Employment Practices Liability Insurance

A Buyer's Guide to EPLI
What to do and know before buying Employment Practices Liability Insurance
The basics of an Employment Practices Liability Insurance policy
Different coverage options in an EPLI policy
General Terms and Conditions of an EPLI policy


  • No requirements


It's simple to say that all employers should buy EPLI because they have employees. Yet not all employers have the same risk profile when it comes to employment practice liability; therefore, their insurance needs are also not the same. Understanding the basics of an employment practices liability insurance policy is key to insurance brokers, HR professionals, lawyers, and business owners. This course will walk you through the critical considerations, the things you need to do, and keep in mind when preparing to purchase EPLI.

The purpose of this guide is to help you be prepared and know which questions to ask so that you can be a well-informed buyer. By the end of this course, you will understand:

  1. What to do and know, and mistakes to avoid before buying EPLI

  2. The basics of an EPLI policy

  3. What to buy? An understanding of the insuring agreements and some of the terms and conditions in a policy.

This course includes a downloadable Buyer's Guide, including a Buyer's worksheet, which can be used when meeting with an EPLI insurance specialist to review your policy or buy a new one.

Insurance is an integral part of every organization's management toolbox. It's more than just a necessary expense, something that needs to be ticked off the list every year. But the only way organizations can ensure they use their insurance to the best of their ability is to fully understand what they are buying and how it works.

For insurers and brokers, the better you understand the intricacies of EPLI policies, the better you can do your job in assisting your client.

And for buyers, risk managers, the more you understand, the better you can ensure that the policy you buy is the most suitable for your needs and that the policy, in turn, delivers when and how you need it to.

If you'd like to learn more about EPLI, including current trends impacting the employment practices liability environment, visit our website insurancetraining.center for our 2-hour course.

Who this course is for:

  • Insurance Brokers
  • Insurance Buyers
  • HR Professionals
  • Insurance Underwriters

Course content

1 section17 lectures35m total length
  • Introduction
  • What is EPLI?
  • The Evolving Nature of Employment Practices Liability
  • What to do before buying EPLI
  • Know why you need EPLI
  • Selecting an insurer
  • Understanding EPLI policy basics: Stand-alone or combined policy?
  • Understanding EPLI policy basics: Policy period, ERP and geographical location
  • What to buy? A look at the insuring agreements in an EPLI policy
  • Policy declarations and general terms and conditions: Liability limits
  • Policy declarations and general terms and conditions: Retention or deductible
  • Policy declarations and general terms and conditions: Reporting and notice
  • Policy declarations and general terms and conditions: Exposure and cancellation
  • Policy declarations and general terms and conditions: Arbitration and others
  • Policy declarations and general terms and conditions: Defense and settlement
  • Policy declarations and general terms and conditions: Severability
  • EPLI: A Buyer's guide wrap-up


Insurance Geek
Caroline Alvarez
  • 3.7 Instructor Rating
  • 3 Reviews
  • 257 Students
  • 1 Course

Caroline is co-founder of ITC Education Inc., she founded it with a goal to positively impact the insurance industry by making information readily available to anyone, anywhere, anytime.

Caroline began her career at a regional brokerage, progressing quickly to a managerial level. After completing her MBA at the Sauder School of Business, she was recruited by Chubb Insurance where her role evolved into executive liability underwriting. Caroline then went back to the brokerage side, as the Financial Line’s Manager, SVP, at JLT. Her focus was managing binder agreements for program business, product negotiation, and processing efficiency for teams while brokering multiple lines of insurance.

For more courses from ITC Education Inc., visit (insurancetraining.center)