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Third-Party EPLI – Are You Protected From Customer Lawsuits?

Can a customer sue your business for harassment or discrimination, and your insurance won’t cover it? That’s the hidden risk most business owners overlook. In this video, Gordon Coyle explains what Third-Party Employment Practices Liability Insurance (EPLI) is, why it matters, and how it protects your business when claims come from outsiders, not employees.

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If your business interacts with the public—retail, hospitality, restaurants, healthcare, childcare—you’re at risk for third-party claims like harassment, discrimination, or humiliation. Most EPLI policies only cover internal employee-related issues. Without a third-party EPLI endorsement, you could pay out-of-pocket for costly lawsuits, settlements, or defense.

🛑 Don’t wait until a lawsuit hits—learn how this coverage works, real-world examples of businesses that benefited from it, and why general liability alone won’t cut it.

✅ What Third-Party EPLI Covers:
✅ Harassment or discrimination claims from customers, vendors, or guests
✅ Legal defense costs, settlements, and court judgments
✅ Claims tied to your employees, owners, or even temp staff
✅ PR and reputational damage support in some cases

❌ What It DOESN’T Cover (unless added to your EPLI):
❌ Internal employee claims (requires base EPLI)
❌ Bodily injury or property damage (requires General Liability)
❌ Cyber-related claims (requires Cyber Insurance)

⏱ Timestamps:
00:00 – Intro
01:19 – What is Third-Party EPLI?
01:58 – Who Needs Third-Party EPLI?
03:22 – Success Stories
04:02 – 3-Step Plan

If your business deals with the public—retail, restaurants, hospitality, healthcare, childcare—you need to watch this. One inappropriate comment, one bad day, one lawsuit—and it could cost you tens of thousands.

Don’t wait until it’s too late. Watch now and find out if you’re truly covered.

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