Dennis and Stephanie stumble out of an HR presentation and straight into the wonderfully litigious world of Employment Practices Liability Insurance (EPLI). Between Dennis’ Ozarks charm and Stephanie’s “that really chaps my ass” energy, they skewer the myth that “we’ll just hire a lawyer” is cheaper than having coverage. From wrongful termination to TikTok-inspired “pranks,” vendor side-eye, retaliation, wage & hour landmines, and why endorsements are the dollar-store version of a real policy—this episode is your slightly sarcastic, very practical tour of why EPLI belongs in every business’s toolkit. Think of it as paying a retainer for an attorney you hope you never need… except it actually shows up.

Chapters

00:00 - Names Are Hard, Lawsuits Are Easy

02:00 - EPLI 101: The “People Problems” Policy

03:30 - Workers’ Comp vs. EPLI: Bruises vs. Beef

05:10 - Wrongful Termination & The “Any Lawyer Will Do” Delusion

07:20 - Defense Costs: Six-Minute Phone Call, Four-Figure Bill

09:40 - The Attorney Scavenger Hunt (Deadline Edition)

12:50 - Insurance = Retainer You Hope You Never Need

15:00 - Harassment Happens (Yes, Even From Vendors & Customers)

19:00 - Failure to Promote: Everybody’s Mad, Someone’s Suing

20:30 - Hostile Work Environments & Bathroom Bottle Rockets (Please Don’t)

22:10 - TikTok Pranks → Viral Regret → Hello, EPLI

24:00 - Wage & Hour: “Sometimes Excluded” = Sometimes Your Problem

26:00 - Retaliation: Report It, Get Shunned, Get Litigious

27:20 - Privacy & HIPAA: Double Whammy, Triple Advil

28:10 - Endorsement vs. Standalone: Don’t Bring a Butter Knife to a Lawsuit

29:20 - Limits & Cost: How Offensive Are You (Kidding… Mostly)

33:10 - Plaintiff Attorneys Love Settlements—Get Coverage Anyway

34:30 - The Sermon: Get the Damn Coverage

35:10 - Wrap: Questions, Coffee, and Contact Info

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