Employment Practices Liability Insurance provides protection for an employer against claims made by employees, former employees, or potential employees for discrimination (age, sex, race, disability, etc.), wrongful termination of employment, sexual and other forms of harassment, and other employment-related allegations.

Business insurance is our business and that includes the risks you face as an employer from employment practices. These exposures are excluded in general liability and other types of business insurance policies.

When it comes to your coverage and the risks your enterprise and people face we treat your business as if it were our very own. At Morris & Reynolds we offer a unique, hands on, passionate relationship with our client’s that in most cases last decades because of the reliable, results oriented, solutions we provide from year to year. Some of the benefits of our business insurance work for our clients include;


Our professional people offer deep expertise in employment practices liability and can assist virtually any business in any industry with this important protection. Whether you employee one person or 1,000 (or more), are a private family business, a public entity, an association or nonprofit we can help.

If you employ people you need Employment Practice’s Liability insurance and Morris & Reynolds Insurance can help.

Society is changing rapidly and the laws that guide how businesses treat employees and potential employs creates exposures that must be properly managed and protected. The passage of laws such as The Civil Rights Act of 1991, The Americans with Disability Acts, The Family Medical Leave Act and The Age Discrimination in Employment Act has created an emergence of new exposures, and new types of claimants in addition to more established laws such as the Civil Rights Act of 1964 and the Equal Pay Act of 1963.


Employment Practices Liability (EPL) insurance helps protects your company by insuring the company, directors, officers and employees for actual or alleged employment wrongful acts such as:

  • Discrimination (including that due to race, age or gender)
  • Failure to hire
  • Failure to promote
  • Sexual harassment (and workplace harassment)
  • Wrongful termination (actual and constructive)

Properly structured EPLI coverage can include a broad definition of employment-related acts including mental anguish and emotional distress, class action coverage, retaliatory treatment, back pay and front pay as well as punitive damages (where allowed by law).

EPLI coverage is not standardized within the insurance industry and every insurer offers their own unique contract policy wording. The agents and underwriters at Morris & Reynolds can help you navigate through the coverage options insurer’s offer and work to negotiate the protection you desire to best meet your goals.


Over the last 15 years the average employment practices claim has increased from $35,000 to nearly $250,000. Understanding and complying with employment law helps managers best run your business and can minimize an organization’s exposure to employment related claims. Preventing discrimination in the workplace means understanding what is expected as an employer and providing employees with resources to work in a professional environment. Maintaining a professional work environment means having policies and procedures that managers and employees understand and follow.

EPLI Risk Management and the type of loss control services that an insurer offers to its client is an important part of a quality, well structured, EPLI Insurance Protection Plan. Many leading EPLI insurers provide a robust range of web based training, topical information about emerging trends and best practices to reduce or eliminate claims in your workplace.


Even an organization with good human resources policies and procedures in place can be sued, and the cost of defending a claim can be enormous. It is not uncommon for legal fees associated with winning an employment lawsuit to exceed $250,000. When you’ve spent that much on legal fees, it’s certainly hard to feel like you’ve won.


An employee sued a company for national origin discrimination in violation of Title VII, which prohibits employment discrimination based on race, color, religion, sex and national origin. The employee alleged that he was wrongfully terminated when he complained to his supervisors that co-workers had made disparaging remarks relating to his ethnic background. The plaintiff was awarded $250,000 in damages.


Two employees of the company made inappropriate comments about the physical appearance of a female freelance contractor working on the premises. The contractor filed a claim against the company for third party sexual harassment; the suit was settled for $100,000.


A plaintiff alleged that the insured discriminated against him on the basis of his age and disability. The plaintiff further alleged that he was terminated in retaliation for filing a workers compensation claim and for complaining about discrimination. The defendant contended that the plaintiff was not able to perform the essential functions of the job and that he was discharged for legitimate, non-discriminatory reasons. The insurer spent more than $175,000 defending the case and paid another $142,000 in settlement costs, for a total of $317,500.00.


The plaintiff allegedly patronized the insured’s restaurant and completed an application for employment. She claims that, after completing her application, she was sexually harassed by the employees and managers of the restaurant. Further investigation of the matter showed that, after drinking for several hours, the plaintiff decided to apply for a position and that she was the instigator of the sexual activity that occurred. The matter was tried in front of a jury, which came back with a verdict in favor of the insured. Although the insured won the suit, defense costs alone exceeded $350,000.00.


Business insurance is our business. When it comes to your coverage and the risks your enterprise and people face we treat your business as if it were our very own. At Morris & Reynolds we offer a unique, hands on, passionate relationship with our clients that in most cases last decades because of the reliable, results oriented, solutions we provide from year to year. Some of the benefits of our business insurance work for our clients include;


Morris & Reynolds represents and has access to the entire market of leading insurers for all of the risks our business insurance client face. Many of our relationships with major insurers span decades and in some cases date to the founding of our firm in the 1950’s. We also take pride in representing cutting edge and emerging insurers from around the globe to structure the coverage, limits and costs you need and deserve.


