First Choice Insurance Intermediaries, Inc.
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First Choice Insurance Intermediaries, Inc.
Contact Us
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Employment Practices Liability Insurance
Employment practices liability insurance covers (up to the policy limits) damages for which an employer is legally liable such as violating an employee's civil or other legal rights. In addition to paying a judgment for which the insured is liable, it also provides legal defense costs, which can be substantial even when there has been no wrongdoing. EPLI covers businesses against claims by workers that their legal rights as employees of the company have been violated.

The number of lawsuits filed by employees against their employers has been rising. While most suits are filed against large corporations, no company is immune to such lawsuits. Recognizing that smaller companies now need this kind of protection, some insurers provide this coverage as an endorsement to their Business Owners Policy (BOP). An endorsement changes the terms and conditions of the policy. Other companies offer EPLI as a stand-alone coverage.

All applications should be submitted 30-45 days before current policy’s expiration date.

EPLI provides protection against many kinds of employee lawsuits, including claims of:
  • Sexual harassment
  • Discrimination
  • Wrongful termination
  • Breach of employment contract
  • Negligent evaluation
  • Failure to employ or promote
  • Wrongful discipline
  • Deprivation of career opportunity
  • Wrongful infliction of emotional distress
  • Mismanagement of employee benefit
Deductibles Follow package deductible if stand alone coverage. Deductibles usually start at $1,000.

Premium Financing Available.

Notes The cost of EPLI coverage depends on your customer’s type of business, the number of employees they have and various risk factors such as whether the company has been sued over employment practices in the past. The policies will reimburse against the costs of defending a lawsuit in court and for judgments and settlements. The policy covers legal costs, whether your company wins or loses the suit. Policies also typically do not pay for punitive damages or civil or criminal fines. Liabilities covered by other insurance policies such as workers compensation are excluded from EPLI policies. To prevent employee lawsuits, educate your insured and their employees to minimize problems in the first place:
  • Create effective hiring and screening programs to avoid discrimination in hiring.
  • Post corporate policies throughout the workplace and place them in employee handbooks so policies are clear to everyone.

U.S. States Available

  • U.S. States Available:
  • Provider Type:
    Wholesale Broker
  • Admitted:
    Some Available States
  • Carriers:
  • Carrier Ratings:
    All Carriers are “A” Rated
  • Commission:
  • Min Premium:


Request a Quote Now!


820 A1A North, Suite 16E
Ponte Vedra Beach, FL 32082

Required / Forms

New Submissions Requirements:
  • Complete ACORD Applications
  • Company Supplemental Applications – when applicable (Ask your FCII Account Mgr.)
  • Current Valued Loss Runs with a minimum of 3 years (5 years preferred)
If Available:
  • Copy of current policy or explanation of the type of coverage currently provided.
  • Expiring premium or target premium
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First Choice Insurance Intermediaries, Inc. has other insurance programs like Accountant and Bookkeeper Insurance.