We have your business covered.
Employment practice liability insurance customized to your business.
As an employer, you face a rising tide of employment practices litigation alleging discrimination, sexual harassment, retaliation, and other employment-related issues. We’ll work with you to help you assess and manage your risk proactively.
Employment Practice Liability Insurance in South Carolina
Even in the best-run workplaces, challenges can arise. An employee claim, whether it involves discrimination, sexual harassment, or wrongful termination, can create unexpected complications for your business.
Handling these situations often involves both legal costs and time. That’s why many companies choose Employment Practice Liability Insurance (EPLI).
At C.T. Lowndes & Co, we help South Carolina businesses, large and small, find the right EPLI coverage to manage risk and prepare for the unexpected.
Whether you’re leading a team of five or 500, we’re here to help guide you through the complexities of employment practices liability coverage and offer a policy that aligns with both your business and your budget.
Get a quote from C.T. Lowndes & Co today.
What is Employment Practice Liability Insurance?
Employment Practice Liability Insurance (often called EPLI) is a type of liability insurance designed to protect businesses from claims made by employees over workplace-related issues. These claims can stem from a wide range of wrongful acts, including:
- Harassment or sexual harassment
- Discrimination based on race, gender, age, disability, or religion
- Retaliation or hostile work environments
- Wrongful termination
- Violations in hiring, promotions, or pay practices
Even for alleged claims, defending your business in court costs money. EPLI policies help cover legal costs, settlements, and defense costs, so your company doesn’t have to shoulder the burden alone.
Who Needs Employment Practices Liability Insurance?
If you have employees, you need employment practices liability protection. It’s that simple.
Today’s workplace is complex. Employment related claims are on the rise, and even companies with strong employee handbooks, fair hiring processes, and experienced managers can find themselves facing lawsuits filed over perceived wrongful employment practices.
This type of liability insurance is especially important for:
- Small to mid-sized companies that may not have in-house HR or legal counsel
- Growing businesses taking on new employees
- Any employer concerned about potential employee claims
Even a single allegation of harassment or discrimination can lead to a lengthy legal battle. Without EPLI coverage, you could be left paying for it out of pocket.
What Does Employment Practices Liability Coverage Include?
EPL Insurance can be tailored to fit your business, but most policies cover:
- Defense costs from lawsuits whether you win or lose
- Settlements and damages related to covered employment related issues
- Claims of harassment, retaliation, discrimination, or wrongful termination
- Legal representation during mediation, arbitration, or court proceedings
Coverage depends on your industry, number of employees, prior claims history, and existing business insurance policies. You may also choose to bundle or purchase stand alone coverage depending on your risk factors and current needs.
Our team at C.T. Lowndes & Co works closely with insurers to offer you options for your specific business challenges.
Why Choose C.T. Lowndes & Co for EPLI?
When it comes to employment practices, there’s no room for guesswork. For over 175 years, C.T. Lowndes & Co has helped South Carolina businesses navigate the complex world of insurance, from general liability to EPLI.
What sets us apart:
- Local expertise with a statewide reach
- Access to top-rated insurance carriers
- One-on-one service from experienced agents
- Competitive quotes for your business
- A 4.8-star customer service rating
Get an Employment Practice Liability Insurance Quote
Whether you’re just starting out or looking to add EPLI coverage to your existing business insurance, C.T. Lowndes & Co is ready to help.
Get your EPLI quote today and see why industries across South Carolina trust C.T. Lowndes & Co to protect what matters.
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As an independent agency, we are here to help you find the right Employment Practice Liability Insurance coverage.
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Employment Practice Liability Insurance Quote Request
As an independent agency, we are here to help you find the right coverage.
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- Review options with an agent.
- Get the coverage you need.
