--- title: Why does my company need Employment Practices Liability Insurance? description: Why does my company need Employment Practices Liability Insurance? image: https://www.gocgo.com/hubfs/Licensed_Stock_Photos/Cyber%20Liability%20Company.jpg --- [630.810.9100](tel:630.810.9100) --> [HRIS LOG IN](https://www.entertimeonline.com) [CGO on the Go](https://portalv02.csr24.com/mvc/723837312) [![CGO_logo_wService_tagline_v1_24x01547_use_this-2](https://www.gocgo.com/hs-fs/hubfs/CGO_logo_wService_tagline_v1_24x01547_use_this-2.png?width=563&height=250&name=CGO_logo_wService_tagline_v1_24x01547_use_this-2.png "CGO_logo_wService_tagline_v1_24x01547_use_this-2")](https://www.gocgo.com/) [![Connor & Gallagher](https://www.gocgo.com/hs-fs/hubfs/Connor-Gallagher-2016/Image/sticky-logo.png?width=30&name=sticky-logo.png "Connor & Gallagher")](https://www.gocgo.com/) [REQUEST A QUOTE](https://www.gocgo.com/contact#tab1) [REQUEST A QUOTE](https://www.gocgo.com/contact#tab1) [HRIS LOG IN](https://www.entertimeonline.com) [630.810.9100](tel:630.810.9100) # Why does my company need Employment Practices Liability Insurance? [Back to Blog](https://www.gocgo.com/blog) - Share Article - [![](https://www.gocgo.com/hubfs/Connor-Gallagher-2016/Image/footer-fbicon.png)](https://www.facebook.com/sharer/sharer.php?u=https://www.gocgo.com/blog/why-does-my-company-need-employment-practices-liability-insurance/&title=Why%20does%20my%20company%20need%20Employment%20Practices%20Liability%20Insurance?&picture=https://cdn2.hubspot.net/hubfs/2149858/Licensed_Stock_Photos/Cyber%20Liability%20Company.jpg&description=Why%20does%20my%20company%20need%20Employment%20Practices%20Liability%20Insurance) - [![](https://www.gocgo.com/hubfs/Connor-Gallagher-2016/Image/footer-twittericon.png)](https://twitter.com/intent/tweet?source=https://www.gocgo.com/blog/why-does-my-company-need-employment-practices-liability-insurance/&text=Why%20does%20my%20company%20need%20Employment%20Practices%20Liability%20Insurance?%20https://www.gocgo.com/blog/why-does-my-company-need-employment-practices-liability-insurance/%20via%20@go_cgo) - [![](https://www.gocgo.com/hubfs/Connor-Gallagher-2016/Image/footer-linkedicon.png)](http://www.linkedin.com/shareArticle?mini=true&url=https://www.gocgo.com/blog/why-does-my-company-need-employment-practices-liability-insurance/&title=Why%20does%20my%20company%20need%20Employment%20Practices%20Liability%20Insurance?&summary=Why%20does%20my%20company%20need%20Employment%20Practices%20Liability%20Insurance) - [![](https://www.gocgo.com/hubfs/Connor-Gallagher-2016/Image/share-mailicon.jpg)](mailto:?Subject=Check%20out%20the%20blog%20post%20from%20Connor%20%26%20Gallagher&Body=I%20enjoyed%20this%20article%20from%20Connor%20%26%20Gallagher%20and%20know%20you%20will%20too!%20https://www.gocgo.com/blog/why-does-my-company-need-employment-practices-liability-insurance/) Answering the question above is pretty straight forward. If you have employees then you need employment practices liability coverage (EPL). EPL Insurance covers claims by employees, past employees and potential employees alleging that he or she was terminated due to discrimination (Age, Race, Gender, Disability, etc). Wrongful termination claims with regards to discrimination have increased dramatically over the past couple of years, and many employers think they are covered under their commercial general liability policy. Almost all general liability polices exclude employment practices liability claims, creating a gap in coverage. With out having the correct coverage in place the employer will be responsible for the financial burden of defending itself and damages to be paid. As mentioned above EPL policies extend to not only former/current employees but potential employees as well. *For example; A potential employee leaves an interview and finds out they were not hired. That potential employee decides to sue the employer on the grounds that he/she was not hired due to their age.