Protect Your Business from Employee-Related Claims.
Hiring and managing people is part of running a successful business — but it also brings risk. At Rocky Mountain Insurance Advisors (RMIA), we help Castle Rock employers protect their business and leadership from employee-related lawsuits with Employment Practices Liability Insurance (EPLI).
Employment Practices Liability Insurance (EPLI) protects businesses from lawsuits or claims made by employees, former employees, or job applicants alleging wrongful acts during the employment process.
Even small companies can face claims of discrimination, harassment, wrongful termination, or failure to promote — and legal costs can reach thousands. EPLI ensures you’re covered when those challenges arise.
Colorado’s job market is competitive and employee protections are strong. As Castle Rock businesses grow, so does their exposure to HR-related claims.
Even when handled professionally, employment decisions can be misunderstood or misinterpreted.
An EPLI policy covers defense costs, settlements, and judgments — whether your business is at fault or not.
Common Allegations Covered:
Wrongful termination or demotion
Workplace harassment or discrimination
Retaliation or emotional distress claims
Mismanagement of employee benefits
Violation of state or federal labor laws
Failure to hire or promote fairly
EPLI is valuable for any employer, from small businesses to large corporations.
You need coverage if you:
Employ staff, even part-time or seasonal
Conduct interviews or manage terminations
Handle HR policies or disciplinary actions
Operate in high-turnover industries like retail, healthcare, or hospitality
Even with strong HR practices, any employee interaction can result in a claim.
A comprehensive EPLI policy typically includes:
1. Legal Defense Costs
Covers attorney fees, investigations, and court expenses — even for unfounded claims.
2. Settlements & Judgments
Pays for damages if your company is found liable or agrees to settle.
3. Third-Party Liability
Extends protection to claims by customers, vendors, or clients (not just employees).
4. Coverage for Officers & Managers
Protects business owners, executives, and supervisors personally named in a lawsuit.
5. Crisis Management & Reputation Protection
Helps manage public relations fallout and brand impact after an employment claim.
Castle Rock’s growing business community — from local retailers to tech startups — faces evolving HR risks as teams expand.
Colorado’s employment laws also change frequently, adding new compliance requirements for hiring, pay transparency, and workplace conduct.
RMIA helps Castle Rock employers stay ahead by pairing EPLI coverage with proactive guidance to reduce claim exposure and control costs.
Independent & Local: We compare multiple carriers offering EPLI for Colorado businesses.
Customized Coverage: Policies tailored by industry, size, and risk exposure.
Trusted Advisors: We help review your HR practices and identify coverage gaps.
Responsive Claims Support: Guidance through the entire claims process — from initial notice to resolution.
EPLI covers legal defense, settlements, and judgments from employee-related claims such as discrimination, harassment, or wrongful termination.
No, but many employers choose it to protect against expensive lawsuits not covered by general liability or workers’ comp.
It can — many policies extend coverage to claims from contractors or third-party vendors. RMIA helps customize this option.
Costs depend on employee count, turnover, and claims history. Most Castle Rock businesses pay between $800 and $2,500 annually.
Strong HR documentation, regular training, and employee handbooks all help lower risk — and premiums. RMIA can help review your policies.
Experience clarity, confidence, and care with every step — from discovery to claim.
We assess your coverage needs and explain everything in plain language — no jargon, no confusion.
As an independent agency, we partner with multiple carriers to bring you the most competitive coverage options.
When you have a question, change, or claim — we’re just a call away, ready to assist you personally.
Don’t let an employee claim threaten everything you’ve built.
Protect your business, your leadership, and your reputation with Employment Practices Liability Insurance designed for Castle Rock employers.
