Employment Practices Liability (SME)

Growing awareness of individual employment rights and more stringent legislation provide employees with a platform to sue for wrongful employment practices, with ever-increasing success. This can result in dramatic losses of company assets. Employment practices liability (EPL) insurance programs cover the company, its management and employees against claims brought by the company's past, present and prospective employees alleging wrongful employment practices.


  • Third party liability coverage, including ADA access claims
  • Immigration defense coverage
  • Franchise endorsement for franchise risks
  • Wage and hour / FLSA violations defense coverage is available for certain classes
  • Each policy comes with free risk management Service – HR Pilot™

Best For

  • Franchisees, including restaurants, gas stations, convenience and grocery stores
  • Accountants
  • Architects, engineers and contractors
  • Manufacturers, machine shops and commercial printers
  • Non-franchised restaurants
  • Retailers and wholesalers / distributors

Summary of Coverage

Employment practices liability insurance (EPLI) provides protection for an employer against claims made by employees, former employees or prospective employees alleging, among other things: harassment, discrimination, wrongful termination, retaliation, negligent evaluation, failure to employ or promote, wrongful discipline, deprivation of career opportunity, negligent infliction of emotional distress, violations of FMLA and USERRA and other inappropriate employment conduct.

Our affinity / franchise program is a key differentiator in the EPL marketplace. This program is designed for businesses operating under a franchise agreement and/or affinity groups with similar business operations and exposures.

Why Tokio Marine HCC?

Tokio Marine HCC is a leading specialty insurance group with offices in the United States, Mexico, the United Kingdom and Europe, transacting business in approximately 180 countries and underwriting more than 100 classes of specialty insurance. Our products and capabilities set the standard for the industry, and many of our almost 3,000 employees are industry-leading experts. Each of our highly entrepreneurial businesses are equipped to underwrite special situations, companies and individuals, and acts autonomously to deliver effective solutions. 
financial strength

Our financial strength ensures our clients will always be protected.

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holistic portfolio

Our holistic portfolio of products includes more than 100 classes of specialty insurance

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tokio marine

Tokio Marine HCC is part of Tokio Marine, one of the largest P&C insurers in the world

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