* In this example the EPL coverage would kick in and the company would be protected. Even if the alleged claim couldn’t be farther from the truth the employer still has to defend itself, which can be costly. Premium(s) for EPL insurance depend on the size of your company, industry, and the controls in place to prevent EPL claims. [ Previous Post ](https://www.gocgo.com/blog/how-will-new-ncci-experience-modification-calculation-affect-you/) [ Next Post](https://www.gocgo.com/blog/commercial-property-investor-insurance) ![](https://www.gocgo.com/hubfs/Licensed_Stock_Photos/Cyber%20Liability%20Company.jpg) ### Enter Your Email to Receive a New Blog Post Every Thursday ![Connor & Gallagher Logo](https://www.gocgo.com/hs-fs/hubfs/Connor-Gallagher-2016/Image/Connor-%26-Gallagher-Logo.png?width=152&name=Connor-%26-Gallagher-Logo.png "Connor & Gallagher Logo") 750 Warrenville Rd, Suite 400 Lisle, IL 60532 Phone [630.810.9100](tel:630.810.9100) Fax [630.810.0100](tel:630.810.0100) Certificate of Insurance Requests Email: [certs@GoCGO.com](mailto:certs@gocgo.com) Home & Auto Insurance Inquiries Email: [homeandauto@GoCGO.com](mailto:homeandauto@gocgo.com)   General Questions Email: [info@GoCGO.com](mailto:info@gocgo.com)   [Tax Information](https://www.gocgo.com/important-health-coverage-tax-documents) ###### [Careers](https://www.gocgo.com/careers) [partner directory](https://www.gocgo.com/partners) - [![facebook](https://www.gocgo.com/hubfs/Connor-Gallagher-2016/Image/footer-fbicon.png)](https://www.facebook.com/gocgo) - [![Twitter](https://www.gocgo.com/hubfs/Connor-Gallagher-2016/Image/footer-twittericon.png)](https://twitter.com/Go_CGO) - [![LinkedIn](https://www.gocgo.com/hubfs/Connor-Gallagher-2016/Image/footer-linkedicon.png)](https://www.linkedin.com/company/connor-%26-gallagher-onesource) [![Broker Check](https://www.gocgo.com/hs-fs/hubfs/Connor-Gallagher-2016/Image/broker-check-logo.png?width=120&name=broker-check-logo.png "Broker Check")](http://brokercheck.finra.org/) ### SUBSCRIBE TO OUR BLOG ![BPTW_2016, 24](https://www.gocgo.com/hs-fs/hubfs/BPTW_2016%2c%2024.png?width=2000&height=803&name=BPTW_2016%2c%2024.png "BPTW_2016, 24") ![IIA-AgencyoftheYear Award Logo 500px](https://www.gocgo.com/hubfs/IIA-AgencyoftheYear%20Award%20Logo%20500px.png "IIA-AgencyoftheYear Award Logo 500px") ![2025 shrm-recertification-provider](https://www.gocgo.com/hs-fs/hubfs/2025%20shrm-recertification-provider.png?width=150&height=150&name=2025%20shrm-recertification-provider.png "2025 shrm-recertification-provider") Connor & Gallagher OneSource (CGO) is recognized by SHRM to offer Professional Development Credits (PDCs) for SHRM-CP® or SHRM-SCP® recertification activities. ©2017 Connor Gallagher OneSource. All rights reserved. [Terms](https://www.gocgo.com/terms-conditions) | [Privacy Policy](https://www.gocgo.com/privacy-policy) *Securities offered through LPL Financial, Member [FINRA ](https://urldefense.com/v3/__http:/www.finra.org/__;!!Cz2fjcuE!hHSH8MVILMppb6KCZhR0KSJ2KsYMY6T0lN4TCTu05zUYTge3jrKQVS4iU909W9RCXnvk8b4a6EoHmy9g5o8P2VGslqm3lg$)& [SIPC](https://urldefense.com/v3/__http:/www.sipc.org/__;!!Cz2fjcuE!hHSH8MVILMppb6KCZhR0KSJ2KsYMY6T0lN4TCTu05zUYTge3jrKQVS4iU909W9RCXnvk8b4a6EoHmy9g5o8P2VHUQJKH-A$).  Investment advisory services offered through Global Retirement Partners, LLC dba Connor & Gallagher OneSource, an SEC registered investment advisor.  Connor & Gallagher OneSource and Connor & Gallagher Benefit Services are separate entities from LPL Financial. The information on this website is not intended to be exhaustive nor should any discussions or opinions be construed as legal advice - it is intended for educational and/or informational purposes only. ```json { "@context" : "https://schema.org", "@type" : "BlogPosting", "author" : { "@type" : "Person", "name" : "Dan Gallagher", "url" : "https://www.gocgo.com/blog/author/dan-gallagher" }, "datePublished" : "2017-02-02T16:57:49.000Z", "headline" : "Why does my company need Employment Practices Liability Insurance?", "image" : [ "https://www.gocgo.com/hubfs/Licensed_Stock_Photos/Cyber%20Liability%20Company.jpg" ], "mainEntityOfPage" : { "@id" : "https://www.gocgo.com/blog/why-does-my-company-need-employment-practices-liability-insurance/", "@type" : "WebPage" }, "publisher" : { "@type" : "Organization", "logo" : { "@type" : "ImageObject", "url" : "https://www.gocgo.com/hubfs/CGO_logo_wService_tagline_v1_24x01547_240x120.jpg" }, "name" : "Connor & Gallagher OneSource" } } ```