Protect Your Business from the Unexpected — Employment Practices Liability Insurance that Works When It Matters Most
Running a business means managing people — and where there are people, there’s risk. From wrongful termination claims to allegations of harassment or discrimination, today’s employers face growing legal exposure. Employment Practices Liability Insurance from Combs & Company helps you stay protected when employee-related legal issues arise. Whether you're a small startup or a fast-scaling company, we make sure you’re covered where it counts, with a tailored EPLI policy that reflects your unique risk profile.
At Combs & Company, we bring over 20 years of experience and real-world insight into commercial coverage. We don’t just sell policies — we demystify insurance and help you feel confident about the protection you have in place.
Your protection starts with a conversation. Our experts are ready to help you find the right coverage that fits your life and goals. Book an Appointment Today!
What Does Employment Practices Liability Insurance Cover?
Employment Practices Liability Insurance (EPLI) covers the legal costs and damages related to claims made by employees, former employees, or job applicants over employment-related issues. This type of policy is essential for any business that manages a team, because even one claim — substantiated or not — can be financially and reputationally damaging.
Your EPLI policy from Combs & Company may include protection for:
- Wrongful termination
- Sexual harassment
- Discrimination (race, gender, age, disability, etc.)
- Retaliation claims
- Defamation, slander, or libel
- Invasion of privacy
- Breach of employment contract
- Failure to hire, promote, or employ fairly
We work with top-tier carriers and customize every policy based on your industry, workforce size, and potential exposure. It’s not just about having a policy — it’s about having the right policy for your business.
Why EPLI Matters: Real Protection for Real Business Risks
You don’t have to be a large company to face employment-related lawsuits. In fact, small and mid-sized businesses are often more vulnerable because they may not have in-house HR or legal departments. That’s where Employment Practices Liability Insurance becomes essential.
With Combs & Company on your side, EPLI helps you:
- Safeguard your business from costly legal defense fees and judgments
- Preserve your brand reputation during public claims
- Strengthen employee trust through proactive risk management
- Navigate complex claims with experienced support and clear guidance

We help you understand not just what you're covered for — but why it matters and how to use it if you need it.
What Is the Difference Between D&O and Employment Practices Liability Insurance?
A common question we hear is how EPLI differs from Directors & Officers (D&O) insurance. While both offer legal protection, they serve distinct purposes:
- Employment Practices Liability Insurance covers the business and its leadership against employment-related claims brought by employees or applicants — such as discrimination or harassment.
- Directors & Officers Insurance protects the company’s executives against claims arising from decisions made in their leadership roles — such as breach of fiduciary duty or mismanagement of company funds.
Both are critical components of a well-rounded risk management strategy — and at Combs & Company, we help you determine whether you need one, the other, or both, based on your specific risk exposure.
Who Needs Employment Practices Liability Insurance?
If you have employees — even just one — you’re exposed to employment-related legal risks. Employment Practices Liability Insurance is particularly critical for:
- Startups scaling quickly and hiring rapidly
- Restaurants, retail businesses, and other service-based employers
- Tech companies managing hybrid or remote teams
- Organizations with limited HR infrastructure
- Businesses in highly regulated or publicly scrutinized industries

Regardless of your industry, employment-related lawsuits are on the rise — and the cost of defending even a meritless claim can be staggering. EPLI provides peace of mind, financial protection, and time to focus on running your business, not fighting legal battles.
How Does EPLI from Combs & Company Go Beyond the Policy?
When you work with Combs & Company, you’re not just purchasing a standalone policy. You’re gaining a risk management partner who:
- Simplifies the insurance process and avoids jargon
- Customizes coverage to match your exact business model and HR structure
- Provides guidance on minimizing your EPLI risk exposure before issues arise
- Works with top carriers for trusted, competitive options
- Brings 20+ years of real-world experience and a 98% client satisfaction rate

We pride ourselves on helping clients feel educated, empowered, and fully protected. It’s this level of service that makes Combs & Company the smart choice for businesses nationwide.
What Is Covered by Employment Practices Liability?
Employment Practices Liability Insurance covers a wide range of employment-related claims that can be brought against your company. These include:
- Discrimination based on race, gender, age, religion, or disability
- Harassment, including sexual harassment
- Wrongful termination or discipline
- Retaliation against employees for whistleblowing or other protected actions
- Defamation or invasion of privacy
- Failure to employ, promote, or enforce policies fairly
- Breach of employment contracts
These policies also typically cover the legal fees, settlements, and judgments associated with these claims — which can run into tens or hundreds of thousands of dollars, even for small businesses.

At Combs & Company, we make sure your policy is built to address the real-world risks your business faces — with clarity, confidence, and compliance in mind.
Frequently Asked Questions About Employment Practices Liability Insurance
How much does Employment Practices Liability Insurance cost?
The cost of Employment Practices Liability Insurance depends on several factors, including your company size, claims history, industry, and internal HR practices. At Combs & Company, we assess your specific risk profile to find you the most competitive and appropriate policy — without overinsuring or overspending.
Is Employment Practices Liability Insurance required by law?
EPLI is not legally required, but it is highly recommended for any business with employees. It provides essential legal and financial protection against claims that are becoming increasingly common — even for businesses that operate ethically and have good HR practices in place.
Can EPLI help protect my company from lawsuits filed by former employees?
Yes. EPLI covers claims brought by current, former, and even prospective employees. Many claims stem from past employment actions, such as layoffs, firings, or hiring decisions, making this coverage critical even after an employee leaves your company.
What kind of companies typically purchase Employment Practices Liability Insurance?
All kinds. From small businesses with only a few employees to large corporations, EPLI is a vital safeguard. It's especially important for industries with high turnover or public interaction, such as hospitality, retail, food service, technology, and healthcare.
How can I reduce the chances of needing to use my EPLI policy?
Preventative measures like clear HR policies, consistent documentation, anti-discrimination training, and open-door communication can reduce your risk of employee claims. At Combs & Company, we’ll help you not only secure the right policy but also support best practices that lower your exposure over time.
Let’s Build Protection That Works for You
Whether you’re just starting to think about EPLI or want to review your existing policy for gaps, Combs & Company is here to help you protect what you’ve built. Let’s make your insurance simpler, smarter, and ready for anything.

👉 Schedule a Free Consultation Today or Contact Us to learn how Employment Practices Liability Insurance fits into your total risk management strategy.
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