What is covers
Common claims EPLI addresses.
EPLI covers claims brought by employees alleging their legal rights were violated. That includes wrongful termination, discrimination, sexual harassment, failure to promote, wrongful discipline, and mismanagement of employee benefit plans, among others. The policy covers legal defense costs whether your business wins or loses, as well as judgments and settlements. It does not typically cover punitive damages, civil or criminal fines, or liabilities already covered by workers compensation.
Smaller businesses aren't exempt
Every employer carries this risk.
Employment-related lawsuits aren't limited to large corporations. Small and mid-size businesses face the same exposure — and often have fewer internal resources to manage a claim when one arises. For businesses that qualify, EPLI can sometimes be added as an endorsement to an existing Business Owners Policy, making it a straightforward addition to coverage already in place.
The Graybeal difference
Make sure your business is covered.
If you have employees, this is a conversation worth having. Let's talk through your operation and make sure your coverage accounts for the risks that come with having a team.
Our recent news
Latest news & articles.
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USDA Announces Livestock Insurance Program Enhancements for 2027
The USDA’s Risk Management Agency just announced a meaningful set of updates to three of its core livestock insurance programs — Livestock Risk Protection (LRP), Livestock Gross Margin (LGM), and Dairy Revenue Protection (DRP) — set to take effect for the 2027 crop year. For ranchers and livestock producers, this…
