Phoenix - Business Insurance Solutions Agency
(718) 232-5443
Fax (718) 891-0200

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Brooklyn, NY 11235

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EPLI

Employment Practices Liability Insurance (EPLI) provides business owners with coverage against lawsuits brought against them by their employees.


Why Purchase EPLI Insurance?

DURING THE LAST 10 YEARS THE INSURANCE INDUSTRY HAS OBSERVED A LARGE SPIKE IN CLAIMS RELATING TO EMPLOYMENT PRACTICES. EPLI HAS BECOME A POPULAR SUBJECT AMONGST EMPLOYERS AND EMPLOYEES ALIKE. LAW FIRMS ARE INVESTING INTO ADVERTISING CAMPAIGNS, MAKING SURE THAT THE MESSEGE IS HEARD LOUD AND CLEAR ACROSS ALL SPECTURMS OF WORKING MEN AND WOMEN OF THE STATE OF NEW YORK, SUING YOUR EMPLOYER IS FAIR GAME!!! THE COSTS OF DEFENDING YOUR BUSINESS FROM AN EPLI LAW SUIT CAN BE CRIPPLING. THE ATTORNEY FEES CAN RUN UP INTO TENS OF THOUSNDS OF DOLLARS. SETTLEMENTS CAN RUN INTO THE HUNDEREDS OF THOUNSANDS. FORTUNATELY THERE ARE INSURANCE PROGRAMS SPECIFICALLY DESIGNED TO PROTECT YOUR BUSINESS FROM EPLI RALATED CLAIMS. UPON EVALUATIONS OF YOUR OPERATIONS, OUR TEAM AT PHOENIX BISA WILL DETERMINE THE CORRECT EPLI COVERAGE THAT IS NEEDED FOR YOUR BUSINESS AT AN AFFORDABLE PRICE.


Who needs EPLI?

Essentially every business that has employees needs to have EPLI insurance. It’s a standard for large corporations and fortune 500 companies to purchase EPLI insurance but unfortunately smaller size businesses are often left without EPLI coverage because it is not included in a standard Commercial General Liability policy. In fact, smaller to midsize business are more likely to incur an EPLI claim than a General Liability or Property claim.

Examples of EPLI claims

A employee can bring a lawsuit upon their employer for many different reason. Some of the most frequent types of EPLI claims include sexual discrimination, wage and hour violations and sexual harassment.


EPLI Policy Provides Coverage For:

  • Wrongful Termination
  • Sexual Harassment
  • Discrimination Based on Gender, Race or Disability
  • Invasion of Privacy
  • False Imprisonment
  • Breach of Contract
  • Emotional Distress
  • Failure to Employ or Promote
Coverage Highlights:

  • Fair Labor Act Violation (Wage and Hour Disputes)
  • Third Party Coverage
  • Full Prior Acts Available
  • Defense Outside the Limit

Eligible Classes
  • Accounting Firm
  • Advertising Firm
  • Air/Heat Contractor
  • Ambulance Service
  • Architect
  • Artisan Contractor
  • Assisted Living
  • Auto Dealer
  • Bank
  • Bowling Lane
  • Camp
  • Car Wash
  • Caterer
  • Cemetery/Funeral Home
  • Church
  • Condo/Homeowner Associations
  • Consultants
  • Construction Company
  • Country Club
  • Credit Operation
  • Daycare Center - Commercial
  • Doctor/Dentist
  • Drug Rehab Center
  • Employment Agency
  • Engineer
  • Fitness Center
  • Furniture Rental
  • Hair Salon
  • Home Healthcare Service
  • Hotel/Motel
  • Insurance Agents
  • Insurance Company
  • Janitorial
  • Landscaper
  • Law Firm
  • Maintenance
  • Manufacturer
  • Nursing Home
  • Plumber
  • Printer/Publisher
  • Property Manager
  • Real Estate Agency
  • Real Estate Agency
  • Recreation/Membership Organization
  • Rental Car Agency
  • Restaurant
  • Retail Store
  • Sales/Distributor
  • Security Guard Firm
  • School
  • Staffing Agency
  • Supermarket
  • Transportation/Trucking
  • Travel Agent
  • Veterinary Clinic