Employment Practices Liability Insurance matters for your business

insurance

When it comes to insurance coverage, many business owners overlook the importance of third-party EPLI (Employment Practices Liability Insurance). In this blog post, we will explore the significance of this type of coverage and share real-life examples that highlight its value. Understanding the role of third-party EPLI is crucial for protecting your business from potential lawsuits and ensuring a safe and inclusive working environment.

The Difference Between First-Party and Third-Party EPLI

To grasp the concept of third-party EPLI, it’s essential to differentiate it from first-party coverage. First-party EPLI primarily focuses on protecting your employees, while third-party EPLI extends that protection to customers, clients, or anyone your business interacts with. 

Real-Life Case: Ensuring Fair Treatment in Restaurants

A Food Testing Laboratory in Gainesville provided nutritional testing for major restaurant chains like Chick-fil-A and Arby’s. The daily frozen samples, delivered by an African American UPS driver, arrived on dry ice. While the receiving clerk always set up a table with coffee and donuts for vendors, the UPS driver was consistently excluded from this hospitality. After several years of unequal treatment, the UPS driver filed a gender discrimination lawsuit against the client.

A notable example

A notable example involves a restaurant chain called Wing House By advocating for third-party EPLI coverage. An insurance professional successfully negotiated a policy that protected the business from discrimination claims. 

The necessity of third-party EPLI expands beyond the restaurant sector. Its relevance is in industries like food testing laboratories, where interactions with vendors and delivery personnel can create legal challenges. Secondly, By examining a specific case involving a receiving clerk and a UPS driver. We can understand how third-party EPLI safeguards businesses from gender and racial discrimination allegations.

The Crucial Role of Third-Party EPLI Insurance

Businesses in customer-facing industries, such as bars or plumbing companies, face unique risks due to constant interaction with the public. Third-party EPLI is essential for these establishments as it shields them from potential lawsuits resulting from inappropriate employee behavior or offensive remarks.

EPLI role in protecting business

As an employer, it is crucial to understand the significance of third-party EPLI coverage and its role in protecting your business from employment-related lawsuits. Real-life examples have demonstrated how discriminatory actions or inappropriate behavior can lead to costly legal battles. By investing in third-party EPLI, you can mitigate the financial and reputational risks associated with such incidents and foster a safe, inclusive work environment. Don’t overlook the importance of this type of insurance—it could save your business from potential devastation.

Peace of mind

 Having EPLI coverage provides business owners and management with peace of mind, knowing that they have financial protection in place if employment-related issues arise. It allows them to focus on running their business and mitigating other operational risks, confident that they are prepared to handle potential legal challenges associated with employment practices.

Risk

From Policies to Profitability: How Strategic Risk Consulting Can Transform Middle Market Insurance Production – A Conversation with Doug Benz

Middle market producers often believe that bigger accounts come from quoting better, faster, or cheaper. But in reality, the leap from writing $5,000 policies to closing $1.2 million in premium starts with a different mindset. It starts with consulting over quoting. That’s exactly the story that unfolded at Producers in Paradise when Doug Benz shared how he landed the largest account of his career—not by selling insurance, but by solving problems no one else could.

This post breaks down the step-by-step strategy Doug and his mentor David Carothers used to win a high-stakes, complex account through total cost of risk analysis, claims data visibility, and certificate compliance solutions. If you’re a commercial producer trying to break into the middle market, this blueprint is for you.

Read More »
Risk

From InsurTech to Relationship-Driven Risk Management: Lessons for Modern Insurance Producers – A Conversation with Brett Fulmer

In a constantly evolving insurance landscape, commercial producers are being forced to adapt—quickly. Between InsurTech advancements, shifting market conditions, and increasing client expectations, producers must learn how to balance innovation with deep relationship-building and technical risk expertise. On a recent episode of the Power Producers Podcast, industry veteran David Carothers sat down with Brett Fulmer, principal at Newport Beach Insurance Center, to talk about navigating these dynamics with authenticity and strategy. What followed was a roadmap for producers who want to succeed in today’s middle market.

Read More »
Insurance

How Successful Insurance Producers Can Stay Grounded, Build Respect, and Avoid the Arrogance Trap

In the commercial insurance industry, success can come fast—especially for driven producers who are focused on the middle market. The money starts coming in, the book grows, and you find yourself standing in rooms where you once only dreamed of being. But with that success comes a subtle trap—one that’s caught more than a few top producers off guard: arrogance.

It’s not always loud or obvious. Sometimes, it’s the silent erosion of empathy. Other times, it’s the misplaced belief that your way is the only way. In this post, I want to explore how insurance producers can stay grounded even as their careers take off, how they can build respect by honoring where they came from, and how to avoid becoming the very kind of producer people whisper about after conferences for all the wrong reasons.

Read More »

Responses

 
 
 

  1. lastly, foster long-term Client Relationships A Mod-Focused strategy allows for the development of solid, long-term client connections. You may demonstrate your dedication to customer success by providing insights into insurance modifiers and their consequences. Working with clients to enhance their safety records, lower claims, and minimize losses builds confidence and loyalty. Clients are more likely to maintain a relationship with you and suggest your services to others if they see the tangible advantages of your Mod-Focused approach, such as lower insurance premiums and increased profitability.

To achieve success in insurance sales, creative ways that address the demands of clients are required. Adopting a Mod-Focused strategy distinguishes you in the industry by providing a distinct value proposition that connects with potential clients. So, take the first step and unleash your success in insurance sales today by utilizing the power of a Mod-Focused plan!

 
 
 

  1. lastly, foster long-term Client Relationships A Mod-Focused strategy allows for the development of solid, long-term client connections. You may demonstrate your dedication to customer success by providing insights into insurance modifiers and their consequences. Working with clients to enhance their safety records, lower claims, and minimize losses builds confidence and loyalty. Clients are more likely to maintain a relationship with you and suggest your services to others if they see the tangible advantages of your Mod-Focused approach, such as lower insurance premiums and increased profitability.

To achieve success in insurance sales, creative ways that address the demands of clients are required. Adopting a Mod-Focused strategy distinguishes you in the industry by providing a distinct value proposition that connects with potential clients. So, take the first step and unleash your success in insurance sales today by utilizing the power of a Mod-Focused plan!

 
 
 

  1. lastly, foster long-term Client Relationships A Mod-Focused strategy allows for the development of solid, long-term client connections. You may demonstrate your dedication to customer success by providing insights into insurance modifiers and their consequences. Working with clients to enhance their safety records, lower claims, and minimize losses builds confidence and loyalty. Clients are more likely to maintain a relationship with you and suggest your services to others if they see the tangible advantages of your Mod-Focused approach, such as lower insurance premiums and increased profitability.

To achieve success in insurance sales, creative ways that address the demands of clients are required. Adopting a Mod-Focused strategy distinguishes you in the industry by providing a distinct value proposition that connects with potential clients. So, take the first step and unleash your success in insurance sales today by utilizing the power of a Mod-Focused plan!

Killing Commercial Login