Employment Practice Liability Insurance

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As an employer, you face a rising tide of employment practices litigation alleging discrimination, sexual harassment, retaliation, and other employment-related issues. We’ll work with you to help you assess and manage your risk proactively.

We all know the stereotype that Americans are sue-happy. Unfortunately for employers, that stereotype is very true. Employee lawsuits have increased 400% since the early 2000’s- and they don’t come cheap. The average out-of-court settlement is $75,000.

And the size of your business doesn’t matter! Small businesses are just as likely to be sued by employees as large ones. After looking at these statistics, you can understand why employment practice liability insurance is so important. However, only 30% of businesses carry employment practice liability insurance (EPLI). But what exactly is EPLI and how can it help?

What is employment practice liability insurance?

Employment practice liability insurance protects a business from financial loss over wrongful acts committed during the employment process. This type of policy covers legal and settlement fees for claims like:

  • Illegal background checks
  • Pregnancy discrimination
  • Genetic discrimination
  • Unpaid internships
  • Breach of contract
  • Sexual harassment
  • Gender pay gap discrimination
  • Disability discrimation

While employment practice liability insurance isn’t mandatory in Illinois, it’s an indispensable type of commercial coverage.There are many reasons why employees can sue you in this day and age, which is why it’s better to be safe than sorry when it comes to employment practice liability insurance. You could save hundreds of thousands of dollars by purchasing a comprehensive Illinois EPLI policy from Reliant Agency rather than running into a high-risk and high-cost operation.

Employment Practice Liability Insurance - Woman Getting Hired for Her First Job

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