Employer/Employee relations are a tricky subject in the realm of insurance and risk management.  It is seemingly one of the largest gaps in insurance coverage and something I have found, employers don’t often think about protecting.  As the last couple of years can attest, these employer liability claims have increased and coverage is non-existent in most general liability policies unless added via endorsement or purchased as a mono-line policy.  EPLI – Employer Practices Liability Insurance – is one of the more expensive coverages and consequently, many employers opt against it.  So, here is my advice … if you are not going to add this coverage, make sure you are doing everything else by the book – don’t make a costly and actionable mistake like Brown & Brown – this one is going to come back to bite them.