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Employment practices liability insurance (EPLI)

Did you know many organizations are hit with discrimination, harassment and wrongful termination lawsuits by their own employees? Did you know small businesses are especially vulnerable? Protect yourself from expensive lawsuits by adding employment practices liability insurance (EPLI) coverage to your workers' compensation policy.



  • Avoid mistakes that can trigger expensive charges
  • Develop policies to protect yourself against lawsuits using model policies
  • Rely on claims specialists skilled in complicated employment charges
  • Get legal advice and learn best practices


States covered

Coverage is available if you are headquartered in Minnesota, Wisconsin, Iowa, Nebraska or South Dakota.

Base coverage includes

  • $100,000 limit
  • $5,000 deductible
  • Coverage for up to 250 employees
  • Protection for charges from full-time, part-time and seasonal employees

Additional coverage options are also available.

Services and resources

With EPLI coverage you'll have access to:

  • Claims specialists skilled in complex employment-related charges
  • Online resources to help you learn how to avoid mistakes that trigger charges
  • Legal advice from SFM's attorneys on best practices in employment-related issues.

Protect yourself from expensive lawsuits by adding EPLI coverage to your workers' compensation policy.

Adding EPLI coverage to your policy is easy

  • No application is required
  • Coverage is added as an endorsement to your SFM workers' comp policy


Learn more

Watch this video to learn why EPLI may be right for your organization

To add EPLI coverage to your workers' compensation policy, contact your independent insurance agent or call us at (800) 937-1181.