A key role of our job is to do the boring insurance research for you so we can identify vulnerabilities and suggest practical coverage solutions. One such trend we’re seeing is an increased need for EPLI insurance.

Employment practices liability coverage (also called EPLI insurance) protects an employer should an employee, independent contractor, volunteer, etc. sue due to issues resulting from hiring, employment, and firing. Think of it as coverage for the workplace “-isms” such as sexism, ageism, racism, and ableism for employers.

Most often the biggest threat to an employer is the cost of defending a workplace lawsuit. An employment practices insurance claim can quickly devastate a healthcare practice if coverage isn’t in place. Whether the claim is meritorious or not, the costs associated with defending can be far more damaging than potential payouts.

The solution is an easy one – a separate employment practices insurance policy. Most standard medical malpractice insurance policies specifically exclude employment practices liability coverage claims, but EPLI for doctors, healthcare providers, and their practices is available.

EPLI insurance has historically been difficult to secure in this field, but new markets have recently emerged. This means that employment practices insurance is now available for more competitive pricing and with better terms.

We’ve thought about the insurance so you don’t have to. Now let us take care of you and your practice.