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Fight Workplace Bullying with EPL Insurance

Let's face it — even adults can behave very badly.

Have you ever had to fire someone because they were a bully in the workplace? Would your company be in trouble if a disgruntled former employee sued you? Is there enough savings in your bank account to cover legal expenses or even just emergency public relations costs? There are lots of insurance needs for businesses but ensuring that you're protected against misbehaving employees is a must for any company, large or small.

You might have heard of a type of insurance called EPLI or Employment Practices Liability Insurance. In a nutshell, it covers a business' liability from "wrongful acts arising from the employment process," as noted by the International Risk Management Institute.

These types of liabilities commonly include:

  • Wrongful termination
  • Discrimination
  • Sexual harassment, and
  • Retaliation

EPLI policies can also cover claims stemming from inappropriate workplace conduct which can range from anything to invasion of privacy to failure to promote or hire. Those covered under EPLI include not only current employees, but also boards of directors and even applicants to the company.

Gerry Bulger, commercial insurance sales executive at Marsh McLennan Agency (MMA), noted several common examples that might not be first of mind to every business owner.

  • If a delivery person comes into your business, and they're met with harassment, they can sue your company.
  • If an HR employee discloses too much to an employee's new employer in a reference check (more than just employment dates), you can be sued.
  • If an employee goes on maternity leave, and their job duties have changed when they return to work, a complaint could be filed under federal or state law.

A good employee manual usually notes all the types of negative actions that a company won't tolerate. It should also spell out actions and escalations that would be taken if an employee is noted for one of these actions, and a timeline for doing so.

When working with a broker to determine the appropriate amount of EPLI for your business, a good agent will talk to you about several policies and practices you should have in place to make the policy work best. These might include:

  • Management training in spotting and documenting EPL risks
  • A clear employee manual of appropriate and inappropriate actions spelled out with a clear, documented date of receipt from each employee
  • Documentation of any past or ongoing complaints against the company
  • Hiring and promotion practices by the company noted by gender, merit and more

Gender discrimination complaints are common in the workplace, even in modern industries. In 2025, Apple, the tech giant known for the iPhone, faced a gender pay discrimination lawsuit that aimed to validate more than 12,000 female employees, notes Cohen Milstein.

Milstein states that “The complaint alleges that once women were hired, Apple used prior pay information to set starting salaries, resulting in lower pay rates for women than for men who perform substantially similar work. Subsequent pay raises and bonuses were proportional to existing pay, thereby perpetuating and widening the gap.  The women also claim that Apple’s performance evaluation system is biased against women, rewarding men and penalizing women for scored categories like teamwork and leadership.”

This isn't an issue limited to the tech industry, but Google, Walmart and many more companies are all battling large gender discrimination suits by current and former employees.

Bulger notes that such suits can be very costly to companies, especially in the banking and finance industries. One case he was a part of cost the organization $11.2 million and precipitated the company's closure. Another had to do with gender-biased denials of promotions. Each complainant settled for $1 million each.  Would your business be able to shoulder those kinds of legal costs without insurance?

Unless you're a sole proprietor, Bulger says every company should make sure they're covered adequately with enough EPL insurance to get them through any legal action.

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