What does EPLI cover?

EPLI (Employment Practices Liability Insurance) covers claims by current employees, former employees, and applicants alleging wrongful termination, discrimination (race, age, gender, disability, religion), sexual harassment, hostile work environment, retaliation, wage and hour violations (in some forms), failure to promote, and negligent hiring or supervision. EPLI pays defense costs and judgments up to the policy limit.

Why is EPLI important for Florida employers?

Florida is a litigious state for employment claims. EEOC charges, Florida Commission on Human Relations complaints, and direct lawsuits against employers happen routinely. Defense costs alone for an employment claim regularly run $50,000 to $250,000 before any settlement or judgment. Most Florida small and mid-sized businesses cannot absorb these costs. EPLI handles the defense from claim notification through resolution.

How do I quote Florida EPLI?

Call 941-952-7991. Have your employee count, payroll, industry, prior employment claim history, and current HR policy summary (employee handbook, anti-harassment policy) ready. EPLI underwriters look closely at HR practices.

EPLI. Commercial Liability

Florida EPLI insurance,
for the modern employer.

Employment Practices Liability Insurance for Florida employers. EPLI covers wrongful termination claims, discrimination, sexual harassment, hostile work environment, retaliation, and other employment-related lawsuits. Florida employees, former employees, and applicants can all sue. EPLI pays defense costs and judgments. Hendrickson Insurance writes EPLI for Florida businesses across Sarasota, Bradenton, Tampa, St. Petersburg, Clearwater, Venice, and Lakewood Ranch.

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EPLI Covers

What employment claims actually look like.

Wrongful Termination

Claims that you fired someone for an illegal reason: retaliation, discrimination, or in violation of public policy. Even firings done correctly can produce expensive lawsuits.

Discrimination

Race, age, gender, religion, disability, national origin, pregnancy, sexual orientation. Federal Title VII, ADEA, ADA, plus Florida Civil Rights Act claims.

Sexual Harassment

Quid pro quo and hostile work environment claims. Coverage includes both supervisor harassment and coworker harassment claims with employer liability.

Retaliation

Adverse action against an employee for filing a claim, complaining about workplace conditions, or participating in an investigation. Often the easiest claim for plaintiffs to win.

Failure to Promote

Claims that you denied promotion or advancement opportunity based on a protected characteristic. Common in larger employers with formal promotion processes.

Third-Party EPLI

Optional coverage for claims by non-employees (customers, vendors) alleging discrimination or harassment by your employees. Important for retail, hospitality, and service businesses.

Coming Soon

Florida-specific EPLI guidance coming soon.

Expanded content covering Florida Commission on Human Relations claim handling, wage and hour endorsements, third-party coverage extensions, and EPLI underwriting checklist (employee handbook review, anti-harassment training, documentation practices) is coming. In the meantime, call 941-952-7991 for a quote.

Florida EPLI insurance,for the modern employer.

What employment claims actually look like.

Florida-specific EPLI guidance coming soon.

You may also need.

Florida EPLI insurance,
for the modern employer.