What Does EPLI Cover?
EPLI covers claims made by employees, former employees, and employment candidates alleging violations of their legal rights in the employment relationship.
Wrongful Termination
Covers claims by employees who allege they were fired unlawfully — in violation of an employment contract, anti-retaliation protections, or public policy. One of the most common EPLI claims.
Discrimination Claims
Covers claims alleging discrimination based on protected characteristics — race, gender, age, disability, religion, national origin, and more. Covers both federal and Texas state law claims.
Sexual Harassment & Workplace Harassment
Covers claims of sexual harassment and other forms of workplace harassment — both quid pro quo (supervisor requiring favors) and hostile work environment claims. Includes third-party harassment.
Retaliation Claims
Covers claims by employees who allege they were punished for reporting discrimination, harassment, safety violations, or other protected activities. Retaliation is one of the fastest-growing EPLI claim categories.
Defense Costs
Employment claims are expensive to defend regardless of outcome. Attorney fees, depositions, discovery costs, and expert witnesses can easily exceed $100,000 in a single case. EPLI covers these costs.
Third-Party Claims
Some EPLI policies extend coverage to claims by customers, vendors, or other third parties who allege they were discriminated against or harassed by your employees during business interactions.
Why Every Texas Employer Needs EPLI
Any Business with Employees Is Exposed
You don't need to be a large corporation to face an employment claim. Small businesses with even one employee face the same legal exposure as major companies — and often have fewer resources to defend themselves.
Rising Claim Frequency
EEOC charge filings and employment lawsuits have increased significantly in recent years. The average out-of-court settlement for employment claims exceeds $75,000 — and jury verdicts average over $200,000.
Good Intentions Aren't Enough
Most employment claims are brought against businesses that believe they acted lawfully. The cost of defending a claim — regardless of merit — can be devastating without EPLI coverage. Protect your business from the unexpected.
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