Businesses have a lot to deal with these days. One of the biggest, yet hidden potential problems that business owners face is litigation from former and/or current employees. That’s why it’s so important for business owners and human resource departments to consider the value of purchasing employment practices liability insurance (EPL Insurance).

You may not have even heard of this insurance before now, but it’s becoming one of the most important purchases a business owner can make. It’s a liability insurance that covers a wide range of potential problems for business owners including: wrongful termination suits, discrimination suits, and sexual harassment suits.

Which Businesses need EPL Insurance?

You might be surprised that businesses of all sizes have faced lawsuits from former and/or current employees for all of the above reasons and more. This means that no business is really safe from the need for this type of protection as long as that business has employees. However, Employment Liability Insurance isn’t a one size fits all investment. You need to shop around to find the plan and coverage that best suits your needs depending on the size of your business and the number of people you employ.

With that in mind, you should have a few expectations when you purchase EPL insurance. Here are a few things you should look for in the policy you decide to protect your business interests with.


  • EPL coverage should include court proceedings as well as arbitration.
  • All employees, even part-time employees should be covered by the EPL plan.
  • Consider additional coverage for privacy issues as well as to cover the umbrella emotional distress complaint.

While these things do not eliminate the potential headaches or hoops that can come about due to a discrimination claim filed by a former or current disgruntled employee, they can go a long way towards eliminating the potentially catastrophic results of an award going against your company.

The world we live in is a litigious one. It’s worth every penny to protect your business interests in any way that’s possible. Court expenses and fees alone for a suit such as this can do irreparable harm to any business.

That’s why it’s so important to ensure that your business is insured against the worst of the damage that can be done in lawsuits and complaints like these. Now is the time, before any complaints have been filed, to decide whether or not EPL insurance is a wise investment for your business. Let the experts at TempStaff help you avoid the  headaches by matching you with top talent, today!

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