Whether you manage a business with employees or just work directly customers, Employment Practices Liability Insurance (or EPLI)
is a form of protection you should be thinking about.
At Mt. Franklin Insurance, I talk to business owners every day who are focused on growing their companies, hiring the right people, and serving their customers. But few are prepared when an unexpected employment-related claim hits their desk. And let me be clear: it’s not always about what did happen. Sometimes, it’s just the cost of defending what someone says happened.
That’s where EPLI comes in.
What Is EPLI?
EPLI covers a wide range of claims made by employees, job applicants, and even customers or vendors about how they’ve been treated in the workplace. These could be allegations of:
- Discrimination (based on age, race, gender, etc.)
- Harassment, including sexual harassment
- Wrongful termination or failure to promote
- Retaliation
- Wage and hour violations
Even if these allegations aren’t true, the cost of defending against them, legal fees, time, and stress, can put a serious dent in your business.
One Claim. One Lawsuit. One Big Disruption.
Most business owners don’t think about EPLI until they’ve already been served. But whether you employ people or interact with third-party vendors or customers, you’re at risk. Many EPLI policies include third-party coverage, meaning you’re protected if a customer or vendor alleges discrimination, too.
Here’s the Bottom Line:
You don’t have to do anything wrong to get sued. You just have to be accused.
And when that happens, EPLI helps you respond, not just with dollars, but with legal defense and guidance when you need it most.
At Mt. Franklin Insurance, we specialize in helping business owners across Texas and New Mexico build insurance portfolios that protect what matters most. If you’re not sure whether you have EPLI, or if your coverage is enough, let’s talk.
It might be one of the most important conversations you have this year.
Ready to learn more? Contact us at 915-599-2900 or book a consultation directly with me at Schedule a Consultation with Shane
