No one understands managing risk like a law firm. However, legal professionals often prioritize their clients’ needs over their own internal exposures—especially when it comes to Employment Practices Liability Insurance (EPLI). Without the right EPLI coverage, law firms leave themselves vulnerable to significant financial and reputational harm due to employment-related claims.
Employment Practices Liability Insurance for Law Firms
Capitol Special Risks offers a tailored Employment Practices Liability Insurance (EPLI) program specifically designed for law firms. We understand the unique exposures legal practices face, including complex internal hierarchies, partner-track promotions, and client-facing personnel. Our program provides broad and flexible coverage options through multiple carriers, giving retail agents access to competitive markets across the country.
Ideal Accounts and Appetite
This program is a great fit for law firms of all sizes, from boutique practices to large multi-state firms. Whether your client is a small employment law office or a mid-sized litigation firm, they can benefit from specialized coverage that addresses:
- Allegations of wrongful termination, discrimination, or harassment
- Claims involving third-party harassment or discrimination
- Issues surrounding wage and hour disputes
- Failure to promote or disputes around partnership decisions
Capitol Special Risks works with multiple carriers to find the right solution for your client’s risk profile—offering both admitted and non-admitted options across all available markets.
Coverage Highlights and Advantages
- Wage & Hour Defense Sublimit
- Fair Labor Standards Act (FLSA) Defense Sublimit
- Third-Party Harassment/Discrimination Coverage
- Defense Costs Outside the Limit
- Claims Arising from Failure to Promote or Make Partner
Risk management services may be available depending on the carrier
Underwriting Notes and Minimum Premiums
Minimum premiums vary depending on the carrier and the risk profile of your client. Capitol Special Risks offers fast turnaround times and easy submission processes. We never charge a broker fee, making it easier for agents to provide competitive EPLI solutions to their legal clients.
Territories and Availability
This program is available in all 50 states, including CA, TX, NY, FL, IL, and more. Whether your client operates in a single state or across multiple jurisdictions, Capitol Special Risks can help you secure the right coverage.
Why Work With Capitol Special Risks?
As a wholesale broker with decades of experience in professional liability, Capitol Special Risks understands the nuances of EPLI for law firms. We offer:
- Access to multiple carriers for flexible placement options
- Programs tailored to professional services firms
- Fast quotes and responsive service
- No broker fees
If you have a legal client with growing staff or undergoing internal restructuring, now is the time to review their EPLI needs. Contact Capitol Special Risks today to learn how we can help you protect your clients’ most valuable asset—their people.
In CA, Capitol Special Risks, Inc. dba: Capitol Special Risks Insurance Service – CA Fire & Casualty Agency – #0C46094
Frequently Asked Questions
What types of law firms are best suited for this EPLI program?
This program is ideal for small to mid-sized law firms, especially those with multiple employees, support staff, or a formal partner track structure.
Is third-party harassment coverage included?
Yes, the program includes coverage for third-party harassment and discrimination claims, which is particularly important for client-facing legal staff.
Can this program be written in all 50 states?
Yes, it is available in all 50 states through multiple admitted and non-admitted markets.
What are the minimum premium requirements?
Minimum premiums vary based on the carrier and risk profile, but Capitol Special Risks works to find the best option for each submission.
Does Capitol Special Risks charge a broker fee?
No, Capitol Special Risks does not charge broker fees, helping you deliver cost-effective solutions to your clients.
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