Employment Practices Liability Insurance (EPLI) for San Francisco, Bay Area Employers

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A Growing Area of Risk

In today’s workplace environment—especially across the Bay Area’s dynamic business community—claims related to wrongful termination, discrimination, harassment or retaliation are increasingly common. Employment practices liability insurance (EPLI) addresses these exposures and provides a crucial line of defense for San Jose-area employers.

What EPLI Covers

EPLI offers coverage for legal costs, settlements or judgments arising from claims by employees or former employees alleging misconduct in hiring, firing or employment management. It can also include claims from independent contractors or shareholders if appropriate endorsements are included. Because many smaller firms assume lower risk, they may overlook this coverage, but the costs of a claim in the Silicon Valley talent market can be significant.

How We Assist Employers

We assist by assessing your workforce size, HR processes and turnover patterns to determine EPLI needs. We also review carrier offerings to find the right structure for your team—especially for businesses without large HR departments. We support enrollment, documentation, and help ensure that your employment practices, policies and training reduce exposure over time.

EPLI FAQs

  • Do companies with fewer than 50 employees need EPLI?

    Yes—any employer with at least one employee is exposed to claims. A single lawsuit can have major impact.

  • Does EPLI cover wage and hour claims?

    Many policies exclude pure wage/hour issues unless endorsed; we review your options and advise accordingly.

  • How can we reduce the likelihood of EPLI claims?

    Strong HR policies, training sessions, incident documentation and prompt corrective action are essential steps—we can guide you through leading practices.

  • Is EPLI often bundled with other policies?

    Yes—EPLI is sometimes packaged with D&O or fiduciary liability for management liability programs.

Ensure Your Workplace Is Covered

If you’d like to evaluate your employment-practices exposure, we’d be happy to speak with you—let’s review how an EPLI program might fit your San Francisco, Bay Area organization.

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