Employment Practices Liability Insurance (EPLI) in Los Angeles
Coverage for claims of harassment, discrimination, wrongful termination, and retaliation. California employers face some of the most employee claims in the country, and EPLI covers your defense and settlements.
EPLI at a glance
- Who needs it
- Any California business with employees
- Common claims
- Harassment, discrimination, wrongful termination, and retaliation
- How it is written
- Stand-alone, as a BOP endorsement, or in a management liability package
- Often included
- HR hotline and risk management resources
- Not covered
- Wage and hour claims, except limited defense in some policies
What EPLI covers
EPLI covers claims that you violated an employee’s rights, from hiring through termination, and pays your defense even when the claim has no merit.
Harassment
Covers claims of sexual and other workplace harassment.
Discrimination
Covers claims based on age, race, gender, disability, and other protected traits.
Wrongful termination
Covers claims that an employee was fired illegally.
Third-party claims
Covers harassment or discrimination claims from customers or vendors.
Retaliation
Covers claims that you punished an employee for a protected action.
Wage and hour defense
Some policies include limited defense costs for wage and hour claims.
What affects EPLI rates
EPLI pricing depends on your employee count, industry, turnover, location, and claims history. California rates are higher than most states because employment claims are common here.
Good HR practices make a real difference. Carriers look for an employee handbook, documented policies, and required harassment prevention training.
Ways to lower your premium
- Keep an updated employee handbook
- Complete California’s required harassment prevention training
- Document performance issues and terminations
- Use an HR hotline before making difficult decisions
- Choose a retention you could cover comfortably
What moves your rate
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Employee count
More employees means more potential claims.
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Turnover
Frequent terminations raise the risk.
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Industry
Some workplaces see more claims than others.
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HR practices
Handbooks, training, and documentation lower rates.
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Claims history
Past claims weigh heavily on renewal.
EPLI questions
Don't see yours? Call (310) 751-5979 and ask.
Does general liability cover employee lawsuits?
No. General liability excludes employment claims. EPLI is designed for them.
Does EPLI cover wage and hour claims?
Usually not, though some policies include limited defense costs for them.
Can a small business get EPLI?
Yes. EPLI can be written for businesses with just a few employees, either stand-alone or as an endorsement to a BOP.
What does California require for harassment training?
Employers with five or more employees must provide harassment prevention training to supervisors and staff. Documented training also helps with EPLI pricing.
Find out what you should be paying
Tell us about your team. We compare carriers and come back with real quotes, usually within 1-2 days.