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Protection against employment-related lawsuits

Protect clients against dynamic risks with Employment Practices Liability Insurance offered by Coalition

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Coverage for

the new breed of

employment risk

With the shift to remote work, new digital tools to connect teams, and more, even employment-related risks have been transformed. Accurately assessing and quoting this new breed of risk has presented a challenge to traditional insurers.

And with the average cost of $70,000* for a small business EPL claim, weathering the event without EPL insurance can be devastating.

Built with digital intelligence at its core, an Employment Practices Liability policy offered by Coalition can help you protect your clients.

*Coalition’s Executive Risks Report - survey of 1,000 senior executives at companies with 1-250 employees completed by Wakefield Research
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Amplify your clients’ protection

Employment Practices Liability Insurance from Coalition is a smart way to protect clients from fast-moving employment risks. EPL Insurance typically covers:

  • Accusations or incidents of wrongful termination, discrimination, harassment, negligence, and retaliation

  • Attorney fees, court costs (whether or not the business is found liable)

  • Settlements

Coalition offers coverage for private companies and not-for-profit organizations with up to 250 employees.

When EPL gets real

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A construction company agreed to pay $38,000 to settle a lawsuit alleging sex discrimination

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A jury awarded $200,000 to three former employees of a manufacturing company who alleged racial harassment and discrimination.

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A nonprofit serving veterans agreed to pay over $150,000 to settle an age discrimination lawsuit.

Empowering brokers to protect businesses

Coalition’s robust Active Insurance offering helps you work faster and deliver more value for your clients.

quote in minutes

Quote in minutes

Our proprietary Active Risk Platform builds a comprehensive risk profile for your client so you can deliver a bindable quote in minutes.

Strategic advisor

Be a strategic advisor

Coalition’s Executive Risks Assessment can assist you in clearly explaining your clients’ EPL exposures and being the expert partner they need.

Deliver added value

Deliver added value

Coalition offers valuable services, including mid-term notifications, accredited training, compliance tools, and more.

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The critical coverage your clients need

An EPL policy offered by Coalition lets you offer your clients comprehensive protection with key coverages.

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Defense outside the limits

Coverage for defense costs in excess of the limit, up to $1M.

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Wage and hour coverage

Defense costs for violations (overtime pay, failure to provide breaks, etc.) up to $250K.

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Immigration coverage

Defense costs for violations of the Immigration Reform Control Act of 1986 and similar laws, up to $100K.

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Workplace violence coverage

Offered by endorsement for most industries, up to $250K.

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Retention waiver

10% retention reduction for the 
first settlement opportunity.

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Settlement clause

Competitive 90/10 settlement clause.

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Give your clients proactive protection with Active Employment Practices Liability Insurance.