Why a General Contractor Needs to Have EPLI Insurance

In the construction industry, general contractors wear many hats. They manage projects, oversee workers, and ensure deadlines are met—all while juggling unexpected challenges. With so much at stake, one area that often gets overlooked is employment practices liability insurance (EPLI).

General contractor EPLI insurance is essential in today’s world, where lawsuits related to workplace practices are on the rise. This blog will explain what EPLI insurance is, why it’s critical for general contractors, how to get a quote, and how Kirtley Insurance supports general contractors across the state by providing tailored solutions for their business needs.

What Is EPLI Insurance?

Employment Practices Liability Insurance (EPLI) protects businesses against claims made by employees, former employees, or even job applicants. These claims can arise from alleged violations of workplace laws and policies, such as:

• Discrimination (based on age, gender, race, etc.)
• Sexual harassment
• Wrongful termination
• Breach of employment contract
• Failure to promote
• Wage and hour disputes

For general contractors, managing a diverse workforce in a high-pressure environment can increase the likelihood of disputes. Without general contractor EPLI insurance, even a single claim can lead to expensive legal fees and settlements that could financially devastate your business.

Why General Contractors Need EPLI Insurance

1. High-Risk Work Environments

Construction sites often involve large teams of subcontractors, employees, and vendors, creating a complex web of workplace relationships. Miscommunication or misunderstandings in these high-stress environments can lead to disputes and claims.

2. Increasing Workplace Regulations

Federal and state labor laws have become stricter, making it easier for employees to file claims against employers. General contractors must stay compliant with workplace regulations, but even unintentional mistakes can result in lawsuits.

3. The Cost of Claims

Defending against an EPLI-related claim can cost tens of thousands of dollars in legal fees, not to mention the potential payout for settlements or judgments. Without insurance, this could cripple your business.

4. Protecting Your Reputation

An employment-related lawsuit doesn’t just affect your finances—it can damage your reputation. General contractor EPLI insurance ensures you have the resources to handle claims professionally and discreetly.

What Does General Contractor EPLI Insurance Cover?

EPLI insurance provides coverage for a range of workplace-related claims, including:

1. Legal Defense Costs: Covers attorney fees, court costs, and other expenses related to defending your business.
2. Settlements and Judgments: Pays for any settlements or court-ordered judgments if your business is found liable.
3. Third-Party Coverage: Protects against claims made by non-employees, such as subcontractors or vendors, for harassment or discrimination.
4. Wage and Hour Claims: Some policies offer limited coverage for disputes over overtime pay or other wage-related issues.

By investing in a comprehensive general contractor EPLI policy, you ensure your business is prepared to handle these challenges without jeopardizing its financial stability.

How to Get a General Contractor EPLI Insurance Quote

Obtaining an EPLI insurance quote for your contracting business is straightforward when you know what to expect. Here’s how to get started:

1. Assess Your Needs

Determine the size of your workforce, the type of employment practices you have in place, and your exposure to potential risks.

2. Gather Information

When requesting a quote, be prepared to provide:

• The number of employees and subcontractors you work with.
• Your hiring and termination policies.
• Details about any previous claims or lawsuits.
• Information about your employee training programs.

3. Contact Kirtley Insurance

At Kirtley Insurance, we specialize in working with general contractors. Our agents will guide you through the process, asking the right questions to ensure your policy is tailored to your needs.

4. Compare Options

We provide quotes from multiple insurance carriers, allowing you to compare coverage levels and premiums. This ensures you get the best protection at the most competitive rate.

5. Choose the Best Policy

Once you’ve reviewed your options, select a policy that offers the right balance of affordability and comprehensive coverage.

How Kirtley Insurance Helps General Contractors Across the State

At Kirtley Insurance, we understand the unique challenges faced by general contractors. From managing large crews to dealing with subcontractors, we know your business is exposed to a wide range of risks. That’s why we’ve helped hundreds of contractors across the state secure the right insurance, including general contractor EPLI policies.

Here’s why contractors trust Kirtley Insurance:

• Industry Expertise: We have years of experience working with contractors, so we know the specific risks you face and the coverage you need.
• Tailored Policies: Every business is different, and we customize your EPLI insurance policy to reflect your unique needs.
• Access to Top Providers: As an independent agency, we work with multiple carriers to provide competitive rates and comprehensive coverage options.
• Dedicated Support: Our agents are always available to answer your questions, update your policy, or assist with claims.

Hundreds of general contractors rely on us not just for EPLI insurance but also for other essential coverages like general liability, workers’ compensation, and commercial auto insurance.

Protect Your Business with Kirtley Insurance

As a general contractor, you invest time, money, and effort into growing your business. Don’t let an employment-related claim derail your success. By securing general contractor EPLI insurance, you’re safeguarding your financial future and reputation.

Contact Kirtley Insurance today to get a free quote tailored to your contracting business. Our team of experts will walk you through the process, ensuring you have the right coverage to meet your needs and protect against unexpected claims.

Call us now or visit our website to get started.

By partnering with Kirtley Insurance, you join the ranks of hundreds of contractors across the state who trust us to protect their businesses and livelihoods. Don’t wait—take the first step toward comprehensive protection today.