Colonial General Insurance Agency, Inc. offers a tailored Employment Practices Errors and Omissions (E&O) Insurance solution designed to protect your clients from the growing risks tied to employment-related claims. Whether you're working with small businesses, professional offices, or mid-sized organizations, the potential for costly legal challenges due to hiring, firing, or workplace conduct is ever-present. Our program offers a flexible and competitive market that helps you meet the unique needs of your insureds.
Overview of the Program From Colonial General
Colonial General provides access to affordable and comprehensive E&O coverage for Employment Practices Liability (EPL), available through select admitted and non-admitted markets. As a Managing General Agency and Excess & Surplus Lines Broker, we understand the complex and evolving landscape of employment-related exposures. Our program is structured to help agents and brokers secure reliable protection for clients facing risks such as wrongful termination, discrimination, harassment, and other workplace-related claims.
Ideal Accounts and Appetite
This program is a strong fit for a wide range of businesses with potential exposure to EPL claims, including but not limited to:
- Professional services firms (e.g., legal, accounting, consulting)
- Retail businesses and hospitality operations
- Healthcare offices and clinics
- Light manufacturing and distribution companies
- Non-profits and member-based organizations
We can consider risks with various employee counts and exposure levels. You might have a client operating a regional law office or a growing medical clinic—both can benefit from E&O coverage embedded with strong employment practices protection.
Coverage Highlights and Advantages
- Flexible limits and deductible options available
- Coverage can be packaged with Directors & Officers (D&O) liability
- Defense costs can be included within or outside of policy limits, depending on carrier
- Coverage for full-time, part-time, and seasonal employees
- Access to risk management tools and legal support resources (varies by carrier)
Premiums are based on key underwriting factors such as the number of employees and the nature of the business operations.
Underwriting Notes and Minimum Premiums
Our underwriters evaluate submissions based on the size and scope of the business, prior claims history, HR practices in place, and industry classification. While minimum premiums vary by carrier and risk profile, we are committed to offering competitive pricing options for qualifying accounts.
Territories and Availability
This Employment Practices Errors and Omissions Insurance program is available in the following states:
- Arizona (AZ)
- California (CA)
- Colorado (CO)
- Idaho (ID)
- Nevada (NV)
- New Mexico (NM)
- Utah (UT)
- Wyoming (WY)
Admitted products are available in select markets, while non-admitted options may be offered depending on the risk.
Why Work With Colonial General?
Colonial General brings decades of wholesale and MGA experience to the table. Our deep market access and underwriting expertise allow us to help agents place hard-to-place or niche risks with confidence. We offer personalized service, quick turnaround times, and the ability to customize solutions to meet the needs of diverse clients. Whether your client is facing a heightened risk environment or simply needs a thorough EPLI policy as part of their risk management plan, Colonial General is here to help.
Frequently Asked Questions
What types of accounts are a good fit for this program?
We typically write small to mid-sized businesses across professional services, healthcare, retail, light manufacturing, and nonprofits with exposure to employment-related claims.
Can this policy be packaged with other coverages?
Yes, Employment Practices E&O coverage can be packaged with Directors & Officers (D&O) liability and other management liability products when appropriate.
Are both admitted and non-admitted markets used?
Yes, we access both admitted and non-admitted markets depending on the risk profile and state availability.
What underwriting information is needed for a quote?
Typical submissions should include a completed application, number of employees, business description, loss history, and details about HR policies and procedures.
In which states is this program available?
This program is available in AZ, CA, CO, ID, NV, NM, UT, and WY.
Need help placing an account? Connect with a market specialist.