Shield your business from costly lawsuits 

Big or small, all companies face the risk of lawsuits. If an allegation is made against you, your employee or your company, employment practices liability insurance (EPLI) provides your business with legal and financial protection.

What is employment practices liability insurance?

EPLI protects business owners against employment-related lawsuits filed by employees. Lawsuits may arise from accusations of:

  • Harassment
  • Discrimination
  • Appliances
  • Wrongful termination
  • Other employment-related issues, like wrongful discipline

Grange also offers third-party coverage for accusations made by customers and vendors.

What is covered by EPLI?

Grange’s EPLI coverage combines protection for employment related lawsuits with free access to workplace risk management and legal resources. These services include:

Free legal counsel.

Receive access to Jackson Lewis, one of the largest and most respected employment law firms in the nation. Discuss issues such as discrimination and harassment investigations, FMLA and state-leave laws, employment reviews and dismissals.

Free risk management training and education.

Get 24/7 access to state-of-the-art training modules, articles, best-practice resources and self-audit checklists from The McCalmon Group.

First-party and third-party coverage.

Protect your business against lawsuits from employees (first-party) as well as vendors, customers or other third parties.

Why businesses should consider this coverage

Having the right kind of employment practices liability coverage is more important than ever. Here’s why:

Employee lawsuits are growing.

In the last 10 years, employee filings with The Equal Employment Opportunity Commission (EEOC) have increased by over 20%.

Settlements are getting more expensive.

From 2006 to 2016, EEOC settlements grew from $274 million to $482 million. The average settlement now costs almost $70,000.

Big or small, all companies face risk.

Over 40% of all EPLI claims are made against private employers with fewer than 100 employees.

You can be fault-free, but it still costs money.

Legal fees and defense costs for employment-related cases are on the rise and can easily exceed tens of thousands of dollars.

You probably aren’t covered under your current policy.

Commercial liability insurance policies typically exclude EPLI claims. Commercial umbrella policies may exclude them as well.

Protect your business

Difficult situations require expert assistance. Grange can offer you the tools, education and resources you need to protect your business. Talk to your independent insurance agent about adding employment practices liability coverage to your Grange business insurance policy. 

Employment practices liability insurance frequently asked questions


Typically, EPLI doesn’t cover bodily injury, intentional acts (such as battery, assault or criminal conduct), labor disputes or privacy violations. Always refer to the language in your policy and work with your independent insurance agent to understand what your policy will cover.

Workers compensation coverage and EPLI are not the same. Workers compensation covers costs related to physical injuries and illnesses that employees sustain while working. EPLI protects businesses against employment-related lawsuits.

Read reviews from business insurance customers

I have been with Grange for a few years now for my electrical business. They make the claim process easy and answer when I call. I will continue to protect my company with Grange.

– An electrician in Dawsonville, GA

We are so pleased with not only our agent but also our coverage and rates!

– A fencing company in Paducah, KY


When I made a claim, they made it a very easy process and streamlined all the hard stuff.

– A tax preparation business in Mason, OH

Why we work with independent agents

They work for you to find the right coverage

Independent agents work for you. They consider the type of insurance your business needs to be properly protected and find the best options for you.

It’s easier to comparison shop

Working with an independent agent makes it easy to compare policies and ask questions. You won’t have to wonder if you’re on the right track in your hunt for comprehensive insurance, since you’ll have an expert in your corner each step of the way.


Learn more about our partnership with independent agents

Coverages described herein may not be available in all states. Please contact a local independent Grange agent for complete details on coverages and discounts. If the policy coverage descriptions herein conflict with the language in the policy, the language in the policy applies. The material provided above is for informational, educational, or suggestion purposes and does not imply coverage. WE RESERVE THE RIGHT TO REFUSE TO QUOTE ANY INDIVIDUAL PREMIUM RATE FOR THE INSURANCE HEREIN ADVERTISED. Grange Insurance policies are underwritten by Grange Insurance Company, Trustgard Insurance Company, Grange Indemnity Insurance Company, Grange Insurance Company of Michigan* and Grange Property & Casualty Insurance Company*. *Not licensed in Pennsylvania