ASSOCIATIONEPLI INSURANCE
EMPLOYMENT PRACTICES LIABILITY FOR ASSOCIATIONS THAT EMPLOY STAFF.
IF YOUR ASSOCIATION EMPLOYS ANYONE, YOU CARRY EPLI EXPOSURE.
Community associations that employ maintenance workers, groundskeepers, pool staff, fitness monitors, clubhouse attendants, or administrative employees carry employment practices liability. A single wrongful termination or harassment claim from one employee can produce defense costs and settlements that dwarf the association's operating budget.
Full-time or part-time workers maintaining buildings, grounds, and common areas.
Administrative assistants, bookkeepers, and front-desk staff at the association office.
Pool lifeguards, fitness monitors, clubhouse attendants, and event coordinators.
On-site management company employees who report to the board create co-employer exposure.
TAP EACH CLAIM TYPE TO SEE THE EXPOSURE.
Employment claims come in several forms. Each triggers EPLI differently. Tap to explore.
GOVERNANCE CLAIMS AND EMPLOYMENT CLAIMS TRIGGER DIFFERENT POLICIES.
A homeowner suing the board over a special assessment is a D&O claim. A maintenance worker suing the board over a wrongful termination is an EPLI claim. The two policies cover entirely different exposures and do not overlap. Associations that employ staff need both D&O and EPLI — carrying one without the other leaves a coverage gap that the remaining policy cannot fill.
Kelly Insurance Group structures both policies together so the limits, retentions, and coverage terms coordinate properly. For associations with larger workforces, we also coordinate EPLI with workers' compensation to address the full employment risk spectrum.
ASSOCIATION EPLI — ANSWERED.
WHAT DOES EPLI COVER FOR AN ASSOCIATION?
Claims from employees alleging wrongful termination, discrimination, harassment, retaliation, and wage violations. Covers defense costs, settlements, and judgments for the association and named individuals.
DOES A SMALL ASSOCIATION WITH FEW EMPLOYEES NEED EPLI?
Even one W-2 employee creates EPLI exposure. A single wrongful termination claim can produce costs exceeding the annual operating budget. The smaller the staff, the more damaging one claim is.
DOES EPLI COVER VOLUNTEER CLAIMS?
Standard EPLI covers employees. Some policies can be endorsed for volunteer claims. Associations relying on volunteer committees should confirm whether the EPLI extends to volunteers.
WHAT IS THE MOST COMMON ASSOCIATION EPLI CLAIM?
Wrongful termination. A maintenance worker or groundskeeper is terminated and alleges discrimination or retaliation. Defense costs alone can reach five figures before settlement.
IS EPLI THE SAME AS D&O?
No. D&O covers governance decisions. EPLI covers employment claims. A homeowner suing the board is D&O. An employee suing the board is EPLI. Associations with staff need both.
DOES THE ASSOCIATION NEED EPLI IF IT USES A MANAGEMENT COMPANY?
If management company employees work on-site and report to the board, the association can be named as co-employer. Carry your own EPLI and require the management company to carry theirs.
PROTECT YOUR ASSOCIATION FROM EMPLOYMENT CLAIMS.
Kelly Insurance Group builds EPLI coverage for associations of every size — from one maintenance worker to a full staff. Since 1881.
The availability of coverage and eligibility for coverage can depend on numerous factors. We cannot guarantee that all customers, individuals, and businesses looking for coverage will be successful in these efforts when contacting our team. All policy coverages and terms need to be fully reviewed by the respective consumer to ensure the coverage asked for is what is specifically being quoted or provided by any insurance policy. Insurance Policies, Coverage Changes, and their terms and conditions are not bound or altered until written confirmation is provided by one of our licensed team members or underwriters. This page does not offer legal advice, legal opinions, or policy interpretations. Rather, this page is meant as a resource to help provide customers and insurance consumers with additional considerations that may help in their insurance buying or pursuit of insurance information. Kelly Insurance Group does not employ or direct attorneys.
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Disclaimer: Coverage availability and eligibility may depend on underwriting review, carrier guidelines, policy terms, state requirements, business operations, risk characteristics, and other information provided during the application or quoting process. Kelly Insurance Group cannot guarantee that every individual, customer, organization, or business seeking coverage will qualify for, receive, or successfully place insurance coverage. All policy coverages, exclusions, conditions, limits, endorsements, and terms should be carefully reviewed by the consumer, insured, or applicant to confirm that the coverage requested is the coverage being quoted, offered, or provided. Insurance coverage, policy changes, endorsements, cancellations, and other policy terms are not bound, changed, confirmed, or altered unless and until written confirmation is provided by a licensed Kelly Insurance Group team member, the applicable insurance carrier, or an authorized underwriter. This page is provided for general informational purposes only and does not provide legal advice, legal opinions, insurance coverage opinions, or policy interpretations.