Employment Practices Liability Insurance
Employment Practices Liability Insurance (EPLI) provides coverage for claims made by employees, former employees, or potential employees. It covers discrimination, wrongful termination, harassment, and other employment-related issues. As a Justworks customer, your company is covered under Justworks' EPLI policy with Lloyd's of London.
Why do I need EPLI?
Small businesses can be particularly vulnerable to employment claims. EPLI helps protect your company against costly employment lawsuits from employees, former employees, or potential employees.
Because of the sometimes costly nature of wrongful employment practices lawsuits, Justworks requires EPLI coverage for all its customers. Although EPLI is not a legal requirement, when you start with Justworks, you're enrolled in coverage under our EPLI policy.
- Wrongful termination, failure to hire or promote, or demotion
- Harassment (including sexual harassment)
- Negligent supervision or hiring
- Certain other employment-related claims
What's not covered?
- Third-party discrimination claims
- Wage and hour claims, such as overtime and minimum wage violations
How much does it cost?
For companies that started with Justworks on or after July 1, 2019, the EPLI fee is bundled into your Justworks administrative fee. For current companies that started with Justworks prior to July 1, 2019, please reach out to your Account Manager or our 24/7 Customer Support Team if you have any questions about your current EPLI fee.
I have a potential EPLI claim. What do I do now?
If an incident occurs that may give rise to a claim under Justworks' EPLI policy, email your Justworks Account Manager or our Customer Success (email@example.com) team right away.
A note about coverage
Coverage under Justworks' EPLI policy is on a claims-made basis. That means that the policy only applies to claims made, submitted, and arising from events occurring during the term of the customer service agreement. If you are joining Justworks and already have EPLI coverage, you should consider putting a tail policy in place with your EPLI carrier.
Can my company maintain its own EPLI policy along with Justworks’ EPLI policy?
Yes. Justworks’ EPLI policy would be in excess of any EPLI coverage that is purchased by your company, and coverage would be triggered only after your policy’s retention and policy limits are met. Any EPLI insurance purchased by your company would need to be purchased as primary coverage in order to avoid any gap in coverage.
How do I get proof of Justworks’ EPLI coverage?
If you would like a copy of Justworks’ EPLI certificate of insurance (COI), please reach out to your Account Manager or our 24/7 Support team to request a copy.
Justworks is not an insurance provider and does not provide legal or tax advice. This summary is only a general description of Justworks’ applicable EPLI policy and does not contain complete terms, conditions, limitations, definitions, and exclusions. If there is any discrepancy between the policy and this description, the provisions of the policy will determine coverage. Coverage is (i) subject to the terms, conditions, and exclusions set forth in the applicable policy in effect at the time of the claim and (ii) conditioned on the customer’s compliance with Justworks’ service agreement(s) and all applicable policies and procedures of Justworks.