EPLI Insurance Massachusetts

Choice Insurance Agency

EPLI Insurance in Massachusetts

Offering customized insurance solutions in Massachusetts and beyond.

What is EPLI insurance?

Hiring employees presents some increased risks, as employees could file a discrimination or harassment lawsuit. To help protect Massachusetts employers against covered employment-related lawsuits, there’s EPLI insurance.

EPLI insurance can give employers critical protections against lawsuits related to employment practices. Policies normally help with settlements and legal fees for covered lawsuits.

What employers in Massachusetts need to carry employment practices liability insurance?

Employment practices liability insurance is something that most Massachusetts businesses employing workers should consider. Even businesses with just one or a few employees could need coverage. It takes just one employee to file a lawsuit, after all.

Sometimes it’s even wise to procure coverage when posting the first job opening at a business. While unlikely, candidates can also sue alleging discrimination. An EPLI policy might also cover candidate-filed lawsuits.

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Words from our Clients

Gained a customer for life.

Moved all my personal lines of insurance over to Choice. They found me a set of policies that saved me over $1000/year. Then, Julie took care of my commercial line, jumped through so many hoops and got me a policy for my business at an amazing rate.

Great people, great insurance, great advice, great price.

Kristoffer S., Google Review

Choice insurance has been providing insurance coverage to our commercial real estate business for over 7 years and the service has been tremendous. Peter has always responded quickly and with incredibly aggressive pricing; and with a perspective to assure that we are fully covered for all potential issues without unnecessary coverage and fees. There is such a comfort when working with Peter and his company that our best interest is their top priority.

Mike R., Google Review

I have been a happy customer of Choice Insurance for 12+ years. Peter and the team have been fantastic — always professional and knowledgeable about supporting my business insurance needs as well as our personal, home, car, and condo insurance needs. Peter has helped us with insurance questions related to buying and selling homes, a flood insurance claim, a tree that almost fell on our house and destroyed our fence, and a car accident. Recently, Peter noticed that our condo insurance (inherited from the prior owner) was severely inadequate. He helped us switch to a much better policy within less than a day. And, thank goodness he did. A couple weeks later, I smelled gas outside our home. It was a gas leak that National Grid fixed right away. But, I slept more soundly that night knowing that if the worst had happened, we would be fully covered thanks to Peter! I can’t recommend Choice enough!

Christine A., Google Review
This is our third policy with Peter, he’s awesome!! We started with a policy for a commercial space and added a home insurance and auto policy because of the quality of service that we received.
We highly recommend Choice Insurance Agency for competitive pricing and transparency. Want a great policy and customer service experience look no further.
M. Maxwell, Google Review

Peter and his team are thorough and have a strong sense of urgency for all matters pertaining to our account. Each time we reach out for assistance, our expectations are exceeded. I would recommend his team to anyone.

Chris C., Google Review

I switched to Choice 10 years ago and with 2 teenage drivers we interact frequently. Every time they have made the process quick and effortless. My family and I could not be more pleased.

Matthew P., Google Review
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What situations does employment practices liability insurance protect against?

Employment practices liability insurance may cover a variety of employment-related allegations. For example, a policy might give protection in situations such as the following:

  • Gender Wage Discrepancy: Women are overall paid less than men who have equal positions and qualifications.
  • Unpaid Internship: Interns weren’t paid for an internship that, per law, needed to be a paid position.
  • Age Discrimination: Older employees are forced out, through firing, laying off, or forced resignation, when there’s no mandatory retirement age for their positions.
  • Sexuality Discrimination: LGBTQ+ employees aren’t offered the same promotion and advancement opportunities as other workers who have similar qualifications.
  • Racial Discrimination: Minorities are frequently assigned tasks below their positions, which their white coworkers don’t have to do.
  • Interview Practices: Hiring managers ask prohibited questions about immigration status or pregnancy, or they fail to tell employees that background checks will be run.
  • Hostile Environment: Management practices permit, or even encourage, a generally hostile work environment.

Because protections can vary, it’s important to review a policy’s particular terms with an insurance agent who knows employment practices liability insurance well.

Would EPLI cover discrimination or harassment lawsuits that are filed by volunteers?

Nonprofit organizations that regularly use volunteers could be sued by a volunteer for many of the same reasons that employees might sue. Volunteers might claim they were denied opportunities for illegal reasons like age, race, gender, or sexual orientation. 

Some EPLI policies may cover claims made by volunteers, but not all do. Nonprofit organizations that want coverage for volunteer-filed suits should work with a knowledgeable agent. An agent who specializes in EPLI will likely be able to find suitable coverage.

EPLI Insurance Massachusetts

Would EPLi cover discrimination lawsuits filed by customers or vendors?

Businesses less often face discrimination lawsuits from customers or vendors, but it’s possible for a third-party such as these to sue. Because these lawsuits tend to be less common, coverage for third-party suits is likewise often less common. Businesses that want coverage for customer or vendor lawsuits may be able to find it by working with a knowledgeable agent, though.

Can workers compensation cover employee discrimination lawsuits?

Workers compensation insurance generally won’t cover discrimination lawsuits. Workers comp is, instead, primarily intended for bodily injuries or illnesses that are work-related. EPLI is tailored to address legal risks associated with employment practices.

What is the “retroactive date” detailed in an EPLI policy’s terms?

The retroactive date in an EPLI policy normally specifies the earliest point in time when an incident can occur and still be covered by the policy. This usually means that any discrimination or harassment occurring before the retroactive date wouldn’t be covered. Anything occurring on or after the date might be covered, provided it meets other coverage requirements.

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Where can employers in Massachusetts get good EPLI insurance?

When selecting EPLI insurance, it’s important to find a policy that has the right protections for your business. What those protections are depends on your business’s employment situation, including who’s employed, how many employees there are, and other factors. Contact the independent agents at Choice Insurance, and we’ll find the right EPLi policy for your Massachusetts business.

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