Our dedicated professional people are your consultants, problem solvers and partners. We help assess your needs, evaluate solutions and suggest alternatives for your organization. We build a high level of familiarity with your company so we can offer the insights that satisfy your changing risk-financing needs. Some of our products and services include:

  • Alternative Risk Financing, including Captives and Risk-Sharing Pools
  • Claims Management & Administration
  • General Property and Casualty Insurance
  • Group Health Insurance & Employee Benefit’s
  • Malpractice and Errors & Omissions
  • Pension & Retirement Plans
  • Professional Liability including Directors and Officers and Employment Practices
  • Risk Management & Loss Control Services
  • Workers Compensation and Employers Liability


Your protection, goals and bottom line are our sole focus. The coverage and costs that we negotiate, in fact all we do, is focused on your protection needs, goals and bottom line. We are known as aggressive negotiators who have our clients’ best interest at heart. Always.

We also enjoy serving our clients in the most transparent manner possible and are happy to discuss and disclose our compensation and answer your questions about that important topic with you. Morris & Reynolds is a truly independent insurance agency and has been since 1950. Our focus is never on stockholders, stock prices or an insurance company preference but our clients’ goals, dreams and desires. Always.


Insurance is more than a legal contract, it’s your peace of mind. At Morris & Reynolds Insurance we take your protection, and peace of mind, to heart in all we do from the coverage we structure, the insurers we suggest and the day to day service and care we provide to our clients. When you need us most, we will always be there.


At Morris & Reynolds Insurance our clients receive the best of both worlds. We are well known for our ‘old fashioned, reliable and responsive service that dates to the founding of our agency in 1950. We are also known for employing cutting edge technology and offering the latest in coverage innovations and ideas to serve our clients’ ever evolving needs. Services such as The Protection Portal, Morris & Reynolds MyWave and the Morris & Reynolds Risk Management & Loss Prevention Services are just a few examples of our forward thinking approach to service.


Our Client Service Underwriters, Client Advocates and Professional Agents are deeply committed to their profession and career-long learning. Our award winning TEAM of professional people, the finest people in insurance, is unique to Morris & Reynolds Insurance. In order to offer our client’s the very finest results possible we constantly seek improvement by way of training, performance measurement and process reviews.

Our corporate office is an approved and certified testing site for the prestigious Insurance Institute of America and their curriculum is part of our ongoing TEAM educational efforts. Morris & Reynolds Insurance is proud of the awards that TEAM members have received from a variety of industry associations and insurers, including the Florida Agent of the Year, The National Agent of the Year and The Customer Service Representative of the Year Honors to name a few.


Every day we work to provide you with the very best coverage, care and solutions available. Our extensive range of professional services, designed to manage your risk and make you and your business more efficient, include:


Businesses change and evolve. Because of this, Morris & Reynolds conducts annual audits of your coverage and the exposures, risks and facts that your insurance is based upon. Working many months in advance of your renewal, we ensure that the coverage and exposures are current so that your renewal will progress as your business does.


Coverage such as workers compensation and general liability are based on estimated exposures that are then audited by the insurer after the policy year ends. Our team of experts is available to assist in the preparation of your audit or even conduct the audit with the insurer for you, to save you time and money.


We place an extreme emphasis on your claims. Morris & Reynolds employs licensed, professional insurance adjusters that manage your claims all year long with state of the art automation. Your assigned Claims Manager at Morris & Reynolds is your expert advocate, dedicated to resolving claims quickly and fairly. Whether it is a simple auto claim, a major fire, a devastating hurricane or a complex lawsuit, we will be right next to you doing our best to support you during what we know can be a traumatic time.


Morris & Reynolds represents hundreds of the world’s leading insurers, brokers, wholesalers, reinsurers and alternative risk related firms in the industry. As your agent, we aggressively seek solutions from all leading insurers in the marketplace and negotiate one insurer against another to arrange the best possible coverage and cost for you.


Protecting your business and bottom line through risk management and loss control can have a dramatic impact in lowering your insurance costs and risk related expenses. The risks that you face can come from a variety of sources including project failures, legal liabilities, natural disasters and even deliberate attacks. We proudly offer you best in class risk management and loss control that can help identify, control and manage the risks you face.


Success in reducing your risk and its associated costs are often found deep in the details of your coverage, claims and business. For this reason, Morris & Reynolds provides a range of detailed stewardship reports and analysis related to your coverage, options, performance, claims and other risk related metrics that are useful in constructing your Protection Plan and managing your risks.


Morris & Reynolds’ MyWave is a truly dynamic internet-based portal that delivers robust, time saving tools and information related to employee benefits, human resources and risk management. Simply log on to your customized homepage to find valuable detailed information as well as interactive postings.

Trusted Insurance

"Savings & Service Has Been Our Policy Since 1950"
14821 South Dixie Highway, Miami, Florida 33176
P 305.238.1000 | F 305.255.9643
E info@morrisandreynolds.com

Independent agent