Today’s workplace presents complex legal challenges as employment-related claims continue to rise in frequency and severity. Even the most diligent employers face significant financial exposure from allegations of discrimination, harassment, wrongful termination, and other employment-related issues. With Actsphere’s employment practices liability insurance (EPLI) solutions, your business gains comprehensive protection against these potentially devastating claims, including legal defense costs, settlements, and judgments. We compare options from several carriers to find perfect coverage at exceptional prices—all through one trusted insurance company that treats your business like family.

Critical EPLI Mistakes That Could Threaten Your Business—And How Actsphere Protects You

Most businesses make dangerous mistakes with their employment practices protection that leave them vulnerable to devastating losses. At Actsphere Insurance Group, we help you avoid these potentially catastrophic errors.

Relying on General Liability Insurance for Employment Claims

General liability policies specifically exclude employment-related claims, creating a dangerous coverage gap. Our comprehensive approach ensures proper EPLI coverage tailored to your specific workforce and employment practices.

Underestimating Defense Cost Exposure

Even baseless employment claims require legal defense, with costs often exceeding $100,000 regardless of merit. Our coverage evaluation ensures adequate limits for both defense costs and potential settlements or judgments.

Overlooking Third-Party EPLI Coverage

Standard EPLI policies may exclude claims from non-employees like customers, vendors, or other third parties. Our thorough review identifies these gaps and recommends appropriate third-party coverage when needed.

Failing to Coordinate with Other Policies

EPLI works alongside other coverages like directors and officers liability, fiduciary liability, and cyber liability. Without proper coordination, you may have costly overlaps or dangerous gaps in protection.

What Our Actsphere Family Says

We’re proud to protect families, businesses, and employee wellness teams across the country. Our client stories show our commitment, honesty, and real results.

What Makes Actsphere EPLI Different?

Actsphere Employment Practices Liability

Access to top-rated insurance carriers for optimal coverage
Complete coordination with your other coverages
Local agents who understand employment laws
Dedicated team supporting all your insurance needs
Integrated approach with other business coverages

Other EPLI Providers

Limited to one carrier's policy forms only
Minimal HR support and risk management resources
Disconnected from other liability coverages
Call centers in other states or countries
Impersonal customer service
Limited coverage customization options

Why Businesses Choose Actsphere for Employment Practices Liability Insurance

Since 2015, we’ve helped employers protect themselves against employment-related claims across all industries. Learn more about our insurance agency.

Best rates from several quality insurance carriers
Agents who understand specific industry employment risks
Local experts who know employment laws
Always human, always here when you need us
Claims guidance when you need it most

Complete Employment Practices Liability Insurance Solutions From Actsphere

Essential Employment Practices Protection

Your business needs comprehensive EPLI coverage addressing the full spectrum of employment-related claims. As your business insurance partner, Actsphere designs EPLI solutions tailored to your specific workforce, employment practices, and risk profile.

Core EPLI Coverages

Employee Claims Protection - Comprehensive Defense
Legal Defense Coverage - Representation Protection
Settlement and Judgment Coverage - Financial Protection

Additional EPLI Features

Industry-Specific EPLI Solutions

Healthcare EPLI Coverage - For medical organizations
Retail EPLI Protection - For customer-facing businesses
Professional Services EPLI - For service firms

How Actsphere EPLI Works

1

EPLI Consultation

Share your workforce details, employment practices, and concerns. We listen and identify the right approach for your specific needs.

2

Employment Practices Analysis
We evaluate your employment policies, procedures, workforce composition, and claims history to identify your unique risk profile.

3

Strategic Coverage Development
We create a customized EPLI solution with appropriate coverages, limits, and endorsements, leveraging our 25+ carrier relationships for optimal protection and pricing.

4

Ongoing Employment Risk Management
As your workforce changes, employment laws evolve, or new risks emerge, we’re always just a call or text away.

Business Changes? Your Actsphere Family Is Here

Workforce Evolution

Employee growth
Restructuring
Remote work transition
Multi-state expansion
Classification changes

Regulatory Updates

New employment laws
Compliance requirements
Reporting obligations
Posting requirements

Policy Development

Handbook updates
Procedure implementation
Training programs
Documentation improvements

Call Actsphere when your business evolves — We’ll adjust your protection promptly. That’s what family does.

Switch to Actsphere EPLI – We Handle Everything

We Make It Easy

Review current employment practices policies for gaps
Analyze your specific workforce exposures and practices
Compare options from carriers for the best protection
Manage seamless carrier transitions
Provide access to HR resources and tools
Support ongoing employment risk management needs

How Fast?

