This insurance is important if you have employees. This EPLI coverage was created in response to major legal changes in the 1990’s regarding the Civil Rights Act of 1991. Americans with Disabilities Act, and the Family Medical Leave Act, all of which provided employees significantly more rights when dealing with their employers. This insurance is targeted to cover businesses against lawsuits by workers for sexual harassment, discrimination, wrongful termination, breach of employment and other employee legal right infractions.