Employment Practices Liability Insurance — OnPoint Underwriting
OnPoint Underwriting’s Employment Practices Liability Insurance (EPLI) program helps agents place comprehensive protection for employers facing employment-related claims. This program is offered through OnPoint as a program administrator and provides coverage for alleged discrimination, wrongful termination, sexual harassment, retaliation, and other employment practices claims brought by current, former, or prospective employees. It also includes important ancillary protections—such as third-party liability and cyber coverage for unauthorized access to employee information—that many competitors do not bundle as standard.
Overview — what this program does for your clients
Designed for small and mid-size employers, the program provides primary defense expense and liability protection to manage legal costs and settlements arising from employment disputes. Coverage highlights include a $1,000,000 expense/limit framework, wage-and-hour sublimits, workplace incident funding, and access to workplace resources to help reduce claim frequency and severity.
Coverage highlights and advantages
- $1,000,000 expense coverage
- $100,000 sublimit for wage and hour exposures
- Third-party liability coverage for harassment or discrimination claims by non-employees
- Cyber liability for unauthorized access to employee information (limited cyber protection focused on employee data)
- $100,000 workplace incident fund sublimit to help with immediate incident-related costs
- Access to Workplace Helpline LLC resources available to all insureds to assist with HR issues and risk mitigation
- Placement capacity through various carriers to provide flexible admitted and non-admitted options
Ideal accounts and appetite
This EPLI program is a strong fit for:
- Small to mid-size employers across professional services, healthcare offices, technology firms, hospitality and retail operations, staffing agencies, and non-profits
- Employers with formal HR practices, written policies, and basic training programs
- Organizations seeking bundled protection that includes third-party and limited cyber exposure tied to employee data
Accounts that typically do not fit are those with active class-action suits, systemic employment practice deficiencies, or extensive prior EPL claim histories without remediation.
Underwriting notes and minimum premiums
Underwriters will look for core submission elements: up-to-date employee handbooks and policies, payroll estimates, loss runs, and descriptions of HR procedures and training. There is no stated minimum premium for this program, but final pricing depends on class, payroll, claims history, limits, and selected deductible.
Territories and admitted status
Availability: All Available Markets. The program is offered in the following states and districts — AL, AK, AZ, AR, CA, CO, CT, DE, FL, GA, HI, ID, IL, IN, IA, KS, KY, LA, ME, MD, MA, MI, MN, MS, MO, MT, NE, NV, NH, NJ, NM, NY, NC, ND, OH, OK, OR, PA, RI, SC, SD, TN, TX, UT, VT, VA, WA, DC, WV, WI, WY. OnPoint can place admitted or non-admitted business as appropriate to the risk and carrier appetite.
Why place this business with OnPoint Underwriting?
OnPoint combines program-level limits and specific sublimits with practical risk management resources (Workplace Helpline) and access to multiple carriers, giving you flexibility at submission and stronger placement options for employers who want tailored EPL protection. Underwriters are responsive to reasonable underwriting submissions and prioritize accounts with documented HR controls and loss prevention efforts.
Example scenarios
You might place a 75-employee technology firm that needs EPL coverage plus protection for employee data in HR systems, or a regional restaurant group seeking wage & hour coverage and a workplace incident fund to respond quickly to an allegation. Both would benefit from the program’s bundled features and access to HR support resources.
For additional information on OnPoint Underwriting's Employment Practices Liability Insurance program, please contact Leaticia Roberts @ (404) 460-1372 or [email protected] or visit our website at www.onpointunderwriting.com.