Employment Practices Liability Insurance (EPLI)
Employment Practices Liability Insurance (EPLI) is coverage that protects your restaurant from employee lawsuits alleging wrongful termination, discrimination, harassment, retaliation, wage violations, or other employment-related claims.
What You Need to Know
EPLI covers legal defense costs and settlements when employees sue over employment issues. Without it, even frivolous claims can cost $50,000+ to defend, and serious claims can result in six-figure settlements.
Why It Matters for Restaurant Owners
Restaurant work environments — with diverse staff, young employees, tipped positions, and high turnover — create elevated risk for employment claims. Sexual harassment allegations, discrimination claims, and wage/hour disputes are common in the industry.
EPLI is essential once you have more than 3-5 employees. It typically excludes wage/hour claims unless specifically added, so verify your policy includes this if you employ tipped workers or have complicated scheduling.
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