How Third to First Reimagines EPLI to Support Employees and Reduce Toxic Workplace Culture

Host Barbara Zabawa welcomes Kit Chaskin and Lauren Galante, co-founders of Third to First, to discuss how traditional Employment Practices Liability Insurance (EPLI) frames employees who report harassment or discrimination as adverse third parties, discouraging reporting and shaping HR and management practices. They explain their “Third to First” endorsement, which converts EPLI to first-party reimbursement coverage for verified employee-on-employee Title VII harms after a company investigation, helping fund efforts to make survivors whole (such as counseling or team transfers) while also supporting accountability for harassers, including potential termination and related claims. The guests share their timeline from early R&D to Fast Company recognition and describe their services helping employers, brokers, and insurers implement the endorsement and roll it out internally to encourage early reporting and safer workplaces. Learn more at https://www.thirdtofirst.com/, 
00:00 Welcome and Introductions
02:01 What Is EPLI
03:45 Why EPLI Hurts Workers
06:01 Third to First Solution
06:58 Origin Story and R&D
09:39 How the Endorsement Works
12:16 Training and Systemic Change
14:37 Reporting and HR Trust Gap
16:53 Rollout and Early Reporting
18:53 Services and Business Model
21:03 Who Adopts This
22:38 How to Learn More
24:32 Closing Thanks

Learn more about Wellness Law at www.wellnesslaw.com.