FARMERS OF SALEM'S Employment practices Liability coverage

Farmers of Salem offers Employment Practices Liability (EPL) Coverage on our Business Owners Program adding another key coverage for the small and medium sized commercial policyholders.

The coverage gives smaller businesses easy and affordable protection against claims of discrimination, sexual harassment, wrongful termination and other unlawful employment practices.  In addition, coverage is provided for full prior acts with an option to add third party coverage to further broaden the EPL coverage.  The EPL coverage is essential in today's changing workplace.

Farmers of Salem's EPL Program offers:

  • Broad, affordable EPL coverage with substantial limit options and a range of deductible options.
  • Access to dedicated local expert claim services and a web based EPL Loss Prevention service to support the management of EPL exposure.
  • Access to experienced legal advice is available through the EPL Legal Advice Helpline at
    1-877-LAW-4EPL
  • Meaningful limit options to cover the full EPL exposure including defense costs within limits.
  • No separate underwriting process or application necessary for employers with 50 or less total employees or limits at or below $250,000.
  • Availability of EPL coverage on a "refer-to-company" basis for employers with 51-250 total employees or limit options of $500,000 or $1,000,000.

Employment Practices Liability (EPL) Coverage Webinar

Employment Practices Liability (EPL) Coverage FAQs

Employment Practices Liability (EPL) Loss Prevention Website

  • Before you can begin to utilize the site, you must register yourself and organization.  Click Here for instructions.


For our Business Owner Policyholders:

Access to affordable, broad EPL coverage
Elimination of coverage gaps
Meaningful limit options to cover the full EPL Exposure, not just defense costs
Access to dedicated local expert claim services, specialty employment law firms and Web Based EPL Loss Prevention service to help support the management of EPL Exposure

For you our Agency Partners:

Product and service differentiation
Protection from E&O Exposures
Revenue Growth Opportunity
Additional Commission Income
Ease of Use - no separate application and underwriting process
Education available for you and your staff