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.
Companies in high-risk industries with complex employment issues.
Employers with over 15 employees to comply with legal requirements.
Businesses with a history of employee claims to mitigate future risks.
Organizations with multiple locations to cover a diverse workforce.
Companies with management teams involved in key employment decisions.
Businesses with extensive benefits programs to protect against related claims.
Companies facing rapid growth to prevent employment-related disputes.
Nonprofits and educational institutions to protect against harassment or discrimination claims.
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
AMERICA’S FAST GROWING INSURANCE
With over 7,000+ 5 star Google reviews and counting!
Vanessa Echeverry
I love Karina’s customer service. She is amazing—super friendly and super quick at getting you your insurance and on your way! She makes the entire process easy and is very helpful. Thank you, Karina!
Google Review
Walter P
I referred a few people here because of the exceptional job my rep provided. I call her my rep because she’s the only one I’ll go to from now on, and she’s the one I’ll refer my family to. I appreciate Paula for going above and beyond with me and the referrals I provided. All of this is due to the focus she placed on my situation. I will continue referring people to Paula for insurance solutions. Thank you again!
Google Review
Joyce Evans
Thank you, Javier, for the professional customer service. I am a senior citizen and don’t always get things right the first time. Thank you for your patience. I’m glad to have CINCO Insurance close to me in Garland on Northwest Highway.
Google Review
Doris Edmond
I spoke with Veronica, an agent with CINCO. She was the BEST! I was so stressed because I had been looking for coverage. Veronica took away all my stress. She worked with me tirelessly until she found auto coverage I could afford. I highly recommend her. She's professional, kind, courteous, and—most of all—patient. The definition of good customer service is VERONICA—my agent for life!
Google Review
Alva Ayuso
Valeria was very patient and courteous with us, answered all our questions, and helped us with all the paperwork! We will definitely recommend CINCO Auto Insurance to all our friends. Very satisfied!
Google Review
Rosalinda Alvarez
THANK YOU SO MUCH, AIME!! She offers outstanding customer service, going above and beyond to ensure a smooth and satisfying experience. Her professionalism, responsiveness, and attention to detail make every interaction pleasant and efficient. I highly recommend Aime 100% for her dedication to excellence and commitment to customer satisfaction! My family and I have found a great insurance company—all thanks to Aime.
Google Review
Alexus Monique
I’m currently looking for car insurance, and I’m so glad I decided to try this place out. The insurance agent Paula was very knowledgeable and sweet. She answered all my questions and made sure I didn’t leave with any doubts! I’m highly satisfied with my experience here and will be recommending this place. 😊
Google Review
Zouquayla Butler
I recently joined CINCO, and getting started was easy breezy. Javier is a 10/10—highly recommend! Great customer service, like we were old friends catching up while taking care of business. Thanks again, Javier. Awesome!
Google Review
Jose Santos
The service is excellent, and they help you with everything. You just have to be available, and they’ll do the work for you. I loved the work my agent Yolanda did. I recommend her—just ask for her!
Google Review
Rebecca Esquivel
Javier was awesome to talk to. He explained everything in detail and even repeated himself multiple times. Very, very patient with me—quick and ready to go! I was struggling to get a good quote, but he got me in and out. Thank you, Javier. 10/10 recommend!
Google Review
