Employment Practices Liability Insurance for Businesses Across the Southeast
Protecting companies in Georgia, Florida, Alabama, Tennessee, Texas, North Carolina, and South Carolina
Employees are essential to any organization’s success, but they also introduce significant legal exposure. Current and former employees, as well as job candidates, can bring claims alleging violations of employment rights. These claims frequently result in costly lawsuits, settlements, and reputational harm.
Employment Practices Liability Insurance (EPLI) helps protect organizations from the legal defense costs, settlements, and judgments associated with employment-related claims.
Understanding labor risks, customer vehicle liability, and on-site safety challenges.
Policies structured to reduce gaps and control risk.
Dedicated support to protect you during claims.
What EPLI Covers :
Including sexual harassment and hostile work environment claims.
Claims alleging unfair treatment based on protected classes under federal, state, and local laws.
Allegations related to improper dismissal of employees.
Claims arising from hiring or advancement decisions.
Alleged violations of written or implied employment agreements.
Claims resulting from adverse actions following protected employee activity.
Understanding First – We learn your operations and financial structure. Design & Placement – Policies structured accurately to avoid audit surprises. Ongoing Support – Managing estimates, classification updates, and renewal audits.
Reviewing workforce structure, HR practices, and prior claims history.
Structuring EPLI limits, retentions, and endorsements aligned with your risk profile
Claims coordination, policy updates, and proactive renewal strategy.
Why Businesses Choose T. Hudson Risk Advisors:
EPLI FAQ :
A: EPLI is not legally required, but it is strongly recommended for any business with employees.
A: EPLI generally covers alleged acts; intentional wrongdoing may be excluded after final adjudication.
A: Workforce size, industry, HR practices, claims history, and policy limits.
A: Many policies can include coverage for claims brought by customers or vendors, by endorsement.
