Coverage
Employment Practices Liability for Security Companies
Protection against guard disputes, wrongful termination claims, discrimination allegations, and harassment lawsuits.
Employment practices liability insurance protects security companies against claims made by employees alleging wrongful employment actions. The security industry's high turnover rates and demanding conditions make security companies particularly susceptible to EPLI claims.
What It Covers
EPLI covers claims from wrongful termination, discrimination, sexual harassment, retaliation, and wage and hour disputes. These are common in the security industry where turnover exceeds 100 percent annually at many companies.
Wage and hour disputes, including unpaid overtime and misclassification of employees, have become increasingly common in the security industry.
Why Security Companies Face Higher EPLI Risk
High employee turnover creates a large pool of potential claimants. Scheduling decisions and post assignments can appear discriminatory. Physical fitness requirements, uniform standards, and weapons qualifications add additional exposure layers.
Security work involves supervisory structures that can generate claims if employees perceive assignment patterns as biased.
Key Coverage Features
- ●Wrongful termination defense and settlement costs
- ●Discrimination claims based on protected characteristics
- ●Sexual harassment allegations by employees or third parties
- ●Retaliation claims following complaints or whistleblowing
- ●Wage and hour dispute coverage
- ●Defense costs for EEOC charges and state agency investigations
- ●Claims by prospective employees alleging discriminatory hiring