--- title: Employment Practices Liability Insurance – Are You Covered Correctly? description: "In today’s society it is very important to have insurance for claims that arise out of human resource\nissues. Learn more about what policies can protect you in case of a discrimination claim!`" image: https://info.bluemarsh.com/hubfs/writing-1149962_1920.jpg --- [![Honey Brook PA Insurance Agent](https://info.bluemarsh.com/hubfs/BlueMarshInsurance_April2018/Images/preheader_01-1.png)](https://www.bluemarsh.com/) - [Home](https://www.bluemarsh.com/) - [About Us](https://www.bluemarsh.com/about-us/) - [Referral Rewards Program](https://www.bluemarsh.com/referral-rewards/) - [Customer Testimonials](https://www.bluemarsh.com/customer-testimonials/) - [Rate Us](https://www.bluemarsh.com/rate-us/) - [Blog](https://info.bluemarsh.com/blog) - [Products](https://www.bluemarsh.com/insurance-products/) - [Customer Center](https://www.bluemarsh.com/customer-center/) - [Online Quotes](https://www.bluemarsh.com/insurance-quote/) - [Contact](https://www.bluemarsh.com/contact/) - (610) 590-0152 - [MyAgent@bluemarsh.com](mailto:MyAgent@bluemarsh.com) - [Start Quotes](https://www.bluemarsh.com/insurance-quote/) # Employment Practices Liability Insurance – Are You Covered Correctly? by [Mike Wagner](https://info.bluemarsh.com/blog/author/mike-wagner)    May 28, 2019 In today’s society it is very important to have insurance for claims that arise out of human resource issues. The average cost of a discrimination claim is $125,000, and 25 percent of judgments exceed $500,000. While many claims are groundless, defending them can be very costly and time consuming. If you carry Employment Practices Liability Insurance, or EPLI, you have protection for lawsuits from current, prospective or former employees that claim you have discriminated or harassed them. Things like sexual harassment, wrongful termination or discrimination are potentially covered by EPLI. The hidden danger in your EPLI policy is what happens if you are sued by a customer, vendor, or supplier? Are you covered? The answer might surprise you. If you have a standard EPLI policy, you are most likely **not** covered. Most EPLI policies only cover you for claims from current, prospective or former employees. Most commercial general liability policies exclude harassment and discrimination. So, what is the solution? Third Party EPLI Coverage! Third party EPLI can be endorsed to most EPLI policies at a minimal cost. An endorsed EPLI will now pay for claims for customers, vendors, or third parties that bring lawsuits alleging discrimination or harassment. Make sure your trusted advisor is recommending third party coverage when purchasing EPLI Insurance. [Learn more about EPLI Insurance here!](https://www.bluemarsh.com/insurance-products/business-insurance/) Previous Post: [Local Event Roundup: Fleetwood Events You Can’t Miss Through July!](https://info.bluemarsh.com/blog/local-event-roundup-fleetwood-events-you-cant-miss-through-july) Next Post: [Announcing our Partnership with Thrive Wealth Management!](https://info.bluemarsh.com/blog/announcing-our-partnership-with-thrive-wealth-management) ### Ready to start your quotes? We make the process super easy. When you're ready, click the button below to see how we can help you! [Yes, let's do it!](https://www.bluemarsh.com/insurance-quote/) ### Have a great experience? Online reviews help our agency tremendously. If you've had a great experience, we'd love your review! [Leave review](https://www.bluemarsh.com/rate-us/) ### We’re on Facebook too! > [Blue Marsh Insurance, Inc.](https://www.facebook.com/bluemarshins) ### Contact Information Blue Marsh Insurance 2501 Conestoga Ave Honey Brook, PA 19344 [Get directions](https://maps.google.com/maps?saddr=current+location&daddr=2501+Conestoga+Ave+%0D%0AHoney+Brook%2C+PA+19344+) 610-590-0152 [MyAgent@bluemarsh.com](mailto:MyAgent@bluemarsh.com) Fleetwood PA Location 430 Park Road Fleetwood, PA 19522 [Get directions](https://maps.google.com/maps?saddr=current+location&daddr=430+Park+Road%0D%0AFleetwood%2C+PA+19522) (610) 944-8105 [MyAgent@bluemarsh.com](mailto:MyAgent@bluemarsh.com) ### Connect with us on social - - - - ### We’re on Facebook too! > [Blue Marsh Insurance, Inc.](https://www.facebook.com/bluemarshins) Copyright 2020 Blue Marsh Insurance | Website by [Advisor Evolved](https://advisorevolved.com/) [Call](tel:6105900152) [Email](mailto:myagent@bluemarsh.com) [Claims](https://www.bluemarsh.com/customer-center/file-insurance-claim/) [Payments](https://www.bluemarsh.com/contact/)