Wrongful Termination Lawsuits
A fired clerk files a wrongful termination insurance claim asserting unlawful discharge after a missed shift.
Coverage
Employment Practices Liability (EPLI) Insurance for Convenience Stores
Protect your store against workplace lawsuits, employee disputes, and costly legal defense fees.
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Employment practices liability insurance for convenience stores provides protection from financial losses arising from employee claims of harassment, discrimination, and wrongful termination. This coverage is not for workplace injuries or customer slip and fall cases. While employers can take steps to minimize the risk of employment issues, it is a reality that every store owner with staff members on the payroll is open to risks on a daily basis.
What's covered
What EPLI Covers
An EPLI insurance small business policy covers legal actions on employment matters by current, former, and prospective employees. Coverage covers typical issues that arise in the workplace:
Know the gaps
What It Doesn't Cover
Employment practices are covered under EPLI, but bodily injuries, intentional crimes, and known violations are excluded. Typical coverage exclusions encompass:
Do you need it
Who Needs EPLI Insurance
This is a protection needed for every convenience store owner who has at least one employee. There's no need for you to be a corporate chain with a full HR department to make claims for employment. In fact, small stores face severe risk because they rarely have legal staff to shut down claims quickly.
EPLI is usually not mentioned in most insurance guides. However, defending a single unmerited workplace lawsuit can easily wipe out a small store's profits. Having EPLI secures your business against high attorney bills from day one.
Pricing
What EPLI Insurance Costs
An EPLI policy typically costs between $800 and $1,800 per year ($67 to $150 per month) for a small store. The overall price of your policy will be primarily based on your number of employees and annual payroll. The more claims are made in the past and the higher the turnover rate, the higher the premiums.
A well-drafted employee manual, job descriptions, and termination policies reduce your operational risk and help keep your premiums down. Check out our complete analysis of the costs of convenience store insurance.
What a claim looks like
Example Claim
A terminated employee sues for wrongful termination and unfair discrimination for his failure to appear for his scheduled shifts. Even though the store followed proper disciplinary steps and won the dispute, defending the suit required $15,000 in attorney fees. EPLI's reimbursement of these defense expenses saved the store operating money. EPLI coverage steps in to reimburse these legal defense expenses in full.
How it fits
How It Fits With Your Other Coverage
EPLI fills a distinct gap alongside your standard commercial insurance suite. It resolves workplace legal issues in parallel to workers' compensation insurance, which is for employee physical injuries. It also operates separately from general liability insurance, which handles customer injury claims.
The power of choice
We shop 30+ A-rated carriers so you don't have to.
- Travelers
- The Hartford
- Chubb
- Liberty Mutual
- Nationwide
- Zurich
- CNA
- Progressive
- Philadelphia Insurance
- Berkshire Hathaway GUARD
- biBerk
- AmTrust
- Employers
- Grange Insurance
- Columbia Insurance
- Encova
- Admiral Insurance Group
- Attune
- Coterie
- ERGO NEXT
- AmWINS
- CRC Group
- RT Specialty
- Burns & Wilcox
- Jencap
- Bass Underwriters
- Jimcor Agencies
- CharityFirst
Common questions
Frequently Asked Questions
Do I need EPLI if I only have a couple of employees?
Yes. There is exposure even if only one worker is employed. One employee's lawsuit can cost thousands of dollars in attorney fees. Small business owners must be covered because they may not have their own HR or legal team to respond to claims.
Does EPLI cover a claim that turns out to be false?
Yes. Even if the worker's claims are completely baseless, your policy covers attorney defense fees, court costs, and legal paperwork.
Get Covered
Protect your convenience store from costly employee lawsuits and attorney fees through Insure C-Store. Get tailored quotes designed for the right-sized EPLI coverage to safeguard your business operations. Request your tailored, budget-friendly insurance quote today.