Employment Practices Liability

Protecting Your People—and Your Reputation

In today’s evolving workplace, businesses are under increased scrutiny—not just from regulators, but from employees as well. Allegations of wrongful termination, discrimination, or harassment can arise at any time, regardless of how carefully you manage your team. Even unfounded claims can carry serious financial, operational, and reputational consequences.

At Fern Rock Insurance Agency, our Employment Practices Liability (EPLI) coverage is designed to shield your organization from the growing risks associated with workforce management—so you can lead with confidence.

What Is EPLI?

EPLI protects businesses against claims made by employees (or potential, former, or even third-party workers) related to:

Wrongful Termination – Claims of being let go unfairly or without proper cause
Discrimination – Allegations based on race, gender, age, religion, disability, and more
Harassment – Including sexual harassment and other hostile workplace claims
Retaliation – Accusations of punitive action for whistleblowing or reporting misconduct
Other Employment-Related Violations – Such as negligent evaluation, failure to promote, or breach of contract

Whether you’re a startup or a long-established company, EPLI is an essential part of your broader risk management strategy.

Why It Matters

Lawsuits from employees are among the most common and costly risks facing employers today. Even if your organization has clear policies and a positive culture, it only takes one allegation to trigger a legal battle.

With EPLI coverage from Fern Rock, you gain access to:

Coverage for legal defense costs, settlements, and judgments
Protection for HR decisions and workplace policies
Resources to strengthen your compliance and employee relations

Who Needs EPLI Coverage?

EPLI is essential for any organization that:

Employs staff or manages contractors
Operates in a regulated or litigious industry
Lacks a dedicated legal or HR department
Wants to protect its culture, leadership, and financial stability

Whether you’re managing a handful of employees or a growing workforce, EPLI is the safety net every employer should have in place.

Why Partner with Fern Rock?

At Fern Rock Insurance Agency, we understand the unique risks employers face in today’s workplace. Our EPLI solutions are part of a larger, coordinated strategy designed to protect your leadership, your people, and your future.

We help clients:

Identify HR and employment-related vulnerabilities
Tailor EPLI policies to align with your industry and workforce
Provide guidance during disputes or claims
Stay ahead of regulatory changes and employment law trends

Let’s build a safer, more resilient workplace—together.