Today’s Litigious Workplace

Requires Responsive Insurance

Employment Practices Liability Insurance for Your Business

A sound HR strategy is required best practices for businesses in today’s workplace landscape, where firms increasingly face employment-related claims. Businesses continue to face exposures from discrimination to harassment, wrongful termination, wage-and-hour disputes, retaliation claims, and other accusations. New issues have also come to the forefront, including pay transparency and equity, diversity, AI integration and discrimination, and pregnancy discrimination with the passing of the Pregnant Workers Fairness Act.

Businesses require the safety net of Employment Practices Liability insurance (EPLI) to help cover the cost when a claim occurs. Olson Duncan can design a policy specifically for your operation.

Inside An EPLI Policy

EPLI protects an employer against claims made by employees, former employees, or potential employees. It covers discrimination (age, sex, race, disability, etc.), wrongful termination of employment, sexual harassment, and other employment-related allegations. These types of claims are not covered under a General Liability insurance policy.

In addition, different types of EPLI policies are available, so it’s important to be aware of the differences. The kind of EPLI policy you have will affect the scope of coverage provided. Our staff will review the type of policy we recommend for your business.

Why Is EPLI Coverage So Important?

Statistics show businesses are more likely to face EPLI claims than property or general liability claims.

The EEOC filed 143 employment discrimination cases in 2023, representing a 50% increase over 2022.
The average cost of settling out of court for an employment claim is $75,000.
The average jury award for an employment-related case is $217,000.
The average duration of an employment claim spans more than 300 days.

A Risk-Based Approach

Olson Duncan makes available to you a total HR solution from our carrier and consulting partners to stay up-to-date on employment law, understand which laws (federal and state) apply to your organization, institute policies and take other steps that can limit potential claims, and make actual claims easier and less costly to defend. These risk-mitigation measures include having clearly defined recruiting and hiring practices with thoroughly written, updated job descriptions, interview guidelines, lawful background checks, and strong company policies on discrimination and harassment outlined in a regularly reviewed employee handbook.

Our Value

At Olson Duncan, we aim to provide clients a total solution, not simply a quote or an insurance policy. With us, you get real value and a long-term relationship based on trust. We would love to get to know you and answer any questions.
To learn more about how we can help you, please call our team at

(310) 373-6441