Employment Practices Liability (EPL)

EPLI is an insurance product specifically designed to protect physicians from employment practices liability exposures including, but not limited to discrimination, sexual harassment, wrongful termination, failure to hire or promote, wrongful infliction of emotional distress and invasion of privacy. EPLI is designed to provide insureds with the most comprehensive protection at rates not otherwise available in the commercial marketplace. Annual premiums are on average $100 per physician or Full Time Equivalent. It is inexpensive, comprehensive and provides free risk and employee management services previously available only to larger companies.

The benefits of EPLI may include:

  • Third party coverage
  • Free online risk management portal with training modules, employee handbooks, human resource tutorials, and thousand of EPLI related resources (www.HPIX-HReXpress.com)
  • Free and unlimited usage of best practices hotline, staffed by Employment Law Specialists
  • Coverage is offered at $100,000, $250,000, $500,000 and $1,000,000 policy limits