Employment Practices Liability Insurance (EPLI): Protecting Your Business in Arizona
In today’s evolving workplace, businesses face more liability risks than ever before. Whether you run a small local shop in Surprise or manage a growing company in Peoria, one thing remains constant: your employees are your greatest asset — and your greatest liability risk.
From hiring and onboarding to performance evaluations and terminations, even the most well-intentioned employer can face legal claims. That’s where Employment Practices Liability Insurance (EPLI) becomes essential.
Why EPLI Matters More Than Ever
Workplace-related lawsuits are rising across the country. Even a single claim — whether valid or not — can cost a business thousands of dollars in legal fees, settlements, and lost productivity.
📊 According to the Equal Employment Opportunity Commission (EEOC):
- Over 73,000 workplace discrimination charges were filed in the U.S. last year.
- The average cost of settling an EPLI claim is $160,000.
- 41% of EPLI lawsuits are filed against small businesses with fewer than 100 employees.
For businesses in Arizona, especially those in high-growth regions like Glendale, Goodyear, Buckeye, Phoenix, and Surprise, protecting yourself from employee-related claims is no longer optional — it’s critical.
What Does EPLI Cover?
Employment Practices Liability Insurance provides financial protection against claims such as:
- Wrongful termination
- Discrimination (age, race, gender, disability, etc.)
- Sexual harassment
- Retaliation
- Failure to promote
- Breach of employment contract
- Wrongful discipline
- Negligent evaluation
Even if a claim is completely unfounded, the legal defense cost alone can put tremendous strain on your business.
Why Arizona Businesses Need EPLI
Arizona is one of the most rapidly expanding business regions in the U.S. With growth comes hiring — and with hiring comes risk. More employees means more opportunities for misunderstandings, disputes, or legal claims.
Whether you operate:
- A restaurant in Phoenix
- A retail store in Avondale
- A healthcare practice in Sun City West
- A contracting business in Buckeye
…EPLI is a must-have insurance safeguard.
How Ideal Insurance Agency Helps
At Ideal Insurance Agency, we help business owners:
- Understand their specific risks
- Choose the right EPLI policy based on industry and staff size
- Stay compliant with changing employment laws
- Strengthen internal HR policies
We serve businesses across Surprise, Glendale, Peoria, Avondale, Goodyear, Phoenix, Sun City, Sun City West, Buckeye, and Wickenburg.
Final Thoughts
No business can control every interaction between employees — but you can protect your business from the financial impact of employment-related claims. EPLI offers peace of mind and long-term protection so you can focus on growing your company.
👉 Ready to protect your business? Contact Ideal Insurance Agency today for a customized EPLI quote.
If you live in Glendale, Surprise, Peoria, Avondale, Buckeye, Goodyear, Phoenix, Sun City, Sun City West, or Wickenburg, AZ, Ideal Insurance Agency is here to guide you through every step of choosing the right life insurance plan.
💡 Take action today—because tomorrow is never guaranteed.
📞 Contact Ideal Insurance Agency to discuss your life insurance options and protect what matters most.
Do you need assistance selecting the best insurance? For more information, please call below numbers :
📍Glendale, AZ | Call us at 602-938-7579
📍Grand Junction | Call us at 970-852-2981