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Employment Practices Liability (EPLI)

American employers continue to face increasing numbers of employment related claims for wrongful professional conduct including discrimination, wrongful termination, retaliation, sexual harassment, and breach of employment contract. As specific employment related claims fall outside of the scope of general liability insurance policies, it is important to ensure your clients have the necessary coverage in the event of an Employment Practices Liability claim.

A leading provider of wholesale specialty insurance, Burns & Wilcox delivers the knowledge and resources needed to protect against financial damages resulting from wrongful employee conduct and practice claims. By partnering with Burns & Wilcox, you are able to access and create coverage tailored to fit your clients’ individual needs.

Coupled with our fast quotes, competitive rates, excellent client service, and unparalleled access to markets and products, it is no wonder Burns & Wilcox is a top-rated excess and surplus lines wholesaler for EPLI. Make sure your client is properly insured in the event of an EPLI claim!

Coverage Details and Features


  • All risk coverage for violation of any state, federal, or local civil rights or anti-discrimination law
  • Protection from wrongful employment practices such as workplace harassment, retaliation,
    failure to promote, demotion, invasion of privacy, defamation, and more
  • Covers wrongful termination including constructive discharge punitive damages where allowed by state law, up to policy limits
  • Punitive damages, where allowed by state law, up to policy limits
  • Prior Acts Coverage
  • Vicarious liability coverage included for all intentional acts
  • Third-party Discrimination Coverage
  • Defense costs outside coverage limits
  • Worldwide coverage

Additional Benefits

  • An EPLI hot-line staffed by EPLI attorneys
  • A web-based loss control system
  • A web-based human resources system

Target Classes

(including but not limited to)

  • Full-time employees
  • Part-time employees
  • Independent contractors
  • Temporary employees
  • Lease employees
  • Seasonal employees


Burns and Wilcox Videos

EEOC & Employment Practices Liability

Did you know the average settlement of an EEOC retaliation claim can cost a company almost $475,000? This is a risk that cannot be ignored...

1min 43sec

Ask an Expert

What kind of protection does employment practices liability insurance (EPLI) provide?
Any organization that has employees should have EPLI coverage because they are at risk for a lawsuit. EPLI provides business organizations protection against employment claims, including wrongful termination, sexual harassment, racial discrimination and retaliation. An EPLI policy will not cover physical bodily injury, sexual abuse, molestation, or property damage – those risks must be addressed by a separate line of coverage.
Why is it important for an employer to have EPLI coverage?
We see more EPLI claims than any other line management liability insurance. Whether your client is a small start-up company or a major conglomerate comprised of thousands of workers, disagreements, misunderstandings and misconduct are bound to occur. Often, employers rely on their business owner insurance package to protect them against employment claims, but those packages typically include insubstantial EPLI lines. It’s important that retail brokers and agents inform their clients about the more comprehensive EPLI coverage that is available.
Are there other overlooked risks retail agents and brokers can help protect their clients against?
In 2009, the federal government enacted the Fair Labor Standards Act (FLSA) which set national standards for minimum wage, overtime pay, record keeping and youth employment. Wage and hour claims are one of the most common grievances and involve workers filing suits, largely in class action form, for low wages. As a result, we’ve seen an increase in business owners seeking supplemental FLSA and wage and hour coverage to bundle with their EPLI policy.

At Burns & Wilcox our expertise becomes your expertise. Our marketing materials are designed to help you give your clients what they want to hear – yes to almost any hard-to-place-risk.


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