People Risk is Real Business Risk
Coverage for Employment-related Claims
Employment practices liability insurance, or EPLI, helps protect Florida employers from claims tied to workplace issues. That includes allegations of wrongful termination, discrimination, harassment, retaliation, or failure to promote. Even when a business does everything right, defending these claims can be expensive and time-consuming.
GM Insurance Underwriters works with Florida contractors, offices, and small businesses that want a stronger
liability program around their employees. As teams grow, so does exposure, especially in industries with seasonal hiring or high turnover.
How EPLI Fits Your Broader Coverage
Part of a Complete Business Plan
EPLI doesn’t replace workers’ compensation or general liability. It handles a different category of risk that comes from employment decisions and workplace conduct. Most Florida employers carry EPLI alongside general liability, commercial property, workers’ comp, and cyber coverage for a well-rounded protection plan.
Because GM Insurance Underwriters is independent, we can
compare carriers and show you how terms differ, including deductibles, defense structures, and optional third-party coverage for claims by customers or vendors.
Questions Florida Employers Ask Most
Is EPLI required in Florida?
No, but it is increasingly common for businesses with employees, especially those that are growing or public-facing.
Does EPLI cover wage and hour claims?
Some policies offer limited options, but wage and hour coverage is often restricted. We’ll explain what is available for your industry.
How is EPLI priced?
Pricing depends on payroll size, industry, claims history, and internal HR practices. We’ll recommend a practical range based on your exposure.