Employment Practices Liability Insurance

EPLI offers valuable protection to small business owners.

Small business owners are vulnerable to wrongful employment practices claims. Now you can protect them, their people, and their businesses.

In today’s workplace, small business owners must protect themselves from wrongful employment claims brought by employees, independent contractors, or even volunteers. Furthermore, owners can be even held liable for acts committed by their employees against their customers. Defense costs and settlements associated with wrongful employment practices lawsuits can seriously threaten the financial stability of a business.

Why should small businesses obtain EPLI insurance?

Canadian SMEs struggle to acquire and retain talent amid lack of dedicated HR support
Harassment, incivility, and inappropriate behaviour are consistently pervasive in the workspace
Employment-related allegations are concerning, as claims and legal costs rise
Claims litigation costs are increasing, as courts are increasingly awarding additional payments worth up 24 months of salary

90% of Canadian employees say they consistently experience some form of incivility at work
4 in 10 Small Canadian businesses are concerned about legal action brought by their staff
75% of Canadian employees who had experienced harassment, sexual harassment or violence have reported the most recent incident

Watch the video to learn more about EPLI coverage.

Why HSB for EPLI?

EPLI Expertise

15 years of EPLI product experience at HSB U.S.

EPLI Risk Management Tools

Legal Advice Line

SME Focus

White-labeled coverage specially for Canadian SME needs

Trusted Partner

We understand the value of partnership and are able to create tailored solutions

What are the coverages for EPLI?

HSB’s EPLI covers 12 wrongful employment practices

Wrongful dismissal, discharge, or termination
Harassment
Discrimination
Retaliation
Libel, slander, misrepresentation
Humiliation, emotional distress, invasion of privacy
Wrongful discipline
Failure to provide adequate relevant corporate policies
Wrongful failure to employ or promote
Wrongful deprivation of career opportunity
Negligent supervision
Violation of human or civil rights relating to any of the above 11 employment practices

HSB’s EPLI also covers Third-Party violations

Violation of a person (s) human or civil rights
Humiliation
Libel
Mental anguish
Slander
Infliction of emotional distress
Retaliation
Defamation
Invasion of privacy
Unwelcome sexual advances

Who can bring forth the claims covered by HSB’s EPLI?

Employees: 

Full-time
Part-time
Leased
Temporary
Seasonal

Other

Applicants
Volunteers
Independent Contractors

Any third party:

Customers
Vendors
Clients
Tenants

Three ways to protect a business from these claims

Train managers and employees in applicable laws and policies

Follow changes and updates in laws and employment regulations

Cover the business with Employment Practices Liability insurance (EPLI)

With employment-related claims on the rise, small businesses may be particularly vulnerable because they don’t have the resources to protect themselves. EPLI coverage from HSB provides small business owners with comprehensive coverage at affordable premiums, providing valuable protection from the exposures they face.