What is it?

Frontier Risk's Employment Practices Liability (EPLI) protects cannabis manufacturers, dispensary owners, and other cannabis business owners against lawsuits from employees claiming legal rights violations.

Why is it important?

Employee turnover in the cannabis industry is high, with 40 to 60% of employees quitting within a few months of employment, posing a significant litigation risk. Employment Practices Liability Insurance (EPLI) claims can cost approximately $75,000 per claim in settlements and up to $200,000 per claim in court verdicts. EPLI protects your business from these expensive defense fees, ensuring financial stability and legal protection against employee claims.

What does it cover?

Wrongful Termination

Protects against accusations of unfair firing or dismissal.


Coverage for allegations of treating employees unfairly based on characteristics like race, gender, age, or disability.


Safeguards against claims of workplace harassment, whether sexual, verbal, or otherwise.


Covers situations where an employee claims they were mistreated due to actions like whistleblowing.


Protects against claims of using false statements to damage a company’s reputation.


Coverage for claims of mishandling employee benefits, contracts, or policies.

Why Frontier Risk?

Cannabis Specialized
We understand the cannabis industry, your challenges as a business owner, and the license specific insurance you need.
Fast Quoting
Our online quoting for cannabis insurance ensures that you receive quotes from the top carriers.
Fair Prices
We offer fair insurance prices for cannabis businesses, providing equitable rates comparable to other industries.
Easy Policy Management
Our customer portal allows you to conveniently manage your policies, download certificates, report claims, and more.
Dedicated Support
Our dedicated support team puts your needs first, providing round-the-clock assistance. When you call, we'll be there.

Common Questions

What Is The Difference Between EPLI and GL?

EPLI (Employment Practices Liability Insurance) and GL (General Liability Insurance) serve different purposes. EPLI protects businesses from claims related to employment practices, such as discrimination, harassment, and wrongful termination. On the other hand, GL insurance covers third-party bodily injury and property damage claims arising from the business's operations or premises.

If I Have Workplace Policies in Place, Do I Still Need EPLI?

Even if you have workplace policies in place, it is still advisable to have EPLI coverage. While policies provide guidelines, they may not fully protect your business from employee lawsuits. EPLI acts as an extra layer of protection, covering legal costs and potential damages associated with claims of discrimination, harassment, wrongful termination, and other employment-related issues.

Who Needs EPLI Insurance?

Anyone with employees, including small business owners and large corporations, need EPLI insurance. It provides vital protection against the risks of employee lawsuits alleging discrimination, harassment, wrongful termination, and other employment-related claims.

Cannabis Insurance Made Simple

We understand your operations, pain points and risks – because we’ve lived them firsthand as former operators at leading cannabis companies.