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Employment Practices Liability Insurance (EPLI) in Connecticut

Employment Practices Liability Insurance (EPLI) helps Connecticut businesses protect against employee lawsuits involving wrongful termination, discrimination, harassment, and retaliation. Even small businesses face costly claims—making EPLI coverage an essential part of your business insurance strategy.

Protect Your Business from Costly Employee Lawsuits

Running a business means managing people—and that comes with risk. Even the most well-intentioned employers can face claims related to wrongful termination, discrimination, harassment, or retaliation. Employment Practices Liability Insurance (EPLI) helps protect your business from the financial impact of these claims, covering legal defense costs, settlements, and judgments.

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At Insure Connecticut LLC, we help businesses across Connecticut and beyond secure EPLI coverage tailored to their workforce, industry, and risk exposure.

Employee Lawsuits with EPLI Insurance

What Is Employment Practices Liability Insurance (EPLI)?

Employment Practices Liability Insurance is a type of business insurance that protects employers against claims made by employees (past, present, or prospective) alleging violations of their legal rights. These claims are more common than many business owners expect—and they can be extremely expensive to defend, even if your business did nothing wrong.

What Does EPLI Cover?

A comprehensive EPLI policy typically covers claims related to:

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  • Wrongful termination

  • Workplace discrimination (race, gender, age, disability, etc.)

  • Sexual harassment

  • Retaliation

  • Failure to promote

  • Breach of employment contract

  • Mismanagement of employee benefits

 

Most policies also cover:

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  • Legal defense costs (which can exceed $100,000 alone)

  • Settlements and court judgments

  • Claims from former employees and job applicants

Why EPLI Is Important for Connecticut Businesses

Employment laws are constantly evolving—and Connecticut has strict employee protection laws that increase employer exposure.

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Even small businesses are at risk:

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  • A single claim can cost tens or hundreds of thousands of dollars

  • Legal defense costs apply even if you win the case

  • Claims are rising, especially in areas like harassment and discrimination

 

If you have employees, you have exposure.

Who Needs EPLI Coverage?

EPLI is essential for businesses of all sizes, especially:

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  • Small and mid-sized businesses

  • Companies with multiple employees

  • Businesses experiencing growth or turnover

  • Employers without a formal HR department

  • Any business concerned about compliance with labor laws

 

Industries with higher exposure include:

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  • Healthcare

  • Retail & hospitality

  • Construction

  • Professional services

  • Nonprofits

What EPLI Does NOT Cover

Like most policies, EPLI has exclusions. It typically does not cover:

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  • Criminal acts

  • Intentional illegal conduct

  • Wage and hour violations (unless added by endorsement)

  • Workers’ compensation claims (covered separately)

 

Understanding these gaps is critical—this is where working with an experienced insurance broker makes a difference.

How Much Does EPLI Insurance Cost?

The cost of EPLI insurance depends on several factors:

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  • Number of employees

  • Industry risk level

  • Claims history

  • HR policies and procedures

  • Employee turnover rate

 

For many small businesses, EPLI coverage can be surprisingly affordable—especially compared to the potential cost of a lawsuit.

EPLI as a Standalone Policy or Part of a BOP

EPLI coverage can be purchased:

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If you already have a BOP, we can help you enhance your coverage with EPLI protection.

Why Choose Insure Connecticut LLC?

As an independent insurance broker, we:

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  • Compare multiple top-rated insurance carriers

  • Customize EPLI coverage based on your business risks

  • Help identify gaps in your current policies

  • Provide ongoing support as your business grows

 

We don’t just sell policies—we help you protect your business long-term.

Get a Free EPLI Insurance Quote Today

Don’t wait until a claim happens. Protect your business, your finances, and your reputation with the right coverage.

 

Request a free EPLI quote today
Or call us at (860) 970-0977 to speak with an expert

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