EPLI Coverage in Stamford CT That Protects Your Business and Reputation
Coverage for Today’s Workplace Risks
Hagendoorn And Emond Insurance provides employment practices liability insurance (EPLI) in Stamford CT to help small businesses manage the legal and financial risks that come with managing people. From hiring and firing to promotion and workplace conduct, employee-related claims can arise unexpectedly—and the cost of defense alone can put your business at risk.
We help business owners across Fairfield and Westchester County understand EPLI coverage and integrate it into broader protection plans without overpaying for unnecessary add-ons.
What Does EPLI Typically Cover?
This type of coverage is designed to protect employers from claims made by employees, former employees, or even job applicants. Most EPLI policies include protection for:
Wrongful termination
Harassment (including sexual harassment)
Discrimination (age, race, gender, etc.)
Retaliation
EPLI does not typically cover intentional illegal acts or bodily injury (which would fall under general liability or workers’ comp). We help you understand where EPLI fits in—and where it doesn’t.
Who Needs EPLI Coverage?
If you have employees—even one—you may be exposed to liability. EPLI is especially valuable for:
Professional service firms
Contractors and trades
Medical and dental practices
Nonprofits with volunteer management
We help you assess risk factors based on your team size, industry, HR policies, and claims history—then quote coverage from trusted commercial carriers.
Frequently Asked Questions About EPLI
Is EPLI included in my general liability policy?
No. EPLI is a separate policy or endorsement. Most general liability and BOP (business owner’s policy) plans do not include employee-related claims.
How much does EPLI cost for a small business?
Pricing depends on number of employees, industry, claims history, and internal HR practices. Some policies start as low as a few hundred dollars annually.
What if I use independent contractors?
Depending on your role and legal relationship, EPLI may still be recommended. Claims can still arise from allegations of discrimination or misclassification.
Do I need employee handbooks or HR policies to qualify?
Carriers often ask for these during underwriting. We’ll help you understand what documentation strengthens your application and may lower premiums.
Is legal defense included in EPLI coverage?
Yes. Defense costs are typically covered even if the claim is groundless, up to the policy limits and subject to your deductible.