Employment Practices Liability Insurance (EPLI Coverage)

Business people speaking together during meeting in the office

Sometimes EPLI coverage is needed because, unfortunately, you don’t have to be wrong to be sued. Employers, regardless of size or the nature of business, face a variety of employment practice exposures, and the possibility of legal action. It is estimated that there are over 40 million lawsuits filed every year in the US. Make sure you are covered by a name you can trust with the expertise and history to help.

Claims may arise from purported wrongful termination, harassment, discrimination, retaliation, the failure to employ or promote employees, and other such legal allegations. Our employment practices liability policies (EPLI coverage) are for the retail, manufacturing, and technology industries as well as businesses that are harder to place such as contractors, hotels, restaurants, auto dealers, and many other industries. Midlands EPLI coverage is available for both private and public companies dependant on their needs.

EPLI COVERAGE HIGHLIGHTS

  • EPLI coverage limits up to $25,000,000
  • Wage & Hour sub-limits of defense available
  • Duty to defend with the insured having the right to assume the defense
  • Broad definition of Insured including the Company, all employees, and any leased employees
  • Third-party liability coverage
  • Option for cost of defense outside the limit on most small accounts
  • EPLI coverage policies are issued quickly and can be emailed
  • Risk Management programs available
  • Direct access to a skilled and responsive underwriting team with decades of combined experience in EPLI
  • Full prior act coverage (retrograde)
  • Minimum retentions of $5,000
  • Definition of insured events include:
    • Discrimination
    • Sexual harassment
    • Wrongful termination/demotion/discipline
    • Failure to hire/promote/fire/demote
    • Wrongful infliction of emotional distress
    • False imprisonment/detention, malicious prosecution
    • Libel, slander, defamation of character, invasion of privacy
  • Competitive pricing on policies
  • Worldwide coverage, not country-specific
  • Consideration of risks ranging from 2 to over 100,000 employees
  • Various retention credits

EPLI COVERAGE SUBMISSIONS

EPLI COVERAGE UNDERWRITER

Jennie Reed
(972) 588-2007
jreed@midman.com