at risk for employment-related liabilities. Hence, the rates will be higher. Here are several other factors that influence your premiums:
Business Size
Industry Type
Number of Employees
Claims History
Employee Training Programs
Employee Turnover Rate
Workforce Diversity
Management Practices
Employment Contracts
Risk Management Policies
Company Location
Coverage Limits
Company Financial Stability
Workplace Safety Measures
Compliance with Employment Laws
WHO IS REQUIRED TO HAVE EMPLOYMENT PRACTICES LIABILITY INSURANCE?
Employment practices liability insurance is crucial if your business employs a large number of workers. This insurance helps protect your organization against claims of discrimination, harassment, wrongful termination, and other workplace concerns that could result in potential financial losses for the business. Even small companies are not entirely safe against unforeseen allegations and lawsuits in today's workplace environment. Here are some types of companies that should consider purchasing this coverage the most:
Businesses with employees to protect against workplace claims.
Employers with over 15 employees to comply with legal requirements.
Organizations with multiple locations to cover a diverse workforce.
Businesses with extensive benefits programs to protect against related claims.
Nonprofits and educational institutions to protect against harassment or discrimination claims.
Companies in high-risk industries with complex employment issues.
Businesses with a history of employee claims to mitigate future risks.
Companies with management teams involved in key employment decisions.
Companies facing rapid growth to prevent employment-related disputes.
Small businesses expanding their workforce to safeguard against future employment risks.
WHY IS EMPLOYMENT PRACTICES LIABILITY INSURANCE NECESSARY?
WHAT DISCOUNTS CAN I GET ON EMPLOYMENT PRACTICES LIABILITY INSURANCE?
Despite its high cost, employment practices liability insurance is a necessary investment due to the protection it offers. Fortunately, many insurance companies provide savings in the form of discounts and incentives based on specific criteria. For instance, companies can benefit from lower premiums if they have strong HR practices or regularly train staff, as these practices reduce the risk of liabilities. When buying employment practices liability insurance, you can search for the following discounts:
Risk Management Discount
Claims-Free Discount
Employee Training Discount
New Business Discount
Deductible Discount
Safety-Program Discount
Multi-Policy Discount
Business Size Discount
Industry-Specific Discount
Paid-in-Full Discount
HOW MUCH DOES EMPLOYMENT PRACTICES LIABILITY INSURANCE COST?
In recent years, the number of lawsuits alleging discrimination and harassment has drastically increased. Without adequate EPLI coverage, your business can be the next target of such financially devastating claims. Employment practices liability insurance rates can start as low as $500 per year for $1 million in coverage, applicable to entities with fewer than five employees.
However, you should evaluate your needs before choosing your plan's limits. You must consider factors such as the number of employees in your organization, industry, location, turnover rates, claims history, and coverage preferences. This way, you can ensure there are no gaps in your coverage when a need arises. You can also seek help from a broker who can assist you in finding the right plan.
WHAT ARE THE ESSENTIAL REQUIREMENTS FOR AN ACCURATE EMPLOYMENT PRACTICES LIABILITY INSURANCE QUOTE?
As previously mentioned, your EPLI premium is determined after your insurer evaluates a set of factors. Your provider will ask for specific details regarding your business and yourself to assess those factors. This ensures you can obtain an insurance policy that meets all your requirements. However, providing inadequate or invalid information may lead to unwanted delays and even the denial of claims during the process. Here are some essential requirements that help insurers determine your quotes:
GET A FREE EMPLOYMENT PRACTICES LIABILITY INSURANCE QUOTE
Are you looking to protect your business from potential employment-related risks? Get a free quote for Employers' Practices Liability Insurance (EPLI) today! Our skilled business insurance agents will help you find the right coverage plan for your small business.
Regardless of your business type, our comprehensive solutions will provide financial support while navigating the complexities of expensive legal battles. You simply need to submit the form, and once you do, our agents will contact you with your quotes within a few hours. So, what are you waiting for? Apply!
Discrimination
Wrongful Termination
Sexual Harassment
Wage and Hour Claims
Other
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