In the years in which I had purchased general and professional errors and omissions liability insurance through KHT Insurance, I received nothing less than 1st class service from their organization.
John Shanahan
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Employment Practices Liability (EPLI)
Coverage for claims that come from your own workforce
Discrimination, harassment, wrongful termination, retaliation — employment claims are among the most common a business faces, and defense alone is costly. These types of claims are not covered by a General Liability policy. EPLI covers the defense and damages, and we place it with insurance companies who know these risks.
WHAT EMPLOYMENT PRACTICES LIABILITY (EPLI) COVERS
The risk that comes with having employees.
Employment practices liability insurance (EPLI) protects your business against claims brought by employees — and sometimes applicants or former employees — alleging wrongful employment practices. That includes discrimination, sexual harassment, wrongful termination, retaliation, failure to promote, and related allegations. As soon as you have staff, you have this exposure.
What makes employment claims so costly is that the defense is expensive regardless of merit. Even a claim your business is confident it will win can consume significant legal fees, management time, and attention before it's resolved. EPLI covers those defense costs along with any settlement or judgment, up to your limits — turning a potentially destabilizing event into a manageable one.
Employment law is a moving target that varies by state, and the exposure scales with headcount and turnover. Many carriers now pair EPLI with risk-management resources — hotlines, training, and policy templates — that help prevent claims in the first place. Matching your workforce to a carrier with the right coverage and the right tools is where broker guidance pays off.
Discrimination & harassment
Defense and damages for the most common employment allegations.
Wrongful termination
Claims arising from how and why an employee was let go.
Retaliation & related claims
Retaliation, failure to promote, and other workplace allegations.
WHO IT's FOR
Any business with employees.
The moment you have staff, you have employment-practices exposure — and it grows with headcount and turnover. Small businesses are far from immune; they're often less prepared for a claim.
● Businesses of every size with staff
● High-turnover operations,
● Growing companies hiring quickly
● Firms without in-house HR
● Multi-state employers
Why place it through KHT
Specific things we do that most agencies don't.
Early renewal quotes
We quote your renewal well ahead of expiration — giving you time to review and compare, not a take-it-or-leave-it the day before.
Multiple insurance companies, lowest qualified quote
We shop across markets and recommend the best-fit, best-priced option.
Owners on your account
An established, owner-led team. When you call, you speak directly with the people responsible for protecting your business.
Getting a Quote
Straightforward from here.
1
Tell us about your business
Start a quote request or call. We’ll confirm exactly what your business needs.
2
We shop your coverage
We quote it with multiple insurance companies and compare the options side by side.
3
We recommend the best option
You get our recommendation with the lowest possible price, explained in plain terms.
Insurance you don't have to think about.
Very responsive agency. They have great staff and are willing to help find the best policy out there for home, auto, commercial, flood - anything you need. We've worked with them for years and can't say anything negative about their service.
Turning Point Counseling
You can buy insurance anywhere, but what sets KHT apart from the rest is service, and they are the best. The best compliment you can pay is when you are asked 'who do you have your insurance with' say KHT!
Buddie Hrabal
You will not be playing phone tag with their answering machine. KHT is always there to answer questions and to find the best deals for us.
Stan Mullin
Price is right, efficient and good to deal with.
Michael Robinson
Excellent customer service and knowledgeable agents.
Dianne Young
Great and timely service from the KHT team.
Ben Ginnetti
Been with KHT since 1998 for my insurance. Absolutely the best!
Tommy Anderson
KHT provides wonderful service! I highly recommend them for your insurance needs.
Carmen Nelon
common questions
The questions we hear the most
Yes. EPLI responds to claims, not just to actual wrongdoing, and even a groundless claim is expensive to defend. Good practices reduce your risk but don't eliminate the possibility of a claim being filed.
No. General liability specifically excludes employment-related claims. EPLI is the coverage built for them — without it, discrimination, harassment, and wrongful-termination claims fall to the business directly.
Often yes — many policies extend to applicants and former employees for allegations like discriminatory hiring or wrongful termination. Coverage details vary by carrier, which is one reason comparing forms matters.
Pricing reflects your headcount, industry, location, and employment history. Many carriers bundle helpful risk-management tools as well. Start a quote or call and we'll shop it and compare what each carrier includes.
Get your employment practices liability (EPLI) quote.
Tell us about your business and we'll shop it — or call and talk it through with the people who'll actually handle your account.
Fort Worth, TX
817-336-2721 · 800-814-6470
info@khtinsurance.com
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