Which of the following best describes the purpose of Employment Practices Liability (EPLI) insurance?

Employment Practices Liability (EPLI) insurance is specifically designed to cover claims made by employees regarding their rights in the workplace. This type of insurance provides coverage against allegations of discrimination, wrongful termination, sexual harassment, and other employment-related issues. It is essential for protecting organizations from the financial implications that can arise from such claims, as legal costs, settlements, and awards can be significant.

The reason this option accurately captures the primary purpose of EPLI is that it addresses the legal and financial risks associated with employment practices, which are increasingly under scrutiny in today's work environment. Businesses face numerous challenges related to workforce management, making EPLI a crucial part of their risk management strategy to protect against lawsuits from employees.

The other options, while they represent potential areas of concern for businesses, do not align with the specific protections offered by EPLI. Public relations issues, physical asset insurance, and natural disasters fall outside the scope of employment-related claims, thus reinforcing why the selected answer is the best fit for the purpose of EPLI insurance.