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Alexander J. Wayne & Associates, Inc.
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Alexander J. Wayne & Associates, Inc.
Contact Us
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Employer Practices Liability Insurance

Employee lawsuits can be devastating to a business—they can be inconvenient, costly, and time-consuming.

Employment-related claims continue to rise across the United States, posing a significant threat to businesses of all sizes—especially small and mid-sized companies that may lack the resources to defend against such claims. Whether it's allegations of discrimination, harassment, wrongful termination, or violations of workplace laws, employers need protection. With Employer Practices Liability Insurance (EPLI) from Alexander J. Wayne & Associates, Inc., insurance agents and brokers can help their clients manage this growing exposure. Our comprehensive EPLI program is designed to safeguard businesses against the financial and reputational damage that can stem from employee lawsuits.

Ideal Accounts and Appetite

We work with a wide variety of businesses across all industries. This program is a strong fit for:
  • Small to mid-sized businesses with 5–500 employees
  • Privately held companies or nonprofits
  • Clients with prior employment practices policies or new to EPLI coverage
  • Accounts with a commitment to formal HR practices and workplace policies
You might have a client in retail, hospitality, healthcare, or professional services who recently terminated an employee and is concerned about potential claims. This program can help protect them from the legal and financial fallout.

Coverage Highlights and Advantages

Our EPLI program includes broad, flexible protection to address the evolving risks of the modern workplace. Coverage features include: • Third Party Liability
• Discrimination
• Wrongful Termination
• Defense Costs Outside the Limits
• No Intentional Acts Exclusion
• Internet and Email-Related Employment Acts
• Coverage for Retaliation, Demotion, Failure to Promote, Wrongful Discipline, and more
• Violations of the Family Medical Leave Act (FMLA)
• Extension of Coverage for Lawful Spouses
• Broad Definition of Harassment, including Sexual Harassment
• Free Employment Practices Hotline – Unlimited Calls, No Time Limits
• FLSA Sublimit

Underwriting Notes and Minimum Premiums

Premiums for this program start as low as $1,500, making it accessible for a wide range of clients. The application process itself provides valuable insights for businesses looking to improve their internal employment practices—even before binding coverage. We offer flexible underwriting and access to most major insurance markets writing EPLI, including but not limited to ACE USA, Beazley, CNA, Chartis, Allied World, Axis, and more.

Territories and Availability

This program is available in all 50 states and Washington, D.C., giving you nationwide reach for your clients. Whether your client is in California, Texas, New York, or a smaller market, we can help you find the right EPLI solution.

Why Work With Alexander J. Wayne & Associates, Inc.

As a leading wholesale broker with deep expertise in EPLI and professional liability, Alexander J. Wayne & Associates, Inc. is your go-to partner for hard-to-place or specialized employment practices risks. We provide responsive service, expert guidance, and access to top-tier carriers—ensuring you get the best coverage options for your clients. Let us help you offer peace of mind to your commercial clients by protecting them from today’s complex employment risks.

Frequently Asked Questions

What types of accounts are a good fit for this EPLI program?

Small to mid-sized businesses across various industries—especially those with 5 to 500 employees—are ideal for this program. We also work with nonprofits and privately held companies.

Which states is this program available in?

This Employer Practices Liability Insurance program is available in all 50 states and Washington, D.C.

What carriers do you work with for EPLI coverage?

We have access to a wide range of top-rated carriers, including ACE USA, Beazley, CNA, Chartis, Allied World, Axis, and many others.

Is there a minimum premium requirement?

Yes, the minimum premium for this EPLI program typically starts at $1,500, though this may vary based on the account.

Does the program include any value-added services?

Yes, the program includes a free employment practices hotline with unlimited calls and no time limits, providing added value to your insureds.

Need help placing an account? Connect with a market specialist.

U.S. States Available

  • U.S. States Available:
  • Provider Type:
    Wholesale Broker
  • Admitted:
    All Available States
  • Carriers:
  • Carrier Ratings:
    A.M. Best A- rated or higher
  • Commission:
    Commissions vary depending on particