Too Small to Get Sued? Why Texas Businesses Need EPLI in 2026

Call Schell Insurance at (972) 423-4546 for a personalized quote or visit https://schellinsurance.com to learn more about their comprehensive insurance solutions.Think your North Texas business is too small to face an employee lawsuit? Since September 2021, that assumption could cost you everything. In this episode of Insurance Talk Texas, we break down Employment Practices Liability Insurance (EPLI) and the Texas law changes that put nearly every employer in the state at risk — even those with a single employee.Most owners assume their Business Owners Policy already covers employment claims. It usually doesn't. EPLI is a separate coverage built to protect your business against claims of wrongful termination, discrimination, harassment, retaliation, and failure to hire or promote — the kinds of claims that can rack up six figures in legal defense costs even when you've done nothing wrong and ultimately win.Here's what every Texas business owner needs to understand:✅ Texas Labor Code Chapter 21 (the Texas Commission on Human Rights Act) governs employment discrimination in our state ✅ Senate Bill 45 redefined "employer" for sexual harassment claims to include ANY business with one or more employees — the old 15-employee shield no longer applies ✅ Supervisors, managers, and owners can now be held PERSONALLY liable ✅ The legal standard rose from "prompt remedial action" to "immediate and appropriate corrective action" ✅ House Bill 21 extended the harassment filing window from 180 to 300 days ✅ Texas ranks #1 in the nation for discrimination charges filed ✅ EPLI is written on a claims-made basis — retroactive dates and tail coverage matterWhether you run a contracting crew, a restaurant, a retail shop, a medical practice, or a professional services firm in Frisco, McKinney, Plano, Prosper, Allen, or anywhere across Collin and Denton County, the team at Schell Insurance can review your employment practices coverage and find the gaps before a claim ever lands.Don't wait for a demand letter or a Texas Workforce Commission complaint to find out you're exposed. By then, it's too late to protect your business from that claim.📞 Call Schell Insurance at (972) 423-4546 🌐 Visit https://schellinsurance.com 📍 Proudly serving North Texas: Frisco, McKinney, Plano, Prosper, Allen, and the greater Collin and Denton County areaSchell Insurance is an independent agency, which means they shop multiple carriers to find coverage that actually fits your business — not a one-size-fits-all template. Protect your people, protect your business, protect yourself.Subscribe to Insurance Talk Texas for weekly, easy-to-understand insurance education built specifically for Texas homeowners, drivers, families, and business owners.⚠️ This content is for educational purposes only and does not constitute legal or insurance advice. Coverage details, eligibility, and regulations vary. Contact a licensed Texas insurance professional at Schell Insurance for guidance specific to your situation.#EPLI #EmploymentPracticesLiability #TexasBusiness #SmallBusinessInsurance #SchellInsurance #InsuranceTalkTexas #NorthTexas #FriscoTX #McKinneyTX #PlanoTX #ProsperTX #AllenTX #CollinCounty #DentonCounty #BusinessInsurance #TexasEmploymentLaw #WrongfulTermination #WorkplaceHarassment #SB45 #SmallBusinessTexas #BusinessOwners #RiskManagement #TexasWorkforceCommission #ManagementLiability #InsuranceEducation #ProtectYourBusiness