Many business owners assume their insurance covers employee lawsuits—but that’s not always the case.
Employers Liability Insurance is designed to protect your business from claims related to workplace injuries that fall outside of workers’ compensation.
But here’s where it gets misunderstood…
Claims like wrongful termination, discrimination, or harassment are typically covered under Employment Practices Liability Insurance (EPLI)—not Employers Liability.
Just as important as having the right coverage is having the right policies and procedures in place to prevent claims in the first place.
That means:
Clear employee handbooks
Consistent hiring and termination practices
Proper documentation
Ongoing management training
The goal isn’t just to have insurance—it’s to avoid needing it.
Need help? Reach out, and I’ll help you review your options and avoid costly mistakes.
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Brian Gleize 636-456-8633 bgleize@scottageny.net
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