Employment practices

Covers claims from employees or job applicants over how they were treated at work.

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What it covers

Covered

Every policy is different. Oscar walks you through the exact wording of yours.

01Wrongful termination
02Discrimination and harassment
03Retaliation
04Legal defense costs and settlements

What it doesn’t cover

Usually not covered

Workplace injuries (that’s workers’ comp)
Unpaid wages and overtime in most policies
Intentional illegal acts
Claims from customers, unless third-party coverage is added

Who needs it

Who it’s for

Any business with employees. California employment law is strict, and claims happen at small companies too.

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FAQ

Employment practices questions

I only have a few employees. Do I need EPLI?

It’s not required by law. But one claim can cost a small business a lot to defend, even when the business did nothing wrong.

Does it cover wage claims?

Usually not. Most EPLI policies exclude wage and hour claims, or cover only defense costs. Ask Oscar what yours does.

Related coverage

CoverageWorkers’ compPays medical bills and part of lost wages when an employee is hurt or gets sick because of their job.CoverageProfessional liabilityAlso called errors and omissions. Covers claims that your advice, service or work caused a client to lose money.CoverageSmall business packageBundles property and general liability into one policy, often with business income coverage, at one price.

Next step

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