How Third to First Reimagines EPLI to Support Employees and Reduce Toxic Workplace Culture

Host Barbara Zabawa welcomes Kit Chaskin and Lauren Golanty, co-founders of Third to First, to discuss how traditional Employment Practices Liability Insurance (EPLI) frames employees who report harassment or discrimination as adverse third parties, discouraging reporting and shaping HR and management practices. They explain their “Third to First” endorsement, which converts EPLI to first-party reimbursement coverage for verified employee-on-employee Title VII harms after a company investigation, helping fund efforts to make survivors whole (such as counseling or team transfers) while also supporting accountability for harassers, including potential termination and related claims. The guests share their timeline from early R&D to Fast Company recognition and describe their services helping employers, brokers, and insurers implement the endorsement and roll it out internally to encourage early reporting and safer workplaces. Learn more at https://www.thirdtofirst.com/, 00:00 Welcome and Introductions02:01 What Is EPLI03:45 Why EPLI Hurts Workers06:01 Third to First Solution06:58 Origin Story and R&D09:39 How the Endorsement Works12:16 Training and Systemic Change14:37 Reporting and HR Trust Gap16:53 Rollout and Early Reporting18:53 Services and Business Model21:03 Who Adopts This22:38 How to Learn More24:32 Closing ThanksLearn more about Wellness Law at www.wellnesslaw.com.