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MEMIC EPLI
MEMIC Employment Practices Liability Insurance (EPLI) helps protect employers from the financial impact of covered employment-related claims. Learn how EPLI works, what it may cover, and how to add coverage to your policy.
EPLI Availability
EPLI is available to MEMIC workers' compensation policyholders in Maine. Contact your insurance agent and tell them you'd like to add it to your workers' compensation policy.
Protect your business from employment-related claims
If you’re a MEMIC policyholder in Maine, you may be able to add affordable Employment Practices Liability Insurance, or EPLI, to your workers’ compensation policy.
EPLI helps protect your organization from employment-related claims and includes access to specialized legal defense. Coverage is available through MEMIC’s partnership with Beazley, a Lloyd’s syndicate specializing in employment practices coverage.
Coverage may apply to claims involving:
- Discrimination
- Sexual harassment
- Wrongful termination
- Retaliation
- Wrongful discipline
- Negligent evaluation
- Failure to hire or promote
- Breach of an employment contract
- Deprivation of career opportunities
- Wrongful infliction of emotional distress
Employment-related claims can affect organizations of any size. EPLI helps protect your business from the legal expenses and financial uncertainty these claims may create.
Getting started
How to get MEMIC EPLI
Employment Practices Liability Insurance is available to eligible Maine employers with a MEMIC workers’ compensation policy.
If you already have a MEMIC policy
Talk with your insurance agent before your workers’ compensation policy renewal. EPLI can be added at renewal. No application is required for the standard endorsement.
If you’re considering MEMIC coverage
Talk with an independent insurance agent about requesting workers’ compensation coverage from MEMIC and adding EPLI. Your agent can help you understand your options and eligibility.
Don’t have an agent? Use our agent finder to connect with an independent agent who partners with MEMIC and can help you find coverage that’s right for your business.
Frequently Asked Questions
MEMIC EPLI is employment practices liability insurance available to eligible Maine policyholders as an endorsement to a MEMIC workers’ compensation policy. It is not sold separately.
Coverage is offered through MEMIC’s partnership with Beazley, a Lloyd’s syndicate specializing in employment practices coverage.
Any employer may face an employment-related claim, regardless of the organization’s size. EPLI can help protect your organization from covered claims and related legal defense expenses.
Most MEMIC policyholders in Maine qualify for the standard EPLI endorsement.
The following are not eligible for the standard endorsement:
- Household staff, unless incidental, including NCCI Class Codes 0908, 0913, 0909, and 0912
- Temporary staffing companies when the staffing company is the named insured
- Professional Employer Organizations, or PEOs, when the PEO is the named insured
- Policyholders with more than 100 employees, due to statutory limitations
MEMIC may be able to arrange coverage for employers with more than 100 employees through Beazley. Contact your insurance agent to discuss available options.
No application is required for the standard MEMIC EPLI endorsement.
Enhanced coverage options require a brief supplemental application and underwriting review. Contact your insurance agent for more information.
Standard coverage provides:
- A $100,000 limit
- A $5,000 deductible
Options may be available for a $2,500 deductible or a $250,000 limit. Contact your insurance agent to discuss available limits and deductibles.
Additional options may include:
- Coverage for acts by or against a third party
- Coverage for certain acts that occurred before the current policy
- Punitive damages coverage
Enhanced coverage requires underwriting review. Prior acts coverage requires a previous EPLI policy that remained in force without a lapse in coverage.
Contact your insurance agent to discuss your organization’s needs.
Standard MEMIC EPLI costs $32 per full-time equivalent employee per year for coverage with a $100,000 limit and a $5,000 deductible.
There is no minimum premium. For example, the annual premium for an eligible organization with one full-time equivalent employee would be $32.
Other limits, deductibles, and enhanced coverage options are available. Some businesses and employers with previous EPLI claims may be subject to a 25% surcharge.
Contact your insurance agent for an exact quote.
For EPLI pricing:
- Count each full-time employee as 1
- Count each part-time employee as 0.5
- Add the totals and round to the nearest whole number
Active owners, officers, and board members must be included in the calculation, even when they are excluded from workers’ compensation coverage.
Already have MEMIC EPLI?
Manage your EPLI coverage
Report an EPLI claim or potential claim, or access support and resources to help manage employment risks.