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Employment Practices Liability Insurance (EPLI)
Protecting Oregon Employers from Wrongful Termination, Discrimination, and Harassment Claims
Employment Practices Liability Insurance (EPLI)
Protecting Oregon Employers from Wrongful Termination, Discrimination, and Harassment Claims
Or Get A Free QuoteWhy Oregon Employers Need EPLI Coverage
Employment-related lawsuits are among the most expensive claims Oregon businesses face. A single wrongful termination, discrimination, or harassment claim can cost $100,000–$500,000 or more in defense costs and settlements — even when the employer did nothing wrong.
Gerald Ross Agency has been placing employment practices liability insurance for Oregon businesses since 1935. We work with carriers who understand Oregon's employment law environment and provide the EPLI coverage your business needs.
Why Choose Gerald Ross Agency?
- Independent agency — we work for you
- Explore coverage options for your needs
- Local Oregon Coast insurance guidance
- Serving Oregon Coast since 1937
- Help comparing coverage and policy terms
- Personalized service and claims advocacy
What EPLI Insurance Covers
Employment practices liability insurance covers claims by employees, former employees, and job applicants alleging wrongful employment acts.
Wrongful Termination
Covers claims by employees alleging they were terminated for illegal reasons — retaliation, discrimination, or violation of public policy. Wrongful termination is the most common EPLI claim in Oregon.
Discrimination Claims
Covers claims alleging discrimination based on protected characteristics — age, race, gender, religion, disability, sexual orientation, and other protected classes under Oregon and federal law.
Sexual Harassment
Covers claims alleging sexual harassment — both quid pro quo and hostile work environment claims. Sexual harassment claims are among the most expensive EPLI claims to defend and settle.
Retaliation Claims
Covers claims by employees alleging retaliation for reporting harassment, discrimination, or other protected activity. Retaliation claims are increasingly common in Oregon.
Failure to Promote
Covers claims alleging discriminatory failure to promote an employee based on protected characteristics. These claims are common in larger organizations with defined promotion processes.
Third-Party EPLI
Some EPLI policies extend to cover claims by customers, vendors, or other third parties alleging harassment or discrimination by your employees. This is especially important for hospitality and retail businesses.
Why Oregon Employers Choose Gerald Ross Agency for EPLI
Oregon Employment Law Expertise
Oregon has some of the most employee-friendly employment laws in the country. We understand the specific EPLI exposures Oregon employers face and work with carriers who write these programs correctly.
Serving Oregon Since 1935
Nearly 90 years of continuous service to Oregon businesses. We have placed EPLI coverage for Oregon employers across every industry — from hospitality and retail to construction and healthcare.
Independent Agency — Multiple Carriers
As an independent agency, we compare EPLI programs across multiple carriers to find the best combination of coverage and price for your business.
HR Resources Included
Many EPLI carriers include HR resources — employment practices hotlines, sample policies, and training materials — as part of the policy. We help you access these resources to reduce your EPLI exposure.
EPLI Insurance — FAQ
Common questions from Oregon employers about employment practices liability insurance.
What does EPLI insurance cover?
Do small Oregon businesses need EPLI insurance?
How much does EPLI insurance cost in Oregon?
Does EPLI cover wage and hour claims?
Still have questions? Contact our team for help.
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