Driving in North Dakota comes with its own set of risks-icy highways on I-94, rural roads where deer crossings are common, and hailstorms that can leave vehicles badly damaged. At Bowerman Insurance Agency, we provide auto insurance in Steele, ND and Bismarck that keeps you protected on every trip. As an independent insurance agency, we shop multiple carriers to find the right balance of coverage and cost for your needs.

Employment Practices Liability Insurance (EPLI) Coverage

Coverage to protect your business.

EPLI helps protect your business from employment-related claims, like wrongful termination, discrimination, and harassment.


The Commercial Insurance Policy usually includes the General Liability (GL) Coverage, but the GL doesn’t include coverage for workplace treatment of employees. EPLI also has coverage available for defense costs, and other related employment practices mishaps.


And the Stop Gap Endorsement offers supplemental coverage to add another layer of proportion to the employer when Worker’s Compensation isn’t enough. 


If you have employees, you need these protections in place! Contact us today for further information!

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Employment Practices Liability Insurance (EPLI) 

Employment practices liability insurance (EPLI) helps protect your business from employment-related claims, like wrongful termination, discrimination, and harassment.

Other Employer Insurance Endorsements

  • Employee Benefit Liability
  • Employee Dishonesty or Theft
  • Management Personnel
  • Robbery
  • Money and Securities
  • Computer Fraud
  • Money Orders and Counterfeit Money
  • Crime Coverages
  • Extended Reporting Period
  • Prior Acts

Ask us about these optional endorsements as well as the EPLI Coverage, we can find the coverage your business needs.

STOP GAP ENDORSEMENT

Businesses with employees must consider various insurance policies to manage financial risks. One crucial coverage is Stop Gap Insurance, which addresses gaps in workers’ compensation policies. Without it, employers could face costly lawsuits from injured employees.


Stop Gap Insurance Coverage is a supplemental liability insurance that protects employers when workers’ comp alone doesn’t cover an employee lawsuit.


For example, workers’ comp covers medical bills and lost wages after a workplace accident — but if the injured worker sues their employer for negligence, workers’ comp won’t step in to pay defense costs or damages. Stop gap coverage fills that hole.


Stop gap coverage is not a substitute for workers’ compensation. You still need workers’ comp to provide benefits to employees. Stop gap simply adds another layer of protection for the employer.


For many employers, stop gap coverage is a relatively small expense compared to the financial devastation of even one uninsured lawsuit.

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Covered Allegations & Claims-What's Included

Wrongful Termination

Claims of being fired illegally or without proper cause.

Harassment

Alleged workplace bullying, sexual harassment, or hostile environment.

Discrimination

Allegations based on age, race, gender, disability, or other protected classes.

Retaliation

Claims related to adverse actions after whistleblowing or complaints.

Third-Party EPLI

(Optional) Coverage for claims brought by customers, vendors, or non-employees.

Legal Defense Costs

EPLI helps pay for attorneys, settlements, and judgments on covered claims-defense even if you did nothing wrong.

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Clear Answers for Employers

  • What acts are covered under EPLI?

    Includes wrongful termination, discrimination, harassment and other workplace treatment.

  • I have a General Liability Policy and an ND Workman’s Comp Policy, why do I need EPLI?

    The GL and Workers Comp leaves a gap that doesn’t respond to how an employer/company hires, manages, or fires people.

  • What is the difference between EPLI and other types of commercial insurance?

    EPLI is typically issued on a claims-made basis, meaning when a claim is reported the policy will respond subject to the policy’s retroactive date and limits. 

  • Is there exclusions on an EPLI Policy?

    They can include intentional acts, bodily injury (which has coverage under the GL) among others.

  • How much does it cost?

    Pricing depends on profession, revenue, and claims history; we'll shop multiple carriers.

Get EPLI Coverage

Don't risk your business's future to an unexpected employee claim. Bowerman Insurance provides EPLI options, carrier comparisons, and local support.