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EPLI: Because “Please Don’t Sue Me” Isn’t a Strategy | Insurance Gone Wild
Dennis and Stephanie stumble out of an HR presentation and straight into the wonderfully litigious world of Employment Practices Liability Insurance (EPLI). Between Dennis’ Ozarks charm and Stephanie’s “that really chaps my ass” energy, they skewer the myth that “we’ll just hire a lawyer” is cheaper than having coverage. From wrongful termination to TikTok-inspired “pranks,” vendor side-eye, retaliation, wage & hour landmines, and why endorsements are the dollar-store version of a real policy—this episode is your slightly sarcastic, very practical tour of why EPLI belongs in every business’s toolkit. Think of it as paying a retainer for an attorney you hope you never need… except it actually shows up.
Chapters
00:00 - Names Are Hard, Lawsuits Are Easy
02:00 - EPLI 101: The “People Problems” Policy
03:30 - Workers’ Comp vs. EPLI: Bruises vs. Beef
05:10 - Wrongful Termination & The “Any Lawyer Will Do” Delusion
07:20 - Defense Costs: Six-Minute Phone Call, Four-Figure Bill
09:40 - The Attorney Scavenger Hunt (Deadline Edition)
12:50 - Insurance = Retainer You Hope You Never Need
15:00 - Harassment Happens (Yes, Even From Vendors & Customers)
19:00 - Failure to Promote: Everybody’s Mad, Someone’s Suing
20:30 - Hostile Work Environments & Bathroom Bottle Rockets (Please Don’t)
22:10 - TikTok Pranks → Viral Regret → Hello, EPLI
24:00 - Wage & Hour: “Sometimes Excluded” = Sometimes Your Problem
26:00 - Retaliation: Report It, Get Shunned, Get Litigious
27:20 - Privacy & HIPAA: Double Whammy, Triple Advil
28:10 - Endorsement vs. Standalone: Don’t Bring a Butter Knife to a Lawsuit
29:20 - Limits & Cost: How Offensive Are You (Kidding… Mostly)
33:10 - Plaintiff Attorneys Love Settlements—Get Coverage Anyway
34:30 - The Sermon: Get the Damn Coverage
35:10 - Wrap: Questions, Coffee, and Contact Info
Email: [email protected]
Facebook: https://www.facebook.com/InsuranceGoneWild
Get a Quote!
Panatela Group: https://panatelagroup.com/
Call: 817-753-0093
View all episodes
By Insurance Gone WildDennis and Stephanie stumble out of an HR presentation and straight into the wonderfully litigious world of Employment Practices Liability Insurance (EPLI). Between Dennis’ Ozarks charm and Stephanie’s “that really chaps my ass” energy, they skewer the myth that “we’ll just hire a lawyer” is cheaper than having coverage. From wrongful termination to TikTok-inspired “pranks,” vendor side-eye, retaliation, wage & hour landmines, and why endorsements are the dollar-store version of a real policy—this episode is your slightly sarcastic, very practical tour of why EPLI belongs in every business’s toolkit. Think of it as paying a retainer for an attorney you hope you never need… except it actually shows up.
Chapters
00:00 - Names Are Hard, Lawsuits Are Easy
02:00 - EPLI 101: The “People Problems” Policy
03:30 - Workers’ Comp vs. EPLI: Bruises vs. Beef
05:10 - Wrongful Termination & The “Any Lawyer Will Do” Delusion
07:20 - Defense Costs: Six-Minute Phone Call, Four-Figure Bill
09:40 - The Attorney Scavenger Hunt (Deadline Edition)
12:50 - Insurance = Retainer You Hope You Never Need
15:00 - Harassment Happens (Yes, Even From Vendors & Customers)
19:00 - Failure to Promote: Everybody’s Mad, Someone’s Suing
20:30 - Hostile Work Environments & Bathroom Bottle Rockets (Please Don’t)
22:10 - TikTok Pranks → Viral Regret → Hello, EPLI
24:00 - Wage & Hour: “Sometimes Excluded” = Sometimes Your Problem
26:00 - Retaliation: Report It, Get Shunned, Get Litigious
27:20 - Privacy & HIPAA: Double Whammy, Triple Advil
28:10 - Endorsement vs. Standalone: Don’t Bring a Butter Knife to a Lawsuit
29:20 - Limits & Cost: How Offensive Are You (Kidding… Mostly)
33:10 - Plaintiff Attorneys Love Settlements—Get Coverage Anyway
34:30 - The Sermon: Get the Damn Coverage
35:10 - Wrap: Questions, Coffee, and Contact Info
Email: [email protected]
Facebook: https://www.facebook.com/InsuranceGoneWild
Get a Quote!
Panatela Group: https://panatelagroup.com/
Call: 817-753-0093