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Learn More About HR Risk and EPLI on Our Blog
Want real-world insights on how Texas businesses are being affected by EPLI claims? Check out our blog for helpful guidance on HR best practices, insurance trends, and prevention strategies that can reduce your exposure.
What Does EPLI Insurance Actually Cover?
Employment Practices Liability Insurance (EPLI) protects your business against employee lawsuits alleging harassment, discrimination, wrongful termination, and other employment-related violations. These claims can come from past, present, or even prospective employees — and without EPLI, legal costs alone could bankrupt a small to midsize business.
Whether you’re just starting to hire or manage a full team, EPLI should be part of your risk management strategy.
Why More Texas Employers Are Investing in EPLI
Employee lawsuits are on the rise, and no business — regardless of size — is immune. While larger corporations often have in-house legal teams, small businesses are more financially vulnerable to settlements, defense costs, and reputational damage.
Common claims include:
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Sexual harassment
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Discrimination (race, gender, age, etc.)
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Wrongful termination
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Retaliation
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Defamation or emotional distress
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Breach of contract or failure to promote
In Texas, even the accusation of wrongdoing can cost your company tens of thousands in legal fees.
Standalone Policy or BOP Endorsement?
Many insurers now offer EPLI as either a standalone policy or as an add-on to a Business Owners Policy (BOP). The right setup depends on your business structure, employee count, industry, and past claims history.
We’ll help you compare the options and build the right fit — whether you're a growing startup or a long-established local employer.
How Much Does EPLI Insurance Cost in Texas?
EPLI premiums are based on factors like:
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Number of employees
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Claims history
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Industry risk profile
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HR practices and documentation
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Type of coverage (BOP endorsement vs standalone)
Miller & Miller Insurance Agency works with multiple carriers to find competitive rates for businesses across Texas — especially those in higher-risk sectors like healthcare, retail, food service, and tech.
What EPLI Policies Typically Exclude
EPLI won’t cover:
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Civil or criminal fines
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Workers’ compensation claims
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Wage and hour violations (unless added by endorsement)
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Punitive damages (in most cases)
It’s important to know where your coverage starts and stops — and to have your HR and hiring practices documented clearly to reduce your risk.
How to Reduce Your Risk of Employee Lawsuits
Good EPLI coverage starts with great internal processes. We recommend:
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Clear, documented HR policies and employee handbooks
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Training programs on harassment, discrimination, and discipline
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Defined complaint reporting procedures
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Consistent employee evaluations and documentation
Our team can review your current coverage and help identify risk gaps you may not know you have.
CONTACT US
Request an EPLI Insurance Quote Today
If you have employees in Texas, EPLI isn’t optional — it’s essential. Call our office to speak with an agent, or visit our Quotes page to start your request online. We’ll explain your options clearly and make the process easy from start to finish.
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