Employment Practices Liability Insurance (EPLI)

At Kerr Insurance Brokers, we understand that even the best workplaces can face unexpected employee claims. Employment-related lawsuits are one of the fastest-growing risks facing small and mid-sized businesses today — and they can be costly, time-consuming, and damaging to your reputation.

That’s why we offer Employment Practices Liability Insurance (EPLI) — comprehensive coverage designed to protect your business, leadership team, and employees from claims related to wrongful acts in the workplace.

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What Does EPLI Cover?

EPLI provides coverage for a wide range of employment-related claims, including:

• Wrongful termination

• Discrimination (age, gender, race, disability, etc.)

• Sexual harassment

• Retaliation

• Defamation or emotional distress

• Breach of employment contract

• Failure to promote or hire

Even if your business follows every HR guideline and best practice, defending against these claims can cost thousands of dollars. EPLI coverage helps offset legal defense costs, settlements, and judgments.

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Why Your Business Needs EPLI

Employment laws are constantly evolving — and one misunderstanding or misstep can lead to a serious claim. EPLI insurance ensures that you’re financially protected while you focus on running your business.

Key benefits of EPLI coverage:

• Protects your company and leadership from costly employee lawsuits

• Covers legal defense fees and potential settlements

• Safeguards your reputation and business continuity

• Supports compliance with state and federal employment laws

• Complements your HR and risk management programs

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Our Approach to EPLI Protection

At Kerr Insurance Brokers, we bring over 17 years of experience helping business owners design insurance programs that balance coverage, compliance, and cost. Our independent status gives us access to a broad range of insurance carriers — allowing us to compare options and find the right EPLI policy for your industry, size, and risk profile.

We also partner with our clients to strengthen their internal HR practices, helping to reduce claims and improve workplace culture through proactive risk management and training.