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Employment practices liability insurance, or EPLI, covers claims brought by employees against your business, such as discrimination, harassment, or wrongful termination. As soon as you have staff, this exposure exists.
EPLI generally pays for legal defense and settlements when a current, former, or prospective employee alleges a workplace wrong. These claims can be costly to defend even when they are unfounded, which is where the coverage earns its place.
Any business with employees faces employment-related risk, and it grows with headcount. Small businesses are not immune, and a single claim can be significant relative to their size.
If you employ people, this is an exposure worth understanding rather than discovering during a dispute. Explore business insurance or start a quote.
Section 45S is permanent and, from 2026, can run on leave wages or on paid leave insurance premiums. The 12.5% to 25% rate and the tests to confirm.
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