What is Lawyers EPLi?
Lawyers Employment Practices Liability Insurance (EPLi) is a specialized type of coverage designed to protect law firms against claims made by employees or potential employees related to workplace practices. These can include allegations such as wrongful termination, discrimination, sexual harassment, and other employment-related issues. EPLi helps cover legal defense costs, settlements, and judgments that may arise from such claims.
Who Needs It
Any law firm with employees—regardless of size—can benefit from EPLi coverage. Even small or solo practices that hire staff, paralegals, or associates are exposed to employment-related risks. Because legal professionals are expected to maintain high standards, even unintentional issues can lead to lawsuits. EPLi is especially important for firms without dedicated HR departments or legal compliance teams.
What It Typically Covers
While exact coverage can vary by policy and carrier, a standard Lawyers EPLi policy often includes protection against:
- Wrongful termination
- Discrimination based on race, gender, age, religion, or disability
- Sexual harassment
- Retaliation or wrongful discipline
- Failure to promote or hire
- Invasion of privacy or defamation in the workplace
Common Exclusions and Limitations
EPLi policies often exclude certain types of claims or limit coverage for specific circumstances. Common exclusions may include:
- Criminal acts or intentional wrongdoing
- Claims covered under workers' compensation or general liability policies
- Contractual disputes not related to employment law
- Prior or pending litigation before the policy start date
It's important to review the policy terms carefully and understand any limitations in coverage.
Factors That Influence Cost
The cost of EPLi for lawyers depends on several key factors, including:
- Firm size and number of employees
- Claims history or past lawsuits
- Risk management practices and employee training
- Location and applicable state laws
- Policy limits and deductibles
Underwriters may also consider the firm's area of legal practice and organizational structure.
Proof of Insurance & Compliance
Although employment liability insurance may not be required by law in all states, some clients, landlords, or government contracts may request proof of coverage. Having EPLi in place can demonstrate professionalism and a commitment to a safe work environment. Be sure to check local and state-specific requirements for any additional compliance obligations.
How to Get a Quote
Getting coverage is simple. You can start by requesting a customized quote online. Our licensed agents can help you understand your options and tailor coverage to your law firm’s needs. Get your EPLi quote today.
Frequently Asked Questions
Is EPLi required for law firms?
No, it's not legally required in most states, but it is highly recommended to protect against employment-related lawsuits.
Does EPLi cover independent contractors?
Many policies exclude independent contractors, but some may offer optional coverage. Review your policy details or ask your insurer.
Can EPLi be bundled with other insurance policies?
Yes, EPLi is often available as an add-on or bundle with business owners policies or professional liability insurance.
What’s the difference between EPLi and professional liability insurance?
EPLi covers employment-related claims, while professional liability insurance protects against errors or omissions in legal services.
Will my EPLi policy cover claims from former employees?
Yes, most policies cover claims made by former employees, provided the incident occurred during the policy period and within coverage terms.
Still have questions? Talk to a local insurance expert.