Nowell Agency, Inc. > Insurance News > Why Do You Need Employment Practices Liability Insurance in Mississippi?

Why Do You Need Employment Practices Liability Insurance in Mississippi?

Protect Your Business from Employee Lawsuits

Did you know that you are at risk for an employment claim from the time you interview a prospective employee? Employment Practices Liability Insurance (EPLI) was designed to provide protection for employers from the wide range of claims that could be brought against them from employees crying foul. Discrimination (based on sex, race, age or disability), failure to promote, harassment, breach of contract, emotional distress and wrongful termination are just a few examples of the employment-related issues that could be raised against you. While large corporations typically have a protection strategy and some kind of EPLI in place, many small and medium business owners are unaware of these hidden problems until faced with expensive court battles that could shut down their operations.

An article in drew attention to the importance of Employment Practices Liability Insurance for businesses of all sizes. We have summarized the 5 critical points that you must pay attention to:

  • Every business that has employees needs this type of protection
  • Coverage must fit business needs and size; EPLI is not a one-size-fits-all investment
  • All employees, even part-time staff, should be covered by your EPLI plan
  • EPLI coverage should include court proceedings as well as arbitration
  • Consider additional coverage for privacy issues and to cover the umbrella emotional distress complaint.

Mississippi is among States with the Highest Employee Lawsuit Risk

While EPL insurance does not eliminate employee-related issues, it can help you avoid the catastrophic results of a potential lawsuit against the business you have worked so hard to build. The 2015 Hiscox Guide to Employee Lawsuits report about states with the highest risk (for 2014) put Mississippi at no. 4, stating that it was 39% more likely to receive a charge when compared to the average.

Hiscox’s representative study of 446 closed claims reported by small to medium-sized enterprises (SMEs) with fewer than 500 employees presented in the report also had some eye-opening findings.

  • 19% of employment charges resulted in defense and settlement costs averaging a total of $125,000
  • On average, these matters took 275 days to resolve
  • Without EPL insurance, these companies would have been out of pocket by an extra $90,000 as the average self-insured retention (deductible) for these charges was $35,000.

Affordable Employment Practices Liability Insurance in Mississippi

Navigating the complex world of Employment Practices Liability Insurance and determining what to include or exclude from your policy can be overwhelming. The experienced brokers at The Nowell Agency have over 30 years of experience with business insurance. We will explain what policies are available and customize the best package for you. Our strong market position and access to a wide range of commercial insurance products enables us to offer you tailored coverage to meet your specific business needs. One of our brokers will be happy to discuss your options and provide you with competitive quotes for Employment Practices Liability Insurance in Mississippi.

Request a quote for employment practices liability insurance in Mississippi or call a location near you to schedule a meeting with a knowledgeable and experienced broker at The Nowell Agency. We have 7 offices in Mississippi to serve you.


The Nowell Agency is committed to providing you with fast and efficient service. If you would like a quote on any of our products please complete the short form below and click submit.

Get A Quote Form



    The Nowell Agency has been my primary agent for many years and they are attentive, well-staffed, and easy to talk to. Their agency has helped me through state to state moves and career change and kept my assets covered.

    James G.

    My very first insurance experience was when I bought my first house and I called the Nowell agency for a quote. I had no idea what I needed or how much and they were so very kind and knowledgeable and explained everything to me in detail which I so much appreciated. That has been 4 years ago and im still a customer never plan to leave.

    Ashleigh D.

    I have been very pleased with the quick and professional service by the Nowell agency. My agent was very efficient at locating a policy that met my needs and budget. Thank you to Kristy and the Nowell agency for providing me with fantastic customer service. I highly recommend this agency. You will not be disappointed.

    Tripp W.


    cheap general liability insurance near me

    General Liability Risks for Businesses


    September 16, 2022

    The reality of doing business is that your organization is going to face risks. The dangers that threaten your livelihood can result in your business being held accountable for legal and financial responsibilities that can quickly become overwhelming. As a result, many business owners purchase insurance policies for protection against the fallout of such losses. […]

    Best Home-Based Business Insurance


    September 16, 2022

    If you operate a home-based business, it’s i...

    How to Clean Up After a Flood


    September 01, 2022

    Floods can be devastating, leaving your home or bu...