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Employment Policy & Liability Insurance

Your employees count on you to care about their needs. You can count on us for your insurance.

Employment Practices Liability Insurance from the Ryan Agencies


Employment practices liability insurance, also know as EPL insurance or EPLI, provides coverage to you as an employer against the risk of employee claims alleging discrimination (based on sex, race, age or disability, for example), wrongful termination, harassment and other employment-related issues.

Small or new businesses are often the most vulnerable to employment claims. That’s because they may lack a legal department or employee handbook detailing the policies and procedures that guide hiring, disciplining or terminating employees. That is why we work with business like yours to help protect them from employment claims.

Stop in and see us today, or give us a call. We would LOVE to learn more about your business and assist you with securing the right insurance coverage for it.


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A Business, A Legacy, A Long-Lost Sign

March 11, 2025
The year 1962 was marked by historic events—from the Cuban Missile Crisis to the passing of Marilyn Monroe. But while the world focused on these headlines, Lee A. Ryan was working alongside his brothers on my grandparents' farm when an unexpected opportunity arose—an invitation to join the insurance business. With no prior experience, no clients, and limited resources, my dad took a leap of faith and partnered with Nationwide Insurance to start an agency from scratch. Operating out of his home on Karr Valley Road in Almond, NY, he built his business one relationship at a time (some of whom are still clients!), laying the foundation for what would become a lasting legacy.
“Am I covered if I drive someone else’s car?” Or, “Am I covered if someone else drives mine?”

“Am I covered if I drive someone else’s car?” Or, “Am I covered if someone else drives mine?”

By Jeff Ryan • February 3, 2025
“Am I covered if I drive someone else’s car?” Or, “Am I covered if someone else drives mine?”
Many don’t realize that the insurance industry is one of the country's most regulated business segme

How is the insurance industry held accountable to protect policyholders?

By Jeff Ryan - CLU, ChFC, AIA, CIC, CPCU • January 21, 2025
Many don’t realize that the insurance industry is one of the country's most regulated business segments, especially in New York State. The New York State Department of Financial Services (NYS DFS) wields significant control over the insurance business and has a stated goal of protecting consumers.
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