Initial Analysis - Same day in most cases
Customized Quotes - 24–48 hours for most businesses
Policy Binding - As quickly as 24–48 hours when needed
Documentation - Immediate delivery when required

Frequently Asked Questions

What exactly does employment practices liability insurance cover?

EPLI covers claims by employees alleging wrongful employment acts like discrimination, harassment, wrongful termination, retaliation, and failure to promote. Coverage typically includes legal defense costs, settlements, and judgments arising from these claims, protecting both the company and individual managers or supervisors.

Why isn't this covered under my general liability or business owner's policy?

General liability policies specifically exclude employment-related claims, focusing instead on bodily injury, property damage, and certain personal injury claims. This intentional exclusion reflects the unique and significant exposure that employment practices represent, requiring specialized EPLI coverage with employment-specific terms and conditions.

How much EPLI coverage does my business need?

Coverage limits should reflect your employee count, turnover rate, prior claims history, and industry risk factors. Most small businesses should carry at least $500,000 to $1 million in coverage, while larger organizations or those in high-risk industries often need $3-5 million or more.

Does EPLI cover wage and hour claims?

Most standard EPLI policies exclude wage and hour claims or provide defense-only coverage with a sublimit. Full coverage for wage and hour claims (including settlements and judgments) is available through specialized endorsements or standalone policies, though typically at additional cost and with stricter underwriting requirements.

What is third-party EPLI coverage and why is it important?

Third-party coverage extends protection to claims made by non-employees like customers, vendors, or other business contacts alleging discrimination or harassment. This valuable extension is particularly important for businesses with significant public interaction, providing protection against claims that would otherwise fall into a coverage gap between general liability and standard EPLI.

How are EPLI premiums determined?

Premiums are based on employee count, industry type, location, prior claims, turnover rates, and employment practices. Additional factors include existing HR policies, employee handbooks, training programs, complaint procedures, and other risk management practices that can significantly impact both eligibility and pricing.

Are independent contractors covered under EPLI policies?

Standard EPLI policies typically exclude claims from independent contractors unless specifically endorsed. Businesses utilizing independent contractors should either secure appropriate endorsements or require contractors to maintain their own insurance, while also ensuring proper classification to avoid misclassification claims that could trigger both EPLI and wage/hour issues.

What employment practices help reduce EPLI claims and premiums?

Effective risk management includes documented hiring/firing procedures, regular anti-harassment and discrimination training, clear complaint procedures, consistent performance evaluations, and up-to-date employee handbooks. Many carriers offer premium credits for these practices, while also providing access to HR hotlines, training resources, and policy templates as value-added services.

Does EPLI cover claims from events that happened before the policy was purchased?

EPLI policies typically cover claims made during the policy period, regardless of when the alleged wrongful act occurred, subject to the policy’s retroactive date. Maintaining continuous coverage with consistent retroactive dates is crucial for avoiding coverage gaps, as claims often arise months or years after the alleged incidents occurred.

How does the EPLI claims process work?

When facing a potential claim, notify your carrier immediately—even before a formal lawsuit, as many policies cover EEOC charges and demand letters. The carrier will assign legal counsel, coordinate defense strategy, and handle settlement negotiations or trial defense, working within your policy’s retention (deductible) and coverage limits.

Actsphere Serves Businesses in These States

Our team helps companies secure comprehensive employment practices protection across these great states. See EPLI options by state:

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TEXAS

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PENNSYLVANIA

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MICHIGAN

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OHIO

Each state has unique employment laws, regulatory requirements, and legal environments. Our insurance experts know them all.

Actsphere Insurance Blog

Get practical tips for managing employment practices risks. Check out our insurance blog for HR best practices, policy guidance, and claim prevention strategies.

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Ready to Protect Your Business From Employment Claims?

Important: The right EPLI coverage shields your business from potentially devastating employment-related claims. Let’s secure your workforce practices today.

Visit Our Office

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3129 Kingsley Dr., Suite 1910 Pearland, TX, 77584

When We’re Here

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Weekdays: 8:30 AM – 6:00 PM,
Monday – Thursday,
Friday – 8:30-5:00 PM

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Claims Emergency: 24/7
(Note: You can always contact insurance claims department)

Three Ways to Start

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(832)-956-1033 – Talk to a Licensed Insurance team member now

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Same number for quick questions

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sales@actsphereins.com – Get quotes today

Contact Actsphere Insurance

Call, text, or stop by anytime. Real people, real help, really fast.

“Stewardship is our policy” – Since 2015, Actsphere Insurance Group has been a trusted insurance company, protecting businesses and families with access to several carriers. One company, complete coverage, unbeatable service.