Connecticut – 7/2/25: As businesses navigate a complex post-pandemic employment environment, Tooher-Ferraris Insurance Group is urging organizations of all sizes to reevaluate their risk mitigation strategies by adopting or enhancing Employment Practices Liability Insurance (EPLI). With workplace litigation on the rise—driven by issues such as wrongful termination, discrimination, and wage disputes—many employers remain underprotected against the financial and reputational fallout of these increasingly common claims.
According to industry data, the average cost to defend and settle an EPLI claim can exceed $160,000, with some lawsuits resulting in multi-million dollar verdicts. Tooher-Ferraris has seen a significant uptick in inquiries about EPLI coverage from businesses in sectors as diverse as hospitality, tech, manufacturing, and healthcare. However, the firm notes a troubling gap in coverage among small and mid-sized businesses, many of which mistakenly believe general liability policies offer adequate protection.
“Too many businesses assume their general liability insurance will step in during an employment dispute, but that’s rarely the case,” said a company spokesperson. “Professional liability insurance and workers compensation insurance services cover different types of risk altogether. Without EPLI, employers are exposed to legal threats that can drain resources and damage company morale.”
The need for EPLI has grown more urgent as legal definitions around workplace harassment, retaliation, and failure to accommodate continue to evolve. Meanwhile, social awareness, regulatory scrutiny, and employee willingness to pursue legal recourse have all intensified. Remote and hybrid work arrangements have also introduced a new layer of complexity, making it easier for miscommunications, perceived inequities, and managerial missteps to escalate into formal complaints.
“We believe EPLI is no longer a luxury—it’s a necessity. Companies need to be proactive about protecting not only their bottom line but also the integrity of their workplace culture. EPLI offers both financial protection and access to legal guidance, which can help employers make more informed decisions and reduce the risk of claims before they occur.”
Tooher-Ferraris Insurance Group provides customized EPLI solutions based on industry, company size, claims history, and internal policies. The firm works closely with clients to understand potential vulnerabilities and to ensure EPLI is aligned with other critical coverage such as umbrella insurance, directors and officers insurance, and cyber liability protections.
The agency also notes that underwriters increasingly look for evidence of employee training, clearly documented HR procedures, and well-structured complaint resolution protocols. Businesses with a strong compliance framework can often secure broader EPLI protection at more competitive premiums.
As the legal environment grows more litigious and employment laws become more nuanced, Tooher-Ferraris encourages business leaders to take action before claims arise. EPLI is not retroactive, meaning coverage must be in place before an incident or allegation occurs.

About The Company
Tooher-Ferraris Insurance Group has built a reputation for delivering strategic, forward-looking risk management services. From employee benefits to event insurance and high-net-worth personal lines, the firm helps individuals and businesses alike protect what matters most. With a longstanding commitment to responsiveness, transparency, and deep industry expertise, Tooher-Ferraris continues to lead the way in helping clients face tomorrow’s risks with confidence.

Contact Information
Phone: (203) 834-5900
Email: [email protected]
Website: https://toofer.com/