EPL Coverage and Services
SFM's Employment Practices Liability coverage pays the defense costs, liability damages and punitive damages* involved in charges of employment practice violations.
* As allowed per state law
SFM's base EPL package is designed for small businesses
- Charges may be brought by full-time, part-time, temporary and seasonal employees.
- Base coverage includes a $100,000 limit and $5,000 deductible. See more options in the chart below.
- EPL coverage is added as an endorsement to your SFM workers' compensation policy.
- No application is required for most employers with 50 employees or fewer.
- Coverage is available to employers with up to 250 employees.
- Available for employers whose headquarters are in Minnesota, Wisconsin, South Dakota and Iowa.
SFM Employment Practices Liability coverage |
Coverage amount |
Liability limit
per policy year |
Deductible
per claim |
Base coverage |
$100,000 |
$5,000 |
Optional limits, deductibles |
$100,000 |
$10,000 |
$250,000 |
$10,000 |
$250,000 |
$25,000 |
$500,000
$1,000,000 |
Contact SFM |
Optional coverages |
Third-party liability
(customers, clients, vendors) |
| Extended reporting period |
Services and resources
Through SFM’s EPL coverage, the following employer resources are available:
- Expert claims management. Your case is managed by claims specialists skilled in complex employment-related charges.
- Expert risk management. Online services let you draw from model policies and learn how to avoid mistakes that can trigger costly employment practice charges.
- Expert legal advice. SFM's attorneys are available when you need them for advice on best practices in employment-related issues.
Let SFM quote your Employment Practices Liability coverage
For more information on coverage options or to obtain a quote, contact your independent insurance agent.
