Today, an increasingly common and increasingly costly liability claim against businesses involve employment issues. These can be based on discrimination (in hiring, terminating, promoting, and others), harassment, and sexual harassment.

According to a 2013 survey by a large insurance company, the average cost to settle an employment-related lawsuit claim is $125,000. And when cases go to court, the median judgment is about $200,000 with one-quarter of judgments exceeding $500,000!

The Employment Related Practices Insurance policy, or EPLI, is designed to address the liability issues that come from employment related practices.