Employment Practices Liability

Tanna Insurance

Also referred to as EPLI, an Employment Practices Liability Insurance policy gives you coverage in the event your business is faced with legal action over an employment rights violation or wrongful termination. It can pay for the legal costs associated with such actions.

When is the right time for a small business to buy EPLI?

If you hire staff, then buying employment practices liability insurance can protect your business in the event of any legal action. Whether the action you face is from a single employee or a group, this coverage can cover your legal fees.

Because EPLI is typically a claims-made policy, claims made against this will only be valid if your policy is active when the alleged event occurred, and when the claim is made. For instance, if you decide to cancel your EPLI coverage because your business is closed, and a former employee was to take action, then your insurer is unlikely to pay out. There is a policy extension option available to cover this type of event, but in terms of knowing when the right time is to buy EPLI, the straightforward answer is, as soon as you start to hire employees.

What types of claims can EPLI protect your business against?

Employment Practices Liability Insurance can help you to protect your company against claims of:

  • Sexual Harassment
  • Discrimination
  • Mismanagement of benefits
  • Wrongful termination
  • Invasion of privacy
  • Employment contract breach
  • Wrongful demotion or disciplinary

As an experienced independent insurance agent, we also want to let you know what is not covered under an EPLI policy, as this is often an area we are frequently asked about.

  • Professional negligence
  • Employee injuries or lawsuits about injuries
  • Third-party lawsuits for libel or slander


If you’d like to buy commercial insurance for any of these matters, then please give us a call to discuss your immediate needs.

How much does EPLI cost?

The cost of an EPLI policy could be more affordable than you think. There are a number of factors that impact the cost of buying EPLI for your business. These are:

  • Your industry
  • Your number of employees
  • Your annual revenue
  • Your individual hiring and termination policies and practices
  • Your company’s risk profile, including the states you do business in
  • Any prior claims history

If you are a small business, then you might be able to bundle your EPLI coverage with a Directors and Officers insurance policy.

As a commercial insurance agency, we understand the importance of balancing the right levels of coverage with the budget in mind. Talk with a member of our team today about your commercial insurance needs.

Request an Employment Practices Liability Insurance Quote

Buying commercial liability insurance is essential for your personal and professional protection. With so many types of insurance to review, it’s easy to come unstuck or get overwhelmed by the details. As your local commercial insurance agent in Woburn, we offer a personalized service, and we build insurance packages that are tailored to your individual needs.

Why Choose Tanna Insurance?

We’ve been in business for over twenty years with industry experience of over forty. Here are just a few reasons why clients enjoy doing business with us.

  • Trusted and well-established Insurance agent
  • Independent, family-owned and operated business
  • A dedicated team of insurance experts
  • Personal attention and tailored insurance packages
  • Access to many National & Regional companies
  • Outstanding attention to client services

If you want to work with an insurance agent you can trust, the team at Tanna Insurance can help you protect your business, your people, and your assets.