Employment Practices Liability Calculator

Estimate EPLI insurance costs based on employee count, industry, claims history, and coverage limits.

Financial Disclaimer

This calculator is for educational purposes only and does not constitute financial advice. Results are estimates based on the inputs provided. Consult a qualified financial advisor before making investment or financial planning decisions.

Inputs

Number of Employees

Annual Payroll

Industry Risk Level

Coverage Limit

Deductible (Retention)

EPLI Claims in Last 5 Years

Tab to move between fields

Results

Monthly Premium

$354.17

≈ 6 tanks of gas

Annual Premium$4,250.00

Cost per Employee$85.00

Premium as % of Payroll0.17%

How to Use This Calculator

Enter the number of employees.
Select your industry and state (claim frequency varies by jurisdiction).
Input any prior EPL claims in the past five years.
Review the estimated annual EPLI premium.
EPLI covers wrongful termination, harassment, and discrimination claims — critical for employers of 10+ employees.

How the result changes with Number of Employees

Number of Employees	Monthly Premium
501	$4,613.38
1,751	$16,123.79
3,250	$29,927.08
4,500	$41,437.50

What each input means

Number of Employees: Total number of W-2 employees.
Annual Payroll: Total annual payroll.
Industry Risk Level: EPLI risk classification for your industry.
Coverage Limit: EPLI per-claim and aggregate coverage limit.
Deductible (Retention): Per-claim retention amount.
EPLI Claims in Last 5 Years: Number of employment-related claims in the past 5 years.

How this is calculated

Worked example, using the default values

Identify Input Parameters
4 parameters
Number of Employees = 50, Annual Payroll = 2500000, Industry Risk Level = 1, Coverage Limit = 1000000 = 6 input(s) provided
Calculate Monthly Premium
Monthly Premium
354.17 = $354.17
Calculate Annual Premium
4250 = $4,250
Calculate Cost per Employee
Cost per Employee
85 = $85