The Western Reserve Group offers a comprehensive and competitively priced portfolio of personal, farm, and commercial insurance products. The products are backed by experienced employees dedicated to providing the best possible products and service to agents and policyholders.

Employment Practices Liability (EPL) Insurance for Small Business

Employment Practices Liability (EPL) insurance protects employers from claims made by employees alleging wrongful termination, discrimination or harassment, including sexual harassment. EPL coverage pays for liability damages and defense costs due to claims brought by full-time, part-time, temporary, and seasonal employees. 

Our EPL coverage is offered as a standalone policy in conjunction with a BOP or General Liability policy, it’s the first truly affordable way to protect small business from losses that on average run from $22,400 to $40,500. The cost of an employment charge can damage a small business’ financial health or even threaten it altogether. That’s why EPL coverage is essential to every small business.

In addition to broad coverage, experienced EPL claim specialists are part of our program.  Plus, employers who need legal representation have access to specialized employment attorneys. We also offer a loss prevention website with model employment policies and procedures, information about laws, and advice to help employers prevent or minimize employee complaints. 

There are numerous federal and state laws under which employees may bring actions against their employers for allegations such as sexual harassment, discrimination, and wrongful termination. Employees are aware of these laws and show a greater inclination to pursue legal rights and remedies. This, coupled with a sense of entitlement, has bred an atmosphere where employers are often forced to spend significant dollars for legal defense to prove an employee’s groundless allegations are false. 

Now, our policyholders with small and mid-sized businesses can be protected against employment-related charges and lawsuits filed by employees – a growing and very costly problem for small employers.