Employment Practices Liability Insurance (EPLI) covers your business when employees allege wrongful termination, discrimination, harassment, retaliation, or wage and hour violations. California leads the nation in employee lawsuits and settlements averaging 260% higher defense costs than other states. Even if you do everything right, legal fees and settlements can be devastating. EPLI ensures you have financial protection, so one claim doesn’t threaten everything you’ve built.
Shield Your Business From Costly Employee Lawsuits
Comprehensive Protection for Employee-Related Claims
Legal Defense Costs
Pays for attorneys and court expenses, even if a claim is baseless.
Settlements and Judgments
Covers most settlements or awards for claims like wrongful termination, discrimination, or sexual harassment.
Current, Former, and Prospective Employees
Claims can come from anyone you interview, hire, or let go.
Third-Party EPLI (Optional)
Some policies protect against claims by customers or vendors alleging harassment or discrimination by your staff.
Example
If a former employee sues your business for age discrimination, EPLI covers your legal fees and can cover a potential settlement, so you can focus on your company, not court battles.
High Litigation / Higher Risk
California’s employee-friendly laws make it easier for workers to bring claims and pursue large damages. The average cost to defend an employment lawsuit in California is about $160,000, and settlements are often much higher. Claims related to retaliation, harassment, or wage disputes are common. No business is too small to be sued; roughly 1 in 5 small businesses will face an employment claim.
Any Employer With Staff - No Matter the Size
Whether you have two employees or two hundred, EPLI is crucial. Industries with higher claim frequency, like hospitality, retail, and tech, face even greater exposure. Even with the best intentions and strong HR practices, misunderstandings, layoffs, or a single offhand remark can lead to a lawsuit.
We Go Beyond Policies to Focus on Prevention and Support
Miller United helps you prevent claims by offering HR resources and best practices, like handbook reviews and referrals for compliance support. Our experts stay current with California’s evolving employment laws and will tailor your EPLI coverage to your business and risk profile. We’ll recommend appropriate limits (often $1M+) and can bundle EPLI with Directors & Officers Liability or other management protections for total peace of mind.
Exclusions & Transparency
Note: EPLI does not cover intentional fraud or criminal acts, or owed wages, and some policies exclude punitive damages. We explain all exclusions and work to secure the broadest protection available.
Protect Your Business - Request an EPLI Quote Today
Don’t let one claim jeopardize your business. With Miller United, you get expert guidance, coverage options, and a partner that stands with you from prevention to defense.
