EPLI
Safeguarding your business with comprehensive EPLI coverage, ensuring peace of mind for property, guest safety, and legal protection, allowing you to focus on your core operations.
Unmatched EPLI expertise protecting you from specialized healthcare industry challenges.
With decades safeguarding employers against workplace claims, our seasoned EPLI advisors bring deep insight into employment practice exposures. We collaborate closely to develop tailored insurance solutions shielding against harassment, discrimination, and wrongful termination risks while proactively addressing evolving regulations. Our steadfast commitment provides ongoing guidance and protection for your business as workforce and operations expand.
Licensed professional liability specialists serve businesses from small consulting firms to major corporations requiring advanced EPLI policies. Through monitoring ever-evolving employment practice regulations, legal precedents, and workplace risk factors, we maintain a proactive understanding of emerging liability challenges. This expertise ensures comprehensive protection against discrimination claims, wage disputes, and harassment charges faced by today's employers.
Extending beyond basic policies with tailored solutions for high-risk sectors. Coverages span from discrimination and harassment to retaliation and wage violations, providing total safeguards against compliance lapses and allegations with zero vulnerabilities.
Hear from our customers
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Have been a client for almost 7 years. Kristina catches the phone on the first ring, makes me feel like I am the most important call of her day and always goes the extra mile to meet my needs or solve my problem. She is a keeper!!! She makes TWFG Khan Insurance Services better!!!!
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My Company CDS Protective Services LLC was in need of insurance and I was so frustrated that other companies had not getting back with me. I called Kristina on a late afternoon and had it all taken care of by the next morning. Kristina was knowledgeable and explained everything to me on the phone.
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Our company was in need of insurance and we were frustrated through other companies not getting back with us. I called Sameer on a late afternoon and had it all taken care of by 11:00 the next morning. He was knowledgeable and explained everything on the phone.
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TWFG Khan Insurance Services assisted our small family owned trucking company with commercial insurance in our first year of business. They were able to get us with the best company that would provide us a policy with the lowest rate. Not only that but their staff provides the most exceptional service, especially Chandler Bennett.
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Comprehensive professional protection, tailored to your industry's unique risks and compliance needs.
• Unwanted sexual advancesor contact, inappropriate remarks, and hostile work environments based on gender
• Offensive and demeaning commentsregarding race, religion, age, disability, or other protected characteristics
• Retaliation against whistleblowerswho report discriminatory behavior, unethical practices, or illegal activities
• Failure to accommodateemployees' religious beliefs, disabilities, or medical needs as required by law
• Discriminatory firings basedon age, gender, race, religion, disability, or other protected status
• Retaliation for whistleblowingor reporting unethical or illegal practices within the company
• Breach of employment contractsby terminating employees without proper cause or notice
• Violation of labor lawsby wrongfully dismissing workers for union activities or other protected rights
• Unequal treatment in hiring, promotions, compensation, or benefits based on protected characteristics
• Harassment or hostile work environmentdue to an employee's race, religion, age, or disability
• Failure to provide reasonable accommodationsfor employees with disabilities or religious beliefs
• Retaliation against workerswho report or oppose discriminatory practices in the workplace
• Misrepresentation in job advertisementsor during the recruitment and hiring process
• Violations of wage and hour laws, including unpaid overtime, minimum wage violations, and improper deductions
• Defamation or invasion of privacythrough background checks or unauthorized disclosures of personal information
• Breaches of employment contractsor misclassification of employees as independent contractors
On average, EPLI costs around $2,000 annually; however, individual premiums vary based on several factors:
Higher employee counts raise premiums, as increased turnover risks elevate EPLI exposure. Firms with inconsistent staffing face costlier coverage.
Robust anti-discrimination policies and regular compliance training correlate with lower rates. Inadequate efforts signal heightened liability risks.
Prior EPLI claims negatively impact pricing, as insurers view past incidents as indicators of future likelihood. Clean records garner preferential rates.
Multistate operations with varying employment laws increase complexity and premiums. Single-state professional firms present lower litigation exposure.
Certain sectors like finance or manufacturing with male-dominated cultures tend to incur higher EPLI costs compared to education or healthcare.
Frequently Asked Questions
Quick answers to questions you may have. Can’t find what you’re looking for? Contact us here.
EPLI covers claims by employees alleging discrimination, harassment, wrongful termination, retaliation, and other employment-related offenses. However, it typically excludes wage and hour claims. Coverage depends on policy details and jurisdiction. Review exclusions carefully. Maintain comprehensive policies and thorough documentation. Seek legal guidance for dealing with employee claims.
Many insurers require implementing formal HR policies and procedures to qualify for EPLI coverage. This may include anti-discrimination training, complaint reporting mechanisms, and compliant termination practices. Insurers often review these measures during underwriting. Regularly updating and enforcing policies helps minimize risks and maintain coverage eligibility.
Implementing strong HR practices is crucial for managing employment risks. This includes clear policies, comprehensive training, consistent enforcement, and documentation. An efficient complaint resolution process helps address issues early. Regular audits identify areas for improvement. Promoting a respectful workplace culture and seeking legal counsel when needed also mitigates risks.
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For over a decade, TWFG Khan Insurance Services has been the trusted partner for businesses across Texas and neighboring states. We specialize in complex insurance solutions for maritime, oil & gas, and construction industries where standard coverage isn't enough.
Don't let gaps in coverage put your business at risk. Our team of specialists will work with you to create a comprehensive protection plan that keeps your business secure and compliant.
Join the hundreds of businesses who trust us with their most critical insurance needs.
