EPLI Cost for Law Firms
Employment Practices Liability Insurance protects law firms against claims from employees alleging wrongful termination, discrimination, sexual harassment, or retaliation. Even firms with strong HR practices face EPLI exposure because employment claims are common, expensive to defend, and often unrelated to whether the firm actually did anything wrong. EPLI is particularly important for firms with five or more employees.
Typical Range:$2,000-$10,000/year
Key Pricing Factors
- Number of employees, including attorneys, paralegals, and administrative staff
- Employee turnover rates, which correlate with higher claim frequency
- Firm's HR practices, including whether an employee handbook and documented procedures exist
- Prior employment-related claims or EEOC charges in the past five years
- Industry-specific risk factors and jurisdiction (some states have more plaintiff-friendly employment laws)
- Whether the policy includes third-party coverage for claims by clients or opposing counsel
Tips to Reduce Your Premium
- Maintain a current, state-compliant employee handbook reviewed annually by an employment attorney
- Conduct documented anti-harassment and anti-discrimination training at least annually
- Use consistent, documented termination procedures with attorney review before any involuntary separation
- Consider a higher deductible or SIR if the firm has a clean employment claims history
- Bundle EPLI with D&O or management liability coverage for multi-policy discounts
Get an accurate quote for your firm
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