Seraph Risk Advisors
Northern UT
Even well-run businesses face employment-related lawsuits, and defending against one can cost tens of thousands of dollars regardless of the outcome. Employment practices liability insurance, or EPLI, protects your business from claims tied to how you hire, manage, and let go of employees. Seraph Risk Advisors helps employers nationwide put this coverage in place.
EPLI typically responds to claims of wrongful termination, discrimination, harassment, retaliation, and breach of employment contract, along with wage and hour disputes in many policies. Coverage generally pays legal defense costs and settlements, even when a claim turns out to be unfounded, since defense alone can be expensive.
Any business with employees carries some exposure to employment claims, but small businesses without a dedicated HR or legal team are often the most vulnerable. General liability and workers' compensation policies do not cover these claims, leaving a real gap without EPLI in place.
Most EPLI policies are written on a claims-made basis, meaning the policy in place when a claim is filed is the one that responds, subject to the policy's retroactive date. Maintaining continuous coverage matters, since a lapse can leave older conduct unprotected.
EPLI is often paired with D&O insurance as part of a broader commercial insurance program.
Yes. We help employers across the country secure EPLI coverage suited to their size and industry.
Yes. Small businesses are often the most exposed, since they typically lack in-house HR or legal support.
Generally yes. Most policies cover legal defense costs even when a claim is ultimately found to be unfounded.
Yes. EPLI is often bundled with D&O insurance or included as part of a broader commercial insurance program.
Contact us to discuss EPLI coverage for your business, wherever you are located.
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