Short answer
Employment practices liability insurance covers claims by employees against your business over workplace issues such as wrongful termination, discrimination, harassment, and retaliation, including the cost of defending them. Any business with employees can face these claims, and they are not covered by general liability or workers' compensation.
EPLI addresses a gap other policies leave open. General liability handles third-party injury and property damage, and workers' compensation handles on-the-job injuries, but neither responds to an employee alleging wrongful termination, discrimination, harassment, or similar workplace claims. EPLI covers defense costs and damages for those.
These claims can come from current, former, and sometimes prospective employees, and defending one is expensive even when the business did nothing wrong. Businesses with employees are the natural buyers, and the right limit scales with headcount and exposure.
Related
Browse more questions and answers.