From workplace injuries to employee lawsuits, your responsibilities as an employer come with serious risk. At AEC Insurance Services, we help you build a safety net that covers both physical and legal exposures—so you can focus on running your business confidently.
Workers’ Compensation Insurance
Coverage for work-related injuries and illnesses
Required by law in California, workers’ comp protects both your employees and your business if someone gets hurt on the job.
What It Covers:
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Medical expenses and rehabilitation
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Lost wages and disability benefits
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Employer liability (in case of a lawsuit)
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Death benefits for families in worst-case scenarios
Who Needs It:
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Any business with employees, including part-time and seasonal
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Sole proprietors and contractors may want optional coverage for themselves
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Businesses using 1099 workers should consult us to assess true classification
Value We Bring:
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Access to top-rated carriers, including Travelers
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Guidance on audits and payroll classifications
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Assistance navigating claims and preventing fraud
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Pay-as-you-go and bundled billing options available
EPLI – Employment Practices Liability Insurance
Coverage for employee-related lawsuits
Even with the best HR practices, employers face growing risks tied to employment-related claims. EPLI covers the legal costs if a current, former, or prospective employee brings a claim against your business.
What It Protects Against:
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Wrongful termination
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Harassment (sexual or otherwise)
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Discrimination (age, gender, race, disability, etc.)
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Retaliation
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Failure to promote or hire
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Breach of employment contract
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Inaccurate wage & hour claims (limited)
Who Needs It:
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Any business with employees
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Especially important for companies growing quickly or downsizing
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A must-have for industries with high turnover or client-facing roles
Why EPLI Matters:
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Legal defense is expensive—even when you’re not at fault
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Settlements and judgments can be financially devastating
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Can be bundled with your Business Owner’s Policy (BOP) or written stand-alone
Why These Coverages Work Together
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Workers’ Comp handles physical injury claims.
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EPLI handles emotional, financial, or reputation-based claims.
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Together, they form a solid foundation for smart risk management and compliance.
Frequently Asked Questions
Is workers’ comp legally required in California?
Yes. All employers must carry workers’ comp—even if you only have one part-time employee.
Can I get EPLI coverage as a small business?
Absolutely. EPLI isn’t just for large corporations. Small and mid-sized businesses are just as vulnerable to employment claims and often have fewer resources to defend themselves.
What if I use 1099 contractors instead of W-2 employees?
Misclassification is a major issue. We’ll help you determine your exposure and advise on when coverage is still a smart move—or a legal requirement.
Is EPLI included in a general liability policy?
No. EPLI must be added on separately. Some business owner’s policies (BOPs) offer endorsements, but we often recommend a broader stand-alone EPLI policy depending on your risk.
Let’s Review Your Coverage
We’ll help you protect the business you’ve worked so hard to build—with coverage that’s legally compliant and financially smart.
Call: 805-328-5001
Email: info@aecinsuranceservices.com