# EPLI

Cover for employment claims: wrongful termination, discrimination, harassment.

The first year of new ownership is exactly when employment claims happen, because that is when terminations, schedule changes, and pay decisions happen, and the person making them is new to being the defendant. [General liability](https://searchspheresource.com/glossary/general-liability-insurance) excludes employment claims entirely, so without this policy a single wrongful-termination suit is paid out of the company. Carriers commonly bundle it with the rest of the day-one package, and the application asks for a handbook, which is worth having anyway.

In numbers: A $1M EPLI limit for a business with 20 employees commonly runs $2,000 to $5,000 a year, against defense costs that pass $50,000 before a weak claim is dismissed.

Source: https://searchspheresource.com/glossary/epli
Not dated: A definition is editorial: what a term means, why it matters, and an example. None of it reads a source that can go stale, so there is no date to take and a stamped one would be the build time wearing a costume.

Site index for machines: https://searchspheresource.com/llms.txt