Employment Practices Liability Insurance
What Is Employment Practices Liability Insurance?
Employment Practices Liability Insurance protects your business from claims related to:
Wrongful termination
Discrimination (age, gender, race, etc.)
Sexual harassment
Retaliation
Failure to promote
Negligent evaluation
Breach of employment contract
Mismanagement of employee benefits
Without EPLI, just one lawsuit can cost thousands in legal fees—even if you’re found not liable
Why Do Restaurants Need EPLI?
In high-turnover industries like hospitality, employment disputes are increasingly common. Whether it’s a claim of favoritism during scheduling or a sexual harassment allegation, your restaurant is at risk.
EPLI helps you:
Safeguard your reputation
Cover legal defense costs and settlements
Demonstrate professionalism and care to your employees
Reduce your restaurant business insurance cost in the long term by managing risk
How Much Does EPLI Cost?
Wondering how much is insurance for a restaurant when EPLI is included? On average:
EPLI premiums start around $800 to $3,000 per year, depending on the size of your staff, claims history, and location.
If you’re already asking how much is restaurant insurance per month, adding EPLI typically increases your premium by $50–$150/month.
Get a tailored quote from a restaurant insurance broker Melbourne, or compare policies if you’re in the restaurant insurance UK or New York restaurant insurance markets.
Combine EPLI with Other Essential Coverages
EPLI works best when combined with other important policies, including:
General Liability Insurance
Workers’ Compensation
Health insurance for restaurant employees
Restaurant equipment insurance
Business interruption insurance
Restaurant recovery insurance
A bundled approach helps you reduce the restaurant business insurance cost and simplifies your coverage management.
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