Employment Practices Liability Insurance (EPLI) for Salons & Spas
Employment Practices Liability
Managing employees is one of the most rewarding—and challenging—parts of running a salon or spa. Even when you make thoughtful hiring and management decisions, employment-related claims can arise.
Employment Practices Liability Insurance (EPLI) helps protect your business from certain employment-related claims, such as wrongful termination, discrimination, harassment, retaliation, and other covered workplace allegations. Depending on the policy, EPLI may help pay legal defense costs, settlements, and judgments for covered claims.
At Provident Financial Group, we compare Employment Practices Liability Insurance from multiple A-rated insurance companies to help salon owners, spas, barber shops, nail salons, and beauty professionals protect their businesses with customized coverage.
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What Is Employment Practices Liability Insurance (EPLI)?
Employment Practices Liability Insurance (EPLI) is designed to help protect employers against certain claims made by current employees, former employees, or job applicants alleging wrongful employment practices.
Employment-related lawsuits can be expensive to defend—even if the allegations are ultimately unfounded. EPLI can help businesses manage the financial impact of covered employment claims by helping with legal defense costs and other covered expenses, subject to the policy’s terms, conditions, and exclusions.
What Does EPLI Cover?
Employment Practices Liability Insurance may help protect your business against covered employment-related claims such as:
Wrongful Termination
Claims alleging an employee was terminated illegally or unfairly.
Workplace Discrimination
Claims involving alleged discrimination based on protected characteristics such as age, race, religion, sex, disability, or other protected classifications under applicable law.
Harassment
Coverage may apply to certain allegations of workplace harassment, including sexual harassment, subject to the policy terms.
Retaliation
Claims alleging an employer retaliated against an employee for reporting concerns, filing complaints, or participating in protected activities.
Failure to Hire or Promote
Claims alleging unfair hiring or promotion decisions.
Legal Defense Costs
One of the most valuable benefits of EPLI is helping pay attorney fees, court costs, and other legal expenses associated with covered employment claims.
Why Do Salons Need EPLI?
Even small salons can face employment-related claims. As your business grows and you hire additional employees, your exposure to workplace disputes also increases.
Common employment-related allegations include:
• Wrongful termination
• Workplace harassment
• Employment discrimination
• Retaliation
• Failure to hire
• Failure to promote
• Defamation
• Invasion of privacy
Even when a claim has little merit, the cost of defending your business can be significant. Employment Practices Liability Insurance helps provide valuable financial protection against covered claims.
Who Should Carry EPLI?
Employment Practices Liability Insurance is recommended for nearly every salon or spa that has employees.
Businesses that commonly benefit from EPLI include:
• Hair Salons
• Nail Salons
• Barber Shops
• Medical Spas
• Day Spas
• Massage Therapy Businesses
• Estheticians
• Multi-location Salon Businesses
Whether you have two employees or fifty, employment-related claims can occur in businesses of every size.
What Isn’t Covered?
Employment Practices Liability Insurance does not cover every employment-related issue.
Many policies exclude or limit coverage for:
• Wage and hour disputes
• Unpaid overtime claims
• Workers’ Compensation claims
• Bodily injury
• Property damage
• Criminal or fraudulent acts
• Intentional violations of law
Our experienced agents will review your policy carefully so you understand what is and isn’t covered before selecting your coverage.
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