Employment Practices Liability Insurance (EPLI) for California employers navigating the most complex labor law environment in the country. A wrongful termination claim, harassment allegation, or wage-and-hour dispute can cost hundreds of thousands in defense costs before a verdict is rendered — Wellington Partners Insurance Services places EPLI with carriers that understand California's unique exposure landscape.
California employees have more legal protections than in virtually any other state — and California plaintiffs' attorneys know how to use them. FEHA, CFRA, PAGA, and dozens of local ordinances create a web of liability that even well-intentioned employers can inadvertently trigger. A single employment claim in California typically costs $100,000+ in legal defense before a settlement or verdict is reached.
General liability insurance specifically excludes employment-related claims. Workers compensation does not cover harassment or discrimination. Without a dedicated EPLI policy, a California employer facing a wrongful termination or hostile work environment allegation pays the entire defense out of pocket — at California litigation rates.
An Employment Practices Liability policy covers the employment-related claims that GL and workers comp specifically exclude — the claims most likely to generate significant defense costs in California.
Defense and indemnity for claims alleging an employee was terminated in violation of California law — including at-will exceptions, implied contracts, and public policy violations.
Covers allegations of sexual harassment, hostile work environment, and supervisory misconduct — against the company and individual managers named as co-defendants.
Covers allegations of discrimination based on protected characteristics under FEHA — race, gender, age, disability, religion, national origin, and California's expanded protected categories.
Covers claims alleging an employee was demoted, disciplined, or terminated in retaliation for a complaint, whistleblower report, or protected activity under California law.
Some EPLI policies extend to cover defense costs in California wage-and-hour class actions — one of the most common and expensive employment claim categories facing California employers.
Covers harassment and discrimination claims brought by customers, vendors, or other non-employees against your business — an exposure often overlooked until a claim arrives.
California EPLI requires carriers and policy forms that understand California-specific employment law. Wellington Partners Insurance Services places EPLI with carriers that have California experience, panel counsel relationships with experienced California employment defense firms, and coverage terms that address PAGA, FEHA, and the full California employment law landscape.
Get an EPLI insurance California quote — start your quote or call (818) 492-4355.
Protect your business from California's complex employment liability landscape with EPLI coverage from Wellington Partners Insurance Services. Call (818) 492-4355 or request a quote today.
Request a Quote