American African Agent Showing Company Insurance Policy Document

General Liability Insurance Isn’t Enough: You Need EPLI

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Many business owners assume that their general liability insurance covers all risks—but that’s a common misconception. In reality, general liability provides narrow protection, covering bodily injury and property damage to third parties only.

This means that internal issues, such as employee disputes, management liability, and workplace allegations, are not covered unless a business has specific policies in place. One of the most critical forms of protection? Employment Practices Liability Insurance (EPLI).

What General Liability Insurance Covers—And What It Doesn’t

General liability insurance is designed to protect businesses from third-party claims, such as:

  • Bodily injury – A customer slipping and falling in your store
  • Property damage – Accidentally damaging a client’s equipment
  • Advertising liability – Unintentional copyright infringement

What it does not cover are employee-related disputes and management liability—some of the most common and costly claims businesses face.

“General liability is a very narrow coverage—bodily injury and property damage to third parties only. That’s it.” — Peter Katkov, CEO, Apex Risk & Insurance Services

EPLI: The Most Active Area of Claims

The biggest legal threats to a business often come from within. Employment practices liability insurance (EPLI) covers the costs of defending against:

  • Wrongful termination
  • Sexual harassment
  • Discrimination
  • Hostile workplace allegations

“EPLI is absolutely our most active area of claims. We manage way more claims on employment practices liability than any other line of coverage that we write.” — Peter Katkov

Even if allegations are completely unsubstantiated, businesses must still defend themselves—and legal fees alone can be devastating. EPLI ensures that business owners aren’t left paying out of pocket for costly employee-related lawsuits.

Protecting Your Business with EPLI

EPLI coverage is relatively easy to obtain, affordable, and—most importantly—critical to protecting your company’s financial health.

“It’s not terribly difficult to get, not terribly expensive, but super valuable at protecting the balance sheet when the inevitable happens to your workforce.” — Peter Katkov

Every business with employees faces risks. Without EPLI, a single claim could cost thousands in legal fees—even if you’ve done nothing wrong.