EPLI insurance California employers can count on

Protection from employee allegations

Employment practices liability insurance California employers use helps defend claims alleging harassment, discrimination, retaliation, or wrongful termination. It pays defense costs and, when covered, settlements or judgments brought by employees, applicants, or former staff. In Orange County, customer-facing firms also add third party coverage for claims from clients or vendors in public spaces.

Risk management and HR resources

Strong handbooks, documented training, and a consistent complaint process lower claim frequency and support better terms at renewal. Many carriers include hotlines, policy templates, and compliance tools. We time training with policy inception, track acknowledgments, and coordinate with workers’ comp on return to work issues to present a complete approach.

Practical defense with clear documents

We align training calendars, update handbooks, and structure retentions to match cash flow. Philip B. Robinson Insurance coordinates with directors and officers when leadership needs broader protection and keeps certificates current for lenders and investors.

Outline of California state.

  • Are wage and hour claims covered?

    Many policies exclude wage and hour but offer a defense only sublimit for allegations like unpaid overtime. We explain limits and retentions for these endorsements and show when stand-alone options are available.

  • What limit should my business carry?

    Limits depend on employee count, industry, turnover, and loss history. We model defense cost scenarios and recommend limits that reflect local litigation costs and your risk appetite.

  • Can EPLI be bundled with D&O?

    Yes. Management liability packages can include D&O, EPLI, and fiduciary. Bundling can simplify underwriting and improve pricing while keeping separate limits for each coverage part.

  • Do small businesses in California really need EPLI?

    California has an active employment law environment, so even small teams face exposure. EPLI provides access to experienced counsel and structured defense, which can be critical for first-time claims.

  • Does EPLI cover claims from customers or vendors?

    Add third party coverage to address allegations from non employees, such as harassment claims in a storefront or service setting. We confirm the endorsement is included when your operations are public facing.

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Why Philip B. Robinson Insurance for EPLI

Philip B. Robinson Insurance compares EPLI forms, clarifies wage and hour sublimits, and matches retention amounts to your risk tolerance. We integrate coverage with D&O when boards or investors are involved and provide renewal checklists so hiring changes, layoffs, or acquisitions are disclosed properly. For retail and hospitality near Dana Point and Laguna Beach, we add third party coverage to address customer interactions.

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Add umbrella protection today

Share your current policies and any contract requirements. We will return clear options and a plan to put the right excess liability in place for your Orange County operations.