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Do I need EPLI if I have an HR Handbook in place?

Think your employee handbook is enough to protect your business from lawsuits? Think again. Many business owners mistakenly believe that having solid HR policies and an employee handbook is a substitute for Employment Practices Liability Insurance (EPLI).
In this video, Gordon Coyle breaks down why that belief can be a costly mistake—and what you need to do instead.

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EPLI is designed to cover claims like discrimination, harassment, wrongful termination, retaliation, and more—claims that policies alone can't defend or pay for. Real-life case studies shared in this video show how even businesses with strong documentation and training still faced six-figure lawsuits.

Whether you run a law firm, a tech startup, an importer/distribution company, or any company with employees, EPLI coverage is not optional—it's essential. Learn how this vital insurance can safeguard your business, finances, and reputation.

Even with the best intentions and documentation, businesses are vulnerable to costly lawsuits involving harassment, discrimination, wrongful termination, and more. Gordon breaks down why EPLI is critical and shares real-world examples of companies who thought their handbook was enough—until it wasn’t.

👉 If you're a business owner, HR leader, or risk manager, this is a must-watch.

⏱ Timestamps:

00:00 - Intro: Why your handbook isn't enough
00:33 - The myth: "Good HR policies = No need for EPLI"
00:55 - What EPLI actually covers
01:11 - Why lawsuits still happen, even with documentation
01:51 - Real-life Example 1: Termination + Retaliation claim
02:27 - Real-life Example 2: Slack chat leads to hostile work environment case
03:13 - Final thoughts & next steps

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