Employment Practices Liability Insurance — Protect Your Workplace
Employment disputes are among the most costly legal challenges for Canadian businesses. EPLI covers you if an employee — current, former, or prospective — claims your company violated their rights.
What is Employment Practices Liability Insurance (EPLI)?
Employment Practices Liability Insurance (EPLI) covers employers against claims made by employees alleging violations of their legal rights. This includes discrimination, sexual harassment, wrongful termination, breach of employment contract, and failure to promote. EPLI covers legal defence costs, settlements, and judgments.
What's Covered
- Wrongful termination and constructive dismissal claims
- Sexual harassment and workplace harassment allegations
- Discrimination based on age, gender, race, disability, or religion
- Failure to promote or retaliation claims
- Breach of employment contract
- Negligent evaluation claims
Who Needs This Coverage?
Any business with employees is exposed to employment practices claims. Mid-sized companies with 10–100 employees often face the highest risk. HR-intensive industries like retail, hospitality, healthcare, and technology are frequent buyers.
How Much Does It Cost?
EPLI premiums in Canada typically range from $60–$250/month depending on your number of employees, industry, and past claims history.
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Did You Know?
Many commercial contracts and leases require proof of insurance before you can start work.
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