Why Employers Need an EPLI Policy

Did you know that…

  • Seventy-five percent of all litigation against companies today involves employment disputes?
  • The legal landscape is becoming increasingly more onerous for employers regarding their relationship with their employees?
  • Almost 100,000 charges were filed with the Equal Employment Opportunity Commission last year?
  • As the economy continues to falter, high unemployment, layoffs and salary freezes continue to be triggers for lawsuits from disgruntled employees and ex-employees?

Every employer needs a comprehensive Employment Practices Liability (EPL) policy in their risk management portfolio to protect their business from unanticipated claims of discrimination, harassment, wrongful termination, failure to pay overtime, retaliation and other common allegations.

We offer broad EPL coverage and risk management services:

  • Fair Labor Standards Act (FLSA) – $100,000 sublimit for defense and indemnity
  • Defense outside the limit of liability (must purchase $500,000 limit or higher and have under 200 employees)
  • Retentions as low as $1,000 (varies by state, city and class)
  • Third-party discrimination and harassment option available for most classes

For a quote, please submit an EPL Application to Angela Guerrera.

Employment Practices Liability Product


  • Fair Labor Standards Act (FLSA) – $100,000 sub-limit for defense costs and loss (available in most jurisdictions)
  • Defense and Settlement Provision (Hammer Clause) softened to cover 75% of defense costs and loss after insured’s final refusal to consent to settle a claim
  • Defense Outside the Limit up to 200 employees if a $500,000 limit or higher is chosen
  • Full Prior Acts coverage for claim-free accounts for most classes
  • Punitive Damages with most favorable venue wording
    included in the definition of Loss (available in most jurisdictions)
  • Front and Back Pay included in the definition of Loss
  • “For” wording applies to Bodily Injury/ Property Damage
  • Wrongful Act definition expanded to included coverage for the
    negligent violation of the Uniformed Services Employment & Reemployment Rights Act (USERRA)
  • Independent Contractors are included in the definition of
  • Full Severability
  • Spousal Liability extended to Domestic Partners
  • Final Adjudication wording for fraud exclusion
  • Defense costs coverage for breach of express employment
  • Retaliation carve backs for many exclusions
  • Defense costs coverage for claims involving the modification
    of real property


  • A.M. Best rated A++ carrier
  • 3 Year policy available for most classes
  • Optional Third Party Discrimination and Harassment
    coverage available for most classes
  • Extended Reporting Periods of 1, 2, and 3 years available for 50%, 100% and 150% of the annual premium
  • Free human resources consultation HELPLINE service with
    unlimited calls and no time limits plus an online HR Resource
  • Competitive pricing
  • Timely responses to all inquiries and submissions
  • Efficient and fair payment of claim
  • Technical competence

For more information or for a quote, please contact Angela Guerrera.