No matter how well your insureds manage the workplace, employment-related claims can still arise—and defending them can be expensive. Professional Liability Insurance Services, Inc.® (PLIS) offers the ESI – Employment Practices Liability Insurance program to help agents place EPLI for clients across industries and company sizes. The program combines broad coverage, flexible underwriting, and fast turnaround supported by experienced underwriters and risk management partners.
Ideal Accounts and Appetite
The ESI-EPLI program is designed for employers of all sizes—from small local operations to large multi-state companies. It fits clients across industries including tech, healthcare, manufacturing, retail, and professional services. The program is particularly useful for employers with:
- Employees in multiple states with differing compliance requirements
- Concerns about wrongful termination, discrimination, or harassment claims
- Exposure from prior acts or recent downsizing/reorganization
- Need for EEOC administrative defense coverage and real-time HR/legal support
Coverage Highlights and Advantages
Underwritten by Certain Underwriters at Lloyd’s (A.M. Best rated A), ESI-EPLI provides robust core protection plus value-added services:
- First-dollar coverage for EEOC administrative proceedings (up to $2,500) before the deductible applies
- Up to 50% deductible reduction available
- Prior-acts coverage with a premium discount for inception coverage
- Optional third-party liability (discount available if excluded)
- Coverage for FMLA, EPA, WARN Act, USERRA, and reorganization/downsizing exposures where insurable
- Broad definitions for discrimination, harassment, and inappropriate conduct
- Punitive, exemplary, and liquidated damages covered where insurable
- Oral or written complaints accepted under broad reporting language
- Claims-made-and-reported form with duty-to-defend and policy-paid defense on behalf of the insured
- Limits available up to $5M/$10M, with optional defense outside the limits for an additional premium
Risk Management Services
PLIS partners with Specialty Risk Management® (SRM®) to deliver complimentary and pay-for services that reduce claims frequency and severity:
- Free handbook and policy review or sample policies
- Free unlimited access to a 1-800 hotline for immediate HR and legal guidance
- Additional services such as on-site investigations, train-the-trainer, and supervisor training available for a nominal fee
Underwriting Notes and Minimum Premiums
There is no set minimum premium, so the program is accessible for small and midsize accounts as well as larger employers. Most submissions receive a 24–48 hour indication; agents can begin with a one-page short-form worksheet for a non-binding quote. Original documentation is not required at submission, and premium financing is available.
Territories and Availability
ESI-EPLI is available nationwide—licensed in all 50 states and Washington, D.C.—and is placed on a non-admitted basis through Lloyd’s of London. PLIS works with agents to address surplus lines compliance and filing requirements where applicable.
Why Work With PLIS on EPLI?
PLIS specializes in professional and management liability products with hands-on underwriting support—real people who help you place business quickly. The firm combines competitive pricing, flexible terms, and Lloyd’s capacity to handle complex or multi-state exposures. Agents benefit from fast turnaround, risk-management resources, and an underwriting team familiar with employment liability nuances.
Frequently Asked Questions
What types of accounts are a good fit for the ESI-EPLI program?
Any size employer across industries can qualify. The program is especially well suited for multi-state employers, organizations facing organizational change, or companies with prior acts exposure.
Is prior acts coverage available?
Yes. Prior acts coverage is available and a premium discount may apply when adding inception/prior-acts protection.
Can small businesses qualify?
Yes. There is no fixed minimum premium requirement, making the program accessible to smaller employers as well as larger accounts.
What risk-management support do insureds receive?
Insureds receive free access to a 1-800 HR/legal hotline and a complimentary handbook or policy review. Additional training and on-site services are available for a fee.
How quickly can I get an indication?
Most submissions receive a 24–48 hour turnaround. Agents can submit a one-page short-form worksheet for a non-binding indication without original documentation up front.
Need help placing an account? Connect with a market specialist.