EPLI, WCI and ADR: What’s the Difference?

rain falling on a windy road with title - Help For those rainy days... EPLI, Worker's Comp, and ADR And how they are different
Rainy days will come, it’s a part of life. Rainy days for a business take the form of workplace injuries, workplace disputes, and employees suing their employers.

Fortunately, employer solutions like employment practice liability insurance, worker’s comp and alternate dispute resolution exist to help you get through these rainy days. Although these are all solutions that help employers get through rainy days, they are different. Here’s the basics you need to know about each of them.


When a workplace injury occurs you will want to have some worker’s compensation insurance (WCI) on your side. This will ensure the employee is financially taken care of while they recover. You can find an in-depth description here.

What Does WCI Cover?

  • Medical services
  • Rehabilitation services
  • Lost income
  • Vocational training

Check out some of our other workers’ comp articles:

What to do When a Workplace Injury Occurs

The 5 Secrets to Identifying PEO Workers’ Comp that’s Better Than Your Average ‘Cup-of-Joe’

Safety as a Competitive Advantage

Modified Duty Works for Employers and Employees

How An Effective Safety Program Can Get You Out of the Dog House


Alternate dispute resolution is a type of employer liability insurance that will help your business avoid the courtroom completely. The goal is to resolve issues through mediation and arbitration in an economical manner that is fair to both the business and employee.

90% of businesses surveyed viewed ADR as a critical cost-control technique. (Cornell Business News)

Employers Resource Offers an ADR Program

Our ADR program provides businesses with a quick, affordable, easy-to-understand process of settling disputes in a truly neutral manner.

Our Program Manages Your Disputes:

  • Quickly – Mediation ends disputes 93% of the time, usually within 45 days.
  • Economically – Potentially 98% less than the cost to litigate.
  • Fairly – The mediation process results in mutually agreed upon solutions.
  • Privately – Mediation and arbitrations are private and confidential.

Read the Employers Resource ADR Q&A for more information and check out this case study.


Employment practices liability insurance is another form of protection. Like ADR, this helps when a business is being sued by an employee past or current. The most frequent types of claims covered are: wrongful termination, discrimination, sexual harassment, and retaliation.

Unlike ADR, EPLI Does Not:

  • Resolve issues
  • Keep you out of court
  • Stop attorneys from playing games
  • Limit cost
  • Lessen time

ADR VS. EPLI – What’s the Difference?

  • Cost
  • Coverage & Exclusions
  • Underwriting
  • Time
  • Settlement

Choose ADR – If You Run a Business

As always, we hope this information was useful to you. Sign up to receive instant, daily, weekly, OR monthly updates from our blog, The Owners Manual.

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