Employment Practices Liability (EPLI) Insurance in Yuba City, CA – Protect Your Business
Safeguard your business against employee lawsuits with tailored EPLI coverage from Oakview Insurance Services, Inc.
Why EPLI Matters for Yuba City Employers
California consistently leads the nation in employment-related claims. Even a single allegation can cost $125k+ in defense fees and settlements. EPLI shifts that financial risk off your balance sheet.
What Does EPLI Cover?
Wrongful Termination
Claims stemming from alleged unfair dismissal, layoffs, or constructive discharge.
Discrimination and Harassment
Protection against accusations based on race, gender, age, disability, and more.
Wage-and-Hour Violations
Optional California endorsement that helps with defense costs for overtime or meal-break disputes.
Who Needs EPLI in Northern California?
Small Businesses and Start-ups
Limited HR resources increase the chance of compliance missteps.
Agribusiness and Farm Operations
Seasonal workers and piece-rate pay create unique exposures.
Professional Offices
Medical, legal, and accounting firms face heightened EEOC scrutiny.
How Much Does EPLI Cost?
Premiums start around $1,200 per year for businesses with 10 or fewer employees. Rates depend on payroll, turnover, past claims, and HR practices. Bundle EPLI with a business owners policy (BOP) for multi-policy discounts.
Why Choose Oakview Insurance Services?
- Local Agents: Serving Yuba, Sutter, and Colusa counties since 2010.
- Top Carriers: Nationwide, Travelers, The Hartford, Chubb, and more.
- 700+ 5 Star Reviews: Trusted by businesses just like yours.
EPLI vs Workers Comp vs General Liability
Each policy addresses different risks. EPLI protects your HR decisions, workers comp covers on-the-job injuries, and general liability covers third-party bodily injury or property damage.
Frequently Asked Questions About EPLI in California
Is EPLI insurance required by California law?
No. It is optional but highly recommended because California has some of the most employee-friendly statutes in the country.
Does EPLI cover wage-and-hour claims in California?
Standard EPLI policies exclude wage-and-hour disputes, but many carriers offer an add-on endorsement that at least pays defense costs.
How much does EPLI insurance cost for a small business?
Small businesses in California typically pay $100 to $250 per month, depending on employee count, turnover, and claims history.
Do I need EPLI if I have fewer than five employees?
Yes. Roughly 40 percent of EPLI claims are filed against companies with fewer than 50 workers, and small staff sizes do not shield you from lawsuits.
Are independent contractors covered under EPLI policies?
Many policies extend coverage to contractors if they allege wrongful acts, but you must verify the definition of “employee” in the policy language.
Does general liability insurance include EPLI coverage?
No. General liability excludes claims brought by employees. EPLI is a separate, specialized policy for those exposures.
Are settlements and defense costs both covered by EPLI?
Yes. Most policies cover legal defense fees, settlements, and judgments, subject to the policy limit and retention.
Does EPLI cover claims under the California Private Attorneys General Act (PAGA)?
PAGA claims are usually excluded, but a few insurers offer limited defense-cost endorsements. Ask us for carrier-specific options.
How quickly can I get EPLI coverage in California?
With our online quote form, many businesses receive bindable terms the same business day, subject to underwriting.
What factors affect EPLI premiums?
Key drivers include number of employees, industry class, prior claims, turnover rate, and the strength of your HR practices.
Get an EPLI Quote Today
Call (530) 674-5054 or complete the quick form below for instant options.