Employment Practices Liability for Trucking Employers
EPLI for hiring, firing, wage and harassment claims brought by drivers, dispatchers and office staff.
Employee Liability insurance for trucking fleets in 50 states
Employment Practices Liability Insurance covers claims of wrongful termination, discrimination, harassment, and retaliation. Critical once you start hiring.
Prestige Trucking Insurance places employee liability coverage for motor carriers running three or more trucks and is licensed in 50 states. We compare A rated commercial trucking insurance carriers to find the coverage your operation needs at the lowest qualified rate available to you.
Why Prestige
- Built for owner-operators and fleets alike
- Compared across hundreds of A-rated carriers
- Tailored limits, deductibles, and endorsements
- Independent advice — we work for you
Who needs it
- → Owner-operators running under their own authority
- → Small to mid-size trucking fleets
- → Carriers hauling regulated commodities
FAQs
How fast can I get a quote?
Most quotes are turned around the same day. Complex risks may take 24–48 hours.
Do you compare multiple carriers?
Yes. We are independent and shop hundreds of carriers to find your lowest qualified rate.
Can I bundle this with other coverage?
Absolutely — bundling often unlocks meaningful discounts. Ask your specialist about packaging.
Defense costs arrive before any finding of fault
An employment claim does not need to be true to be expensive. Responding to an agency charge, producing records and retaining employment counsel runs into real money long before anyone decides who was right.
General liability and workers compensation do not respond to these allegations. EPLI covers defense and settlement for wrongful termination, discrimination, harassment, retaliation and related wage and hour exposures, subject to the policy form.
The first employee changes your risk profile
Fleets often add drivers and office staff for years without ever documenting policies. Written job descriptions, a current handbook and consistent discipline records are what your defense counsel will ask for first.
855-643-3881What an EPLI placement should include
Defense inside or outside limits
Whether defense erodes the limit changes the value of the policy more than the premium does.
Third party coverage
Claims from customers or vendors alleging discrimination or harassment by your staff.
Wage and hour sublimit
Many forms give a defense only sublimit for wage and hour actions, which we quantify up front.
HR resources
Carrier provided handbook templates and hotlines that reduce the claims most likely to be filed.
Which policy answers the claim
| Scenario | Workers compensation or general liability | EPLI |
|---|---|---|
| Driver injured loading freight | Workers compensation | Not applicable |
| Terminated dispatcher alleges discrimination | Not covered | Defense and settlement covered |
| Harassment complaint between employees | Not covered | Covered subject to the form |
Questions motor carriers ask
Does workers compensation cover a discrimination claim?
No. Workers compensation responds to workplace injury. Allegations about hiring, firing, harassment or retaliation fall to employment practices liability.
How many employees before a fleet needs EPLI?
There is no threshold. Exposure begins with the first hire, and small employers are frequent targets because their documentation is usually thinnest.
Who needs EPLI in trucking?
Any motor carrier with W-2 drivers, dispatchers, shop staff or office employees. Call 855-643-3881 to review your headcount and current forms.
Quote EPLI for My Fleet
Tell us your headcount and states of operation and we will bring back terms.
Fleets of three or more power units across the 50 states we are licensed in.
Employee Liability coverage across the 50 states we serve
Filing requirements, limits and endorsements change from state to state. Our specialists review your lanes, loss history, FMCSA safety rating and shipper requirements before recommending employee liability limits, then walk you through every policy decision in plain language.
We work with regional fleets, long haul carriers, owner-operators running under their own authority and first year new authority trucking companies. When your fleet crosses state lines, we structure the program so it stays compliant in every jurisdiction you run.
As an independent agency we do not answer to one carrier. We answer to you, which means we can move your account when a carrier pushes an unjustified renewal increase.
Who needs employee liability coverage?
Employee Liability coverage is for commercial motor carriers whose contracts, lenders or regulators require it, and for fleets that could not absorb the loss out of pocket. A Prestige specialist reviews your operation and returns options from A rated carriers, usually the same business day. Call 855-643-3881.
Regions we serve
- Southeast: Florida, Georgia, Tennessee, North Carolina, South Carolina, Alabama
- Texas and the Gulf: Texas, Louisiana, Oklahoma, Arkansas, Mississippi
- Midwest: Illinois, Ohio, Indiana, Michigan, Missouri, Wisconsin, Minnesota
- Northeast: Pennsylvania, New Jersey, New York, Maryland, Virginia, Massachusetts
- West: California, Arizona, Nevada, Washington, Oregon, Colorado, Utah
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