Core Employment Allegations
Wrongful termination, discrimination, harassment, retaliation, failure to promote, and other covered workplace allegations.
Employment Practices Liability
California employment claims need more than a workers' comp policy.
EPLI helps address covered employment practices allegations such as wrongful termination, harassment, discrimination, retaliation, and certain third-party claims. Bollinsure reviews policy wording, defense costs, wage and hour limitations, and HR controls with California employers.
Why EPLI matters
Employment claims are a commercial risk even for small teams.
Any business with hiring, firing, schedules, managers, payroll, employee complaints, remote workers, or client-facing staff can face employment practices allegations. The policy details decide how much help the coverage actually provides.
Defense Cost Structure
Review whether defense is inside or outside limits, what counsel rules apply, and how retentions change by claim type.
Wage and Hour Limitations
Many policies exclude wage and hour claims or provide limited defense sublimits. This is especially important for California employers.
Third-Party Claims
Some policies can address covered claims from customers, vendors, or other third parties alleging harassment or discrimination.
HR Controls
Handbooks, harassment training, complaint procedures, and manager documentation can affect underwriting and claim defensibility.
Standalone or Package
EPLI may be quoted standalone, added to a management liability package, or connected to specialty workflows like BestEPLI.
Coverage review
Do not judge EPLI by the certificate alone.
A certificate may show a limit, but the important wording sits inside the form. We review how the policy treats wage and hour, defense, prior acts, third-party claims, and exclusions.
Map employee count and locations. Payroll, state exposure, remote workers, and management structure shape underwriting.
Review HR documentation. Handbooks, training, complaint processes, and terminations affect both underwriting and claims.
Compare policy wording. We look at retentions, defense provisions, exclusions, and wage and hour language before price.
Related employer coverages
EPLI is part of the employer risk stack.
California employers often need EPLI alongside workers' comp, general liability, cyber, group health, and commercial umbrella coverage.
FAQ
California EPLI questions.
What does EPLI cover?
EPLI may respond to covered allegations such as wrongful termination, harassment, discrimination, retaliation, failure to promote, and certain third-party employment practices claims. Forms vary by carrier.
Does EPLI cover wage and hour claims?
Many EPLI policies exclude wage and hour claims or provide a limited defense-only sublimit. California employers should review this wording carefully.
Is EPLI included in workers' comp?
No. Workers' comp addresses employee injury and occupational illness. EPLI addresses covered employment practices allegations.
Can small employers buy EPLI?
Yes. Small employers can often buy EPLI, though eligibility, retentions, limits, and pricing depend on employee count, industry, HR controls, claim history, and state exposure.
Need to understand EPLI before renewal?
Send your current policy or application. We will help compare the wording that matters most for a California employer.