EPLI (Employment Practices Liability Insurance)

Why does a company need an EPLI policy.  And why isn’t Part II of my Workers Compensation Policy (Employers Liability Insurance) enough to protect me and my company?

Intelligent questions with easy to understand answers:

EPLI coverage provides protection against claims of:

  • Discrimination
  • Harassment
  • Wrongful Termination
  • Failure to Hire or Promote
  • All Third Party Defense Costs for Employee Suits

Workers Compensation insurance does not!!

In the past several years, employers have become increasingly aware of their legal responsibility for an employee’s action. While an employee may be responsible for harassment or discrimination, it is the organization that will be held ultimately responsible.

Did you know:

  • Employment Practice Liability Insurance judgments, or EPLI judgment awards increased almost 3 fold at 275% in recent years.
  • Employment Practices Liability issues comprise 30% of all civil litigation in the U.S. Court.
  • Age discrimination liability suits are rising more than any other sector of EPL cases.
  • According to court verdicts, the employee is deemed right most of the time.
  • The Department of Labor cites that, employees and other plaintiffs won almost half or 41% of all jury decided trials and 26% of all non-jury trials.
  • Punitive damages being assessed 19% of the time.

The fact is sexual harassment, discrimination, and other employment related suits are on the rise – and they can bankrupt your company. According to national data from Jury Verdict Research®, for smaller companies that do not have Employment Practices Liability Insurance or maintain EPLI, the average cost to defend employment practices law suits are in excess of $100,000 for a single plaintiff and the average class action suits is over $3,000,000.

Therefore, EPLI has been a welcomed policy for companies looking to protect themselves against workplace-liability claims. SmithConnen believes in this coverage for all businesses in order to minimize the risk of severe business interruption or even the destruction of the company.


What Our Customers Are Saying


Vito Girardi, President - Gioia Cheese Company, Inc 

"I want to thank the people at SmithConnen for their assistance in strengthening Gioia's food safety program. They reviewed our previous HACCP plan and after finding serious omissions and inaccuracies, presented management with a new, comprehensive, up to date and easy to understand HACCP plan that helps ensure Gioia Cheese Company's compliance with local, state, and federal food safety regulations." 

"I welcome them as part of our team and look forward to an ongoing relationship as our company continues to grow, providing our customers with the highest quality products available." 

Ray Broguiere, President - Broguiere's Farm Fresh Dairy 

"We want you to know how pleased we are with the service you provided us. The upgrading of our HACCP program has been outstanding. We also appreciate you taking care of our Egg Nog formulation for us.  Your company's knowledge and expertise in both the food and commercial insurance industry has been valuable to us."

"We are pleased to maintain a working relationship with you. It has been a great benefit to our company." 



Maria de Lourdes "Lulu" Sobrino, Founder & CEO, Lulu's Dessert Corporation

"I want to thank SmithConnen for their invaluable assistance in helping our company improve its food safety program, production efficiency, and logistics planning. This unique multifaceted company, with its exceptional experience in food quality assurance, risk management and business insurance, has proven to be an important resource for Lulu's Dessert." 

"Frank Smith and Rene Connen worked closely with us in looking at options for future production and growth plans that utilize our resources more effectively and identifies new ways to grow our brand; all while helping us maintain our high food quality and safety standards. Beyond the role of advisors or coaches, they've become a part of our team, working tirelessly to ensure our success." 

"I highly recommend SmithConnen as a valued resource and partner. Their comprehensive approach to identifying and solving real or potential problems, plus their ability to educate and train our staff, has significantly improved Lulu's ability to raise the bar in virtually every aspect of its operations."