Protecting What Matters Most — Your People and Your Reputation
Overview
As your business grows, managing people becomes one of your greatest responsibilities — and one of your biggest risks. Even when you do everything right, allegations of wrongful termination, harassment, or discrimination can put your company in the legal spotlight.
At Eastman Insurance Solutions, we help protect your business from costly employee-related lawsuits with customized Employment Practices Liability Insurance (EPLI) programs. Our coverage is designed for business owners who lead with integrity, but want protection from the unexpected.
Whether you manage a construction crew, oversee multiple care homes, or run a pest control company with field employees, our team ensures your EPLI policy fits your workforce and your exposures.
Industries We Serve
Trade Contractors
Employee disputes can arise even in tight-knit crews. Misunderstandings about promotions, overtime, or worksite conditions can quickly escalate.
Our EPLI coverage for contractors provides:
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Protection from claims of discrimination, retaliation, or wrongful termination.
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Defense coverage for both current and former employees.
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Optional third-party coverage for subcontractor or vendor-related claims.
We often bundle EPLI with Liability Insurance and Workers’ Compensation to build a stronger risk management foundation.
Residential Care Facilities & Health Services
In the care industry, employment risks are amplified by high turnover and emotionally demanding environments. Allegations of harassment or wrongful discharge can damage both finances and reputation.
EIS specializes in EPLI coverage for assisted living homes, behavioral health centers, and residential care providers, offering:
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Legal defense for employment-related claims.
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Reputation management and crisis response coverage.
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Support for HR policy development to help prevent future issues.
This coverage pairs seamlessly with Professional Liability and Commercial Property Insurance to protect your business inside and out.
Pest Control & Environmental Services
With employees working independently across client properties, field service operations face unique employment challenges. EPLI helps protect pest control businesses from:
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Allegations of wage and hour violations.
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Claims of discrimination, harassment, or retaliation.
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Third-party suits from clients or the public.
When combined with Commercial Auto Insurance and General Liability, you get complete coverage for the risks that come with field operations.
Asphalt & Construction Companies
Managing crews, supervisors, and subcontractors on high-pressure projects can lead to complex employment disputes. EPLI coverage provides:
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Legal defense costs, even for groundless claims.
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Coverage for past and present employees, and job applicants.
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Protection for leadership decisions under stressful conditions.
Our specialists understand construction employment challenges — from foreman disputes to compliance with labor regulations — and can integrate EPLI into your Business Owners Policy for comprehensive protection.
Why EIS-Texas
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Industry Expertise: We understand how employment risks differ between contractors, care facilities, and service companies.
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Top-Tier Carriers: Access to markets like Chubb, Travelers, and The Hartford for specialized EPLI coverage.
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Consultative Approach: We help you build preventive HR strategies and safety programs that reduce claim frequency.
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Integrity & Service: Rooted in faith and honor, our mission is to help you protect what matters most — your people, your purpose, and your future.
Frequently Asked Questions
1. What does EPLI cover?
EPLI protects your business against claims from employees alleging discrimination, harassment, wrongful termination, or retaliation. It typically covers legal defense costs, settlements, and judgments.
2. Is EPLI only for large companies?
No. In fact, small and mid-sized businesses are often more vulnerable because they lack dedicated HR departments. If you have employees, you need EPLI — regardless of company size.
3. Does Workers’ Comp or General Liability cover these risks?
No. Workers’ Compensation covers physical injuries; General Liability covers third-party bodily injury or property damage. EPLI specifically protects against employee lawsuits related to workplace conduct and management decisions.
4. How much does EPLI cost?
Pricing depends on your industry, number of employees, and claims history. EIS-Texas works with multiple carriers to deliver tailored, competitive quotes for your specific operation.
5. Can I combine EPLI with other business insurance?
Yes. Many businesses bundle EPLI into their Commercial Insurance Package for broader protection and premium savings.
Ready to Protect What Matters Most?
Don’t wait for a claim or contract dispute to find out your coverage isn’t built for you.
Call EIS Texas today to schedule your personalized consultation.
Or click below to start your free risk assessment—no pressure, just professional guidance.