Employee Practices Liability (EPLI)
Protecting your nonprofit’s team—and reputation
Your staff and volunteers are the heart of your mission. But even with good intentions, misunderstandings and disputes can happen. Employment-related claims are one of the fastest-growing risks for nonprofits, often costing thousands to defend—even when unfounded.
That’s where Employment Practices Liability Insurance (EPLI) comes in.
At NonProfit Insuror South, we help nonprofit and human service organizations safeguard their leadership, finances, and reputation against employee-related lawsuits.
EPLI provides defense and indemnity coverage for claims related to how your organization manages employees, job applicants, or volunteers.
Even nonprofits with the best HR policies can face claims. EPLI ensures you have the resources to respond appropriately and protect your organization’s integrity.
What EPLI covers
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Wrongful termination or demotion
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Discrimination (age, race, gender, disability, etc.)
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Sexual harassment or hostile work environment
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Retaliation or whistleblower claims
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Failure to promote or improper evaluation
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Wage and hour disputes (limited coverage depending on carrier)
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Breach of employment contract
Why nonprofits need EPLI
No matter your size, if you have employees or volunteers, EPLI is an essential safeguard.
Human impact
Many nonprofits have close-knit teams where personal conflicts can escalate quickly.
Volunteer workforce
EPLI can often extend to cover volunteers and board members.
Legal costs
Defending a single claim can exceed $100,000—even without a settlement.
Contract requirements
rants, vendors, and government agencies may require proof of EPLI coverage.
Who should carry EPLI coverage
EPLI is critical for organizations such as:
providers
homes
organizations
providers
homes
Prevention: the first layer of protection
At NonProfit Insuror South, we don’t just sell coverage—we help you reduce risk through education and prevention. We can assist with:
Employee handbooks and policy reviews
Discrimination and harassment training resources
Documentation and performance evaluation best practices
Incident response guidance
Access to carrier HR hotlines and templates
Proactive steps that may even lower your premiums
Policy features and benefits
Defense costs inside or outside policy limits
overage for directors, officers, and supervisors
Optional third-party coverage for claims by clients, vendors, or the public
Legal helplines or HR consultation (available with select carriers)
Flexible limits from $250,000 to $5 million+
Crisis response and reputation management (depending on carrier)
How NonProfit Insuror South can help
Our advisors specialize in the unique challenges nonprofits face as employers.
We’ll review your current policies, identify potential HR-related gaps, and tailor EPLI coverage that fits your budget and mission
Protect your people—and your purpose
Employment disputes can happen to any organization, no matter how caring the culture. EPLI gives you the protection to handle them with confidence and compassion.
