Employment Practices Liability Insurance (EPLI)
Employment-related claims can be complex and costly. Even a single allegation can lead to significant defense expenses and potential damages. EPLI through Paychex helps you protect your business, your people, and your financial stability.
What Does Paychex EPLI Cover?
Comprehensive Coverage
Protection against a wide range of employment-related claims and workplace exposures.
Litigation Protection
Covers certain defense costs, legal fees, settlements, and damages from employment disputes.
Expert Guidance
Licensed agents assess your risk and help you find the right coverage for your business.
Competitive Rates
We partner with the nation’s top insurance carriers to get you affordable, high quality quotes.
Protection Against Common Employment Claims
EPLI insurance covers your business when current employees, former employees, or job applicants make allegations against you, including:
- Discrimination claims – Based on age, race, gender, disability, or other protected characteristics
- Harassment allegations – Including sexual and hostile work environment harassment
- Wrongful termination – Claims of unfair or illegal dismissal
- Retaliation claims – Allegations of retaliation against whistleblowers or complainants
Get Started in 3 Simple Steps
Get a Free Quote
Fill out our quick online form for a no-obligation quote tailored to your business needs.
Talk to a Licensed Agent
Our agents will assess your risk level, research policies from top carriers, and present the best options for your business.
Secure Your Policy
Review your options, select the right policy, and gain peace of mind knowing you're protected against employment-related claims.
Get EPLI Coverage With Your Professional Employer Organization (PEO) Package
Choose EPLI coverage as a standalone insurance policy, or if you're looking for more, EPLI coverage is automatically included when you enroll with Paychex PEO.
More Ways To Protect Your Business
Combine EPLI with other essential policies for better rates and more comprehensive coverage. Paychex Insurance Agency is your single source for property and casualty insurance, health and benefits, and benefits administration.
General Liability Insurance
Protect your business from common liability risks including customer injuries, property damage, and advertising injury claims that occur during normal operations.
Commercial Property Insurance
Guard your physical assets with tailored coverage for fire, theft, vandalism, and natural disasters.
Workers' Compensation Insurance
Required in most states, it covers medical costs and lost wages if employees are injured on the job.
Commercial Auto Insurance
Protect business vehicles, drivers, and your company from accident-related losses and liability when employees are on the road.
Commercial Umbrella Insurance
Add extra liability coverage beyond your standard policy limits for major claims.
Cyber Liability Insurance
Protect your business from the financial cost of data breaches and cyberattacks.
Errors and Omissions Insurance (E&O)
Coverage for claims of professional mistakes, negligence, or failure to deliver services as promised.
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Employment Practices Liability Insurance (EPLI) FAQs
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Is Employment Practices Liability Insurance the Same As Workers’ Compensation?
Is Employment Practices Liability Insurance the Same As Workers’ Compensation?
No, EPLI and workers' compensation cover different risks. EPLI protects your business against employment-related claims like discrimination, harassment, wrongful termination, and retaliation. Workers' compensation covers medical expenses and lost wages when employees are injured or become ill due to work-related incidents.
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Is Employment Practices Liability Insurance the Same As General Liability Insurance?
Is Employment Practices Liability Insurance the Same As General Liability Insurance?
No, these are distinct coverages. EPLI protects against employment-related claims such as discrimination, harassment, and wrongful termination from employees or job applicants. General liability insurance covers third-party claims for bodily injury, property damage, and advertising injury that occur during normal business operations.
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Do Small Businesses Need Employment Practices Liability Insurance?
Do Small Businesses Need Employment Practices Liability Insurance?
Small businesses should consider EPLI coverage. Employment practice disputes can affect any business, and even small businesses face risk from employee claims. A single lawsuit can cost tens of thousands of dollars in legal fees and settlements—expenses that can threaten a small business's financial stability. EPLI helps mitigate even a small business’ financial exposure.
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What Doesn’t Employment Practices Liability Insurance Cover?
What Doesn’t Employment Practices Liability Insurance Cover?
EPLI policies typically exclude:
- Fraud and criminal acts – Intentional illegal behavior by the employer
- Illegal profit – Gains obtained through unlawful means
- Criminal conduct – Acts that violate criminal law
- Mass layoffs – Claims related to business restructuring, downsizing, or reductions in force
Always review your specific policy to understand what is and isn't covered under your EPLI coverage.
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