Overview of the Program From Continental Risk
Employment-related lawsuits continue to rise, and employers of all sizes face serious financial risk from claims related to wrongful termination, discrimination, harassment, and wage and hour violations. Continental Risk / Continental Marine Insurance Services offers a flexible Employment Practices Liability Insurance (EPLI) program designed to help your clients manage these evolving exposures—with the added advantage of a wage and hour sublimit.
Ideal Accounts and Appetite
Our EPLI program is designed for a wide range of businesses, from small to mid-sized firms to larger organizations with more complex risks. We have strong appetite for the following classes:
- Auto Dealers
- Physicians and Medical Practices
- Law Firms
- Manufacturers
- Construction Companies
- Restaurants and Hospitality Businesses
- Staffing Agencies and PEOs
- Property Managers
- Healthcare Entities
- Insurance and Financial Institutions
- Real Estate Firms
- Casinos
- And many more
Whether you’re placing a 50-employee medical group or a regional construction firm with exposure to wage and hour claims, this program offers flexible solutions tailored to your insured's needs.
Coverage Highlights and Advantages
- Wage and Hour defense sublimit available up to $1,000,000 (subject to underwriting)
- Unlimited HR support via telephone and email to help your clients proactively manage risk
- “All Risk” coverage for violations of federal, state, local, civil rights, or anti-discrimination laws
- Wrongful Termination coverage includes Constructive Discharge
- Broad definitions and strong policy language designed to minimize gaps
Note: Terms and conditions may vary based on underwriting guidelines.
Underwriting Notes and Minimum Premium
The minimum premium for this EPLI program starts at $1,000. Limits and terms are subject to underwriting, and we work closely with brokers to evaluate each risk individually. We welcome accounts with prior claims history for review.
Territories and Availability
This program is available in the following states: AL, AK, AZ, CA, FL, GA, ID, MO, NV, NY, NC, OH, OR, TN, TX, UT, and WA. Some admitted options are available depending on the state and risk profile; however, most placements are through non-admitted carriers.
Why Work With Continental Risk
As an experienced Excess & Surplus Lines Broker, Continental Risk / Continental Marine Insurance Services brings deep market access and underwriting expertise to the table. Our team is committed to helping agents secure the best possible EPLI solutions for their clients—with responsive service and tailored coverage options.
If you have clients in high-risk sectors or those who need help managing employee-related exposures, we’re ready to support you with competitive programs and knowledgeable underwriting support.
Frequently Asked Questions
What types of accounts are a good fit for this EPLI program?
This program is ideal for businesses in sectors such as healthcare, legal, hospitality, staffing, construction, and financial services. We welcome both small and mid-sized businesses as well as larger firms with complex exposures.
Does the policy include coverage for wage and hour claims?
Yes, the program includes a sublimit for Wage and Hour defense costs, with limits up to $1 million available, subject to underwriting.
Is HR support included with the policy?
Yes, unlimited HR support by phone and email is included to help your clients proactively manage employee relations and mitigate EPLI exposures.
What is the minimum premium for this program?
The minimum premium starts at $1,000, though final pricing will depend on underwriting factors such as industry, number of employees, and claims history.
Which states is this program available in?
We offer this EPLI program in AL, AK, AZ, CA, FL, GA, ID, MO, NV, NY, NC, OH, OR, TN, TX, UT, and WA. Availability may vary depending on the risk and carrier.
Need help placing an account? Connect with a market specialist.