Employment Practices Liability (EPL)

How many small businesses do you know that can afford $150,000 in defense costs if suit is brought against them? Not many. Any company with employees should seriously consider obtaining EPL coverage.

Product Features
  • A.M. Best Rated “A-” or better companies
  • Minimum premiums start at $750
  • Retentions start at $1,000
  • Duty to defend
  • Broad definition of wrongful employment act

Optional Coverages Include (among others):

  • Defense expenses outside limits
  • Defense expenses wage & hour
  • Full prior acts
  • Coverage for independent contractors
  • 3-year policies
  • Third party discrimination
  • Workplace violence
Quoting with Griffin
  • Online quotes are quick and easy
  • For risks with over 10 employees, submitting a complete application allows us to test our other markets for a more competitive quote
  • Written as a standalone policy; or packaged with D&O, Crime, or Cyber Liability
Why Buy Employment Practices Liability Insurance?

Over 40% of Employment Practices Liability claims are brought against private employers with fewer than 100 employees
47% of plaintiff verdicts are between $100,000 and $500,000
Employment Practices Liability provides protection against:

  • Discrimination and harassment
  • Wrongful termination
  • Wrongful infliction of emotional distress
  • Wrongful discipline
  • Negligent evaluation
  • Mismanagement of employee benefit plans
  • Failure to employ or promote
  • Defense expense for wage and hour claims
Eligible Risks
  • Construction
  • Bars & Restaurants
  • Hospitality
  • Retail
  • Manufacturing
  • Municipality
  • Entertainment
  • Law Firms
  • Social Services
  • ...and MORE!

Quoting & Applications

Log in to obtain applications, additional info, or quote online.
*Coverage may not be available for all accounts or in all states
*Applications will apply to most markets but in certain circumstances additional applications may be needed
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