Employee Benefits Liability Insurance (EBLI) — Protect Your Business From Benefit Plan Errors
- Even small mistakes in managing employee benefits can lead to costly claims. EBLI safeguards your business against errors in enrollment, benefit calculations, and plan administration—giving you peace of mind while protecting your employees’ trust.
Why Covella
Simple & Flexible
- No employees required to qualify
- Short-term or ongoing coverage
- Pay-as-you-go, no hidden costs
Built for Every Business
- Perfect for start-ups and small teams
- Coverage for high-risk industries
- Designed for construction, trucking, restaurants & more
Fast & Hassle-Free
- Get a custom rate in minutes
- Paperwork kept to a minimum
- Digital proof of coverage delivered instantly
Getting Started is Easier Than You Think
01
Fill out the Appetite Check Form
02
Get a Call + Instant Quotes
03
Choose the Right Plan
04
Sign Electronically & Get Covered
Who Needs Employee Benefits Liability Insurance?
- Any employer that offers benefits to employees. Whether you run a small business with just a handful of staff or manage a large corporation with thousands of employees, mistakes in administering benefits can happen—and they can be costly. Employee Benefits Liability Insurance (EBLI) protects you from claims related to errors, omissions, or miscommunication in benefit plans such as health insurance, retirement, or disability coverage.
- Industries and organizations that especially benefit from EBLI include:
- Nonprofits providing staff perks to attract and retain talent.
- HR teams and third-party administrators managing employee benefits.
- If your company offers any form of employee benefits, you need EBLI coverage to stay protected from unexpected liability claims.
What People Say About Us
- "Covella made getting workers' comp coverage so easy. I got my quote in minutes and had my certificate the same day. No hassle, no runaround — just simple, professional service."
- Michael R.
- General Contractor
- "As a small restaurant owner, I didn't think I could afford workers' comp. Covella's pay-as-you-go option was perfect for my budget, and the team walked me through everything."
- Sarah T.
- Restaurant Owner
- "I've been in trucking for 15 years and this is the first time an insurance company actually made the process easy. Quick quotes, fair prices, and real people who care."
- James L.
- Trucking Company
FAQs
Employee Benefits Liability Insurance (EBLI) is a type of coverage that protects employers against claims of errors, omissions, or negligence in the administration of employee benefit plans, such as health insurance, retirement, or disability coverage
Any business that offers employee benefits—whether it’s a small business, large corporation, nonprofit, or organization outsourcing HR—should consider EBLI. Even a single administrative error, like failing to enroll an employee in a health plan, can lead to costly lawsuits.
EBLI typically covers claims related to mistakes in enrollment, termination, benefit calculations, and communication of plan details. It provides financial protection for legal fees, settlements, and defense costs if employees file claims over benefits mismanagement.
No. EBLI covers administrative errors in managing employee benefits, while Fiduciary Liability Insurance protects against breaches of fiduciary duty under ERISA. Many businesses carry both policies to ensure full protection.
The cost of EBLI depends on factors like the number of employees, complexity of benefits, claims history, and coverage limits. On average, small businesses pay $300–$1,000 annually, while larger companies may pay $1,000–$5,000 or more.
Ready to Get Covered?
- Get a custom quote today and start your coverage in minutes.
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