Employment Practices Liability Insurance (EPLI) in Ohio

What Is Employment Practices Liability Insurance?

Employment Practices Liability Insurance (EPLI) helps Ohio businesses protect against employee-related lawsuits. It covers claims made by employees, former employees, or even job applicants for alleged violations of their rights in the workplace.

Common EPLI Claims

• Wrongful termination
• Discrimination (age, race, gender, disability, religion, etc.)
• Sexual harassment or hostile work environment
• Retaliation or unfair treatment
• Failure to promote or hire fairly

Your general liability and workers’ comp policies do not cover these kinds of disputes. EPLI fills that crucial gap — covering attorney fees, settlements, and court costs that can otherwise cripple your business.

Why Ohio Businesses Are Especially at Risk

Ohio’s at-will employment laws allow employers flexibility in hiring and firing, but they also increase exposure to potential lawsuits. Thousands of discrimination and retaliation complaints are filed with the Ohio Civil Rights Commission each year — many involving small businesses.

What EPLI Covers (and What It Doesn’t)

How Much Does EPLI Cost in Ohio?

Most small businesses in Ohio pay between $500 and $3,000 per year depending on their size, industry, and HR policies. Bundling EPLI with your Business Owners Policy (BOP) can reduce the overall premium.

Who Needs EPLI Coverage?

Any Ohio business with employees should consider EPLI coverage. The more people you hire or manage, the higher the risk of an employee claim — even if it’s unfounded.

Industries at Higher Risk

• Construction and contractors
• Retail and restaurants
• Healthcare and medical offices
• Professional services and offices
• Nonprofits and educational organizations

You Should Strongly Consider EPLI If:

• You hire, fire, or manage employees
• You experience turnover or seasonal workers
• You don’t have a dedicated HR department
• You’ve received employee complaints or disputes before

EPLI gives peace of mind that one claim won’t derail years of work. It’s affordable protection that every employer in Ohio should have.

How to Get EPLI Coverage in Ohio

Protex Insurance Group makes getting Employment Practices Liability Insurance simple. We help Ohio business owners compare quotes from multiple top-rated carriers and find the best mix of cost and coverage.

Bottom Line: EPLI Is Essential Protection for Ohio Employers

Employee lawsuits can strike any business — even those with great workplace culture and clear HR policies. Employment Practices Liability Insurance (EPLI) shields your company from the legal and financial fallout of employee-related claims.

Don’t wait for a lawsuit to find out you’re unprotected. Secure your EPLI coverage today and protect your business, your team, and your peace of mind.