Employment Practices
Employment Practices Liability (EPLI).
Employment claims are the fastest-growing category of loss for dental practices. Even a meritless complaint from a former hygienist or front-desk hire can cost $30,000+ in defense before it's dismissed.
Overview
What this coverage does
EPLI reimburses your defense costs and any settlement or judgment for covered employment allegations — brought by current employees, former employees or job applicants. Coverage typically includes third-party claims from patients or vendors as well.
We pair every EPLI policy with an HR hotline and template library, so you can avoid the claim in the first place.
Who this is for
- Any practice with at least one W-2 employee
- Practices with high staff turnover
- Multi-location groups and DSOs
- Practices in high-litigation states (CA, NY, NJ, FL, IL)
- Practices going through ownership transitions
What's included
Key features & endorsements
- Wrongful termination defense and indemnity
- Sexual harassment and hostile work environment
- Discrimination (age, race, gender, pregnancy, disability, etc.)
- Retaliation and whistleblower claims
- Wage & hour defense sublimit (state-dependent)
- Third-party claims from patients and vendors
- Immigration Reform & Control Act violations
- HR helpline and template employee handbook
- Full prior acts on renewal / rewrite
Related coverage
Round out the program
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