Could Your Business Survive an Employee Lawsuit?
Employee claims against Texas businesses are rising—nearly 40% of small businesses faced an employee lawsuit last year. EPLI covers legal defense, settlements, and judgments if you’re accused of discrimination, harassment, wrongful termination, or other workplace violations. Whether claims are true or not, legal costs can quickly hit six figures. Broken Spoke Insurance helps protect your business, so one complaint doesn’t threaten everything you’ve built.
What EPLI Covers
Discrimination Claims
Includes age, race, gender, disability, and more
Harassment (including Sexual Harassment)
Covers claims of workplace harassment or hostile work environment
Wrongful Termination & Retaliation
Defense against accusations of being fired or disciplined unfairly
Hiring/Promotion Disputes
Claims from rejected candidates or promotion decisions
Wage & Hour Claims
Some policies include limited coverage for wage/hour issues—ask if this is needed
EEOC & Administrative Proceedings
Pays for legal representation during investigations, not just court cases
Common EPLI Gaps and Risks
Thinking “small businesses aren’t targets”—claims hit companies of every size
Relying solely on general liability (doesn’t cover employment disputes)
Not having written policies or employee handbooks (can increase risk)
Ignoring wage/hour exposure (many EPLI policies exclude or limit this—ask for specifics)
Failing to update coverage as you hire more staff
If You’re Not Sure What You Need
Only Have a Few Employees?
Even a staff of 5–10 can face claims—EPLI is not just for big companies.
Want to Reduce Risk?
We connect you with carriers who offer HR helplines, training, and policy templates to prevent claims before they start.
Need to Know if Wage & Hour is Covered?
Most standard EPLI policies exclude or limit wage/hour claims—ask us about special endorsements if you have risk here.
Guidance From Local Experts
Broken Spoke Insurance has helped employers across Texas—restaurants, contractors, clinics, and more—navigate sensitive employment claims. We’ll help you understand your exposures, compare EPLI quotes, and access HR resources so you’re never caught off guard.
Your Experience, Step by Step
First, we review your staff size, turnover, and employment practices. We recommend policy limits and coverages to fit your risk and budget, then shop carriers for the best value. Once covered, you’ll have access to legal defense, HR hotlines, and annual reviews as your business grows.
Compare Your Options Clearly
| Scenario/Need | Cyber Liability | General Liability | D&O Insurance | Management Liability Bundle |
|---|---|---|---|---|
| Covers employee lawsuits | Yes | No | Sometimes | Yes |
| Discrimination, harassment, retaliation | Yes | No | No | Yes |
| Covers hiring/firing/promotion disputes | Yes | No | No | Yes |
| Wage/hour dispute coverage | Limited/Optional | No | No | Sometimes |
Not sure what you need? We’ll help you choose.
Your Questions, Answered Clearly
What does EPLI cover?
Claims of discrimination, harassment, wrongful termination, and more. Many policies also help with legal defense for EEOC or administrative complaints.
Do small businesses in Texas need EPLI?
Yes—claims can hit companies of any size, and Texas follows federal discrimination laws.
Is wage and hour coverage included?
Usually not, or only in limited form—special endorsements may be available.
How much does EPLI cost?
Premiums vary based on staff, industry, and history. We shop the best rates for your situation.
Can EPLI help prevent claims?
Yes—many carriers include HR support, best practices, and policy templates as part of coverage.
Protect Your Business From the Inside Out
When employee disputes threaten your company, EPLI is your safety net. Let Broken Spoke Insurance help you defend your business and stay focused on growth—even during the toughest HR challenges.