Employment Practices Liability

Get an Employment Practices Liability Insurance (EPL) quote

Your Hanover agent can help you find the right Employment Practices Liability Insurance for your business.

What is Employment Practices Liability Insurance (EPL)?

Employment Practices Liability Insurance (EPL) provides coverage for liability damages and defense costs resulting from charges for employment practices and “wrongful acts,” including discrimination, harassment, wrongful discharge and retaliation by:

  • Full-time Employees
  • Part-time Employees
  • Temporary Workers
  • Seasonal Employees
  • Committee Members
  • Directors & Officers
  • Trustees

Why does your business need Employment Practices Liability Insurance (EPL)?

Although you may provide a good working environment, you may not be able to afford to be without Employment Practices Liability Insurance (EPLI). The facts on employee-related lawsuits are startling:

  • 1 in 12 federal court cases are employment-related
  • Average 2013 settlement: $173,000 (excludes defense costs)
  • Juries awarded over $1 million in 12% of employment-related cases

With the average law firm charging $300 per hour or more to defend a case, even a baseless claim could costs tens of thousands to defend. Cases with merit could cripple a business for years.

End-to-end management liability protection for businesses

The Hanover’s flexible solutions for Employment Practices Liability Insurance (EPL) help you to tailor coverage for your business’ needs.

Our Employment Practices Liability Insurance options offered as part of a Business Owner’s Policy or Commercial Package Policy offer basic coverage with various limit options, up to $250,000 on a Business Owner’s Policy and up to $1 million on a Commercial Package Policy.

Hanover Employment Practices Liability Advantage provides broad standalone coverage at very competitive rates with significant upgrades over an endorsement. In addition, Hanover Employment Practices Liability Advantage covers more classes of employees, including independent contractors, leased employers, and volunteers. As a value-added benefit, policyholders can access experts at Jackson Lewis, a nationally known firm specializing in labor and employment law.