You hired the right team. You followed your process. You thought you did everything correctly. And then you received a letter: wrongful termination lawsuit. It happens to businesses of every size, in every industry — and the cost of defending even a meritless EPLI claim averages over $160,000. Employment practices liability insurance covers the cost of defending and settling claims that arise from the employment relationship.
What Does EPLI Cover?
- Wrongful termination claims by former employees
- Sexual harassment allegations from employees, supervisors, or clients
- Discrimination claims based on race, sex, age, disability, religion, or national origin
- Retaliation claims following employee complaints or whistleblowing
- Failure to promote or advancement discrimination claims
- Breach of employment contract and misrepresentation
- Defamation in the context of employment decisions
- Third-party EPLI — harassment claims involving clients, vendors, or customers
Florida Is an At-Will State, But You Are Still at Risk
Florida’s at-will employment law means you can terminate employees for almost any reason — but not any reason. Firing someone who recently complained about discrimination, who just filed a workers comp claim, or who belongs to a protected class creates legal exposure even when the termination had nothing to do with those factors. EPLI covers the cost of defending that allegation from the first call to your attorney.
EPLI Is Not Just for Big Companies
Small businesses are actually more vulnerable to employment claims in some ways — they have fewer dedicated HR resources, less formal documentation of performance issues, and less legal support when a situation escalates. A 10-person company with a dispute costs the same to litigate as one with 500 employees. EPLI coverage typically includes access to employment law resources and HR hotlines that help small businesses avoid claims before they happen, not just respond after the fact.
Get EPLI Coverage in Orlando, Florida
Insure USA, Inc. is an independent agency serving Orlando and all of Florida. We compare EPLI coverage options from multiple top-rated carriers. Call (321) 235-7377 or request a free quote online.