Employment Practices Liability Insurance (EPLI)
Employment Practices Liability Insurance protects restaurants from claims made by employees (or former employees) related to workplace practices. This coverage helps safeguard the business against costly legal actions that can arise from the hiring, management, and termination process—areas where even unintentional missteps can result in lawsuits.
What We Offer
Workplace-Related Claims Protection
EPLI covers allegations such as wrongful termination, discrimination (based on race, gender, age, or other protected classes), sexual harassment, retaliation, and failure to promote. These claims can come from current employees, former staff, or even job applicants.
Legal Defense & Settlements
EPLI helps cover the costs associated with defending against employment-related claims, including attorney fees, court costs, and potential settlements or judgments, even if the business is not found liable.
Coverage for Management Actions
The policy typically includes coverage for actions taken by owners, managers, or supervisors while managing staff. This ensures that the brewery is protected against claims tied to performance reviews, disciplinary actions, or policy enforcement.
Third-Party Coverage Option
Some EPLI policies also offer optional protection against claims made by non-employees—such as customers or vendors—who allege harassment or discrimination by your employees.
Risk Management Support
Many EPLI providers offer tools, training, and legal resources to help prevent claims in the first place. These can be especially valuable for small businesses that may not have an internal HR department.
