Your Employees Are Your Greatest Asset. Protect Your Business When Claims Arise.
Standard business insurance doesn't cover employment-related lawsuits. EPLI protects your business from claims of discrimination, harassment, wrongful termination, and other workplace disputes.
One Employee Lawsuit Can Bankrupt a Small Business
Employment-related lawsuits are one of the fastest-growing risks facing businesses today. An employee, former employee, or even a job applicant can sue your business for wrongful termination, discrimination, harassment, or retaliation — and you don't even have to be in the wrong to face a costly legal battle.
Your general liability policy, BOP, and workers' compensation do not cover employment practice claims. Without EPLI, your business pays every dollar of legal defense, settlements, and judgments out of pocket. For small and mid-sized businesses, a single claim can cost tens or even hundreds of thousands of dollars.
Employment claims can come from any direction — current employees, former employees, even people you didn't hire. EPLI gives your business the financial protection and legal defense it needs to survive a workplace lawsuit.
Get an EPLI Quote →Could your business survive an employee lawsuit?
Most small businesses don't have EPLI coverage — and one claim is all it takes. Let us review your exposure and close that gap today.
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EPLI Coverage Through Brawner
EPLI covers the legal costs of defending your business against employment-related claims — from initial defense through settlement or judgment.
Wrongful Termination
Covers legal defense, settlements, and judgments when a former employee claims they were fired unfairly, without cause, or in violation of employment laws — even if the termination was justified.
Discrimination Claims
Covers claims alleging discrimination based on age, race, gender, religion, disability, sexual orientation, pregnancy, national origin, or any other protected class under federal or state law.
Sexual & Workplace Harassment
Covers lawsuits alleging sexual harassment, hostile work environment, or other forms of workplace harassment — whether the claim involves an employee, supervisor, or third party like a vendor or customer.
Retaliation
Covers claims that an employee was punished — demoted, fired, or mistreated — for reporting misconduct, filing a complaint, participating in an investigation, or exercising a legal right.
Wage & Hour Violations
Covers claims of unpaid overtime, missed breaks, minimum wage violations, misclassification of employees as independent contractors, and other wage-related disputes.
Third-Party Claims
Covers claims of harassment or discrimination made by non-employees — customers, vendors, contractors, or clients — who allege mistreatment by your staff during business interactions.
Failure to Hire or Promote
Covers claims from job applicants who allege they were denied employment — or from current employees who claim they were passed over for promotion — due to discriminatory reasons.
Legal Defense Costs
EPLI covers attorney fees, court costs, expert witness expenses, and settlement or judgment costs — regardless of whether the claim has merit. Defense begins the moment a claim is filed.
Let's build your EPLI policy.
We assess your workforce size, industry, HR practices, and risk exposure to find the right coverage.
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