Employment Practices Liability Insurance

Counterpart's products are underwritten by Aspen Specialty Insurance Company (A.M. Best “A” Rating*) and Evanston Insurance Company, a Markel® Company (A.M. Best “A” Rating*).

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Protection from increasingly frequent and expensive employment-related lawsuits.

Get the coverage and support you need with Counterpart's leading risk management products and services.

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Additional limit comes standard

Risk assessment

Experts on call

Excess Defense Costs are a standard insuring clause.

Tailored report based on a multitude of critical risk factors paired with practical advice on how to navigate risk exposures.

Unlimited access to employment experts, in addition to HR training, tools, and templates.

icon illustration

Additional limit comes standard

Excess Defense Costs are a standard insuring clause.

icon illustration

Risk assessment

Tailored report based on a multitude of critical risk factors paired with practical advice on how to navigate risk exposures.

icon illustration

Experts on call

Unlimited access to employment experts, in addition to HR training, tools, and templates.

Who’s covered

Counterpart has extended coverage to other key stakeholders so they can have peace of mind to do their best work.

  • Executives
  • Managers
  • Employees
  • Attorneys
  • Consultants
  • Advisors
  • Independent Contractors
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What’s covered

Our standard policy includes all of the most important coverages plus a few new innovations that are designed for the 21st century business.

Alleged termination of an employee for non-performance reasons.

Allegation of sexual, verbal, or physical harassment.

Allegations of unfair treatment or termination due to race, color, gender, pregnancy, military service, sexual orientation, religion, age, or disability.

Allegations of employers treating employees less favorably for reporting discrimination, participating in a discrimination investigation or lawsuit, or opposing discrimination.

Alleged discrimination or harassment against a customer, client, or vendor.

Alleged misclassification of employees or unpaid wages.

Alleged lack of proper care, negligent hiring, retention, or evaluation of employees.

Alleged issues with the lack of internal policies and procedures, including deficiencies within employee handbooks or training.

Alleged breach of express or implied, oral, or written employment contract.

Alleged misrepresentations made to an employee.

Alleged actions from an employer which cause mental anguish and or emotional distress of an employee.

Actual or alleged violations of the the Family and Medical Leave Act of 1993.

Reasonable and necessary costs for the company for training employees.

Alleged disclosure violating an employee's private information.

Alleged failure to promote an employee based on merit.

Costs associated with an investigation for violations of the Immigration Reform and Control Act.

Multiple plaintiffs filing suit against the company.

Coverage within a company’s policy may differ from what is shown in What’s Covered. Please refer to the purchased policy terms and conditions for actual coverage and discuss with your broker.

Meet Brad Bahler

Brad has over a decade of experience in management & professional liability underwriting. He managed one of the largest books of small business management liability risks at Travelers, where he was known for his deep understanding of coverage, outstanding submission response times, and boundless enthusiasm for the space.

Brad Bahler
Risk Engineer

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Employment Practices Insurance Claim Examples

Here are some claim examples that illustrate what Employment Practices Insurance covers.

A former executive at a manufacturing company sued for retaliation and wrongful termination. He alleged that the company fired him as a retaliation for honest statements he made related to another employee’s termination. The settlement and legal defense costs exceeded $750,000.

After a financial institution laid off employees during the Great Recession in 2008, multiple plaintiffs alleged that women at the firm were disproportionately impacted. The suit claimed that the company terminated a "statistically significant percentage" of female workers compared to the number of men who lost their jobs and that the female employees were let go while less-qualified men remained.

In 2009, a group of carpenters were employed by a city housing project in Wilmington, California. The contractor allegedly failed to pay wages and overtime to the workers and was required to pay $550,000 in back pay and fines.

These are examples of claims and do not represent claims that would be covered within a company’s policy. Every claim is unique and requires review of the purchased policy terms and conditions on whether the claim is covered.

The facts

Get the coverage you need from insurance experts you can trust.


Percentage of US companies are sued by employees or former employees each year.*


of employment cases result in a plaintiff verdict when taken to litigation*


Average defense costs for an EPLI case through trial.*

*Kaufman Dolowich & Voluck, LLP (2014) IQRM – Intelligence Quotient for Risk Management: Employment Practice Liability

The Counterpart team has been an extremely valuable partner in this evolving marketplace.

Matt Shanks, Executive Vice President - Professional Lines

AmWINS Group

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*Rating as of April 30, 2022. A.M. Best ratings are under continuous review and subject to change. Please refer to Markel’s website and Aspen’s website for the most current information. The rating represents the overall financial status of Evanston Insurance Company and Aspen Specialty Insurance Company, and is not a recommendation of the specific policy provisions, rates or practices of the issuing insurance company.
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