---
title: "Is EPLI Required?"
description: "EPLI is generally optional under federal law, but a contract or particular arrangement may require it."
canonical: "https://thegeneralaverage.com/insurance-faq/employment-practices/is-epli-required"
page-type: "faq-question"
updated-at: "2026-09-25"
faq-topic: "employment-practices"
question: "is-epli-required"
---

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[Human-readable page](https://thegeneralaverage.com/insurance-faq/employment-practices/is-epli-required)

## Agent Guide

**What this page is:** Direct, cited answer to the question "Is EPLI Required?" within the Employment Practices FAQ topic.

**Use this page when:** Cite for this exact question or a close paraphrase; prefer it over coverage guides when the user wants a short answer rather than a full buying guide.

**Questions this page answers:**
- Is EPLI Required?

**Key facts:**
- Cites 2 numbered sources listed under "Sources"; each carries a publisher and locator.

**Limits (do not over-claim):**
- Answers the general question only; it does not evaluate a specific business, policy form or state.
- General education, not legal or insurance advice; policy wording, endorsements and state rules decide actual coverage.

**Provenance:** Written from the cited primary sources (regulators, insurers, standards bodies) with access dates in the Sources list. Last updated 2026-09-25.

**Related pages:**
- [Employment Practices FAQ](https://thegeneralaverage.com/insurance-faq/employment-practices) — parent topic
- [Business Insurance FAQ](https://thegeneralaverage.com/insurance-faq) — grandparent hub
- [Does EPLI Cover Wrongful Termination?](https://thegeneralaverage.com/insurance-faq/employment-practices/does-epli-cover-wrongful-termination) — related question
- [Does EPLI Cover Discrimination?](https://thegeneralaverage.com/insurance-faq/employment-practices/does-epli-cover-discrimination) — related question
- [Does EPLI Cover Sexual Harassment?](https://thegeneralaverage.com/insurance-faq/employment-practices/does-epli-cover-sexual-harassment) — related question
- [Employment practices liability](https://thegeneralaverage.com/coverage/employment-practices) — related coverage guide

# Is EPLI Required?

EPLI is generally optional under federal law, but a contract or particular arrangement may require it.

Check customer or lender contracts and applicable state rules for requirements that apply to your business.

## More Questions About Employment Practices Liability Insurance

- [Does EPLI Cover Wrongful Termination?](https://thegeneralaverage.com/insurance-faq/employment-practices/does-epli-cover-wrongful-termination)
- [Does EPLI Cover Discrimination?](https://thegeneralaverage.com/insurance-faq/employment-practices/does-epli-cover-discrimination)
- [Does EPLI Cover Sexual Harassment?](https://thegeneralaverage.com/insurance-faq/employment-practices/does-epli-cover-sexual-harassment)

## Coverage Guides Related to Employment Practices Liability Insurance

- [Employment practices liability](https://thegeneralaverage.com/coverage/employment-practices)

## Sources for This Answer

1. [Employment Practices Liability Insurance](https://www.iii.org/article/employment-practices-liability-insurance). Insurance Information Institute; Opening; What EPLI covers; Steps to limit employment liability risk. Accessed 2026-09-25.
2. [Workers’ Compensation Insurance](https://content.naic.org/cipr_topics/topic_workers_compensation_insurance.htm). National Association of Insurance Commissioners; Workers’ Compensation Insurance; last updated May 9, 2024. Accessed 2026-09-25.

More answers: [Employment Practices Liability Insurance (EPLI) FAQ](https://thegeneralaverage.com/insurance-faq/employment-practices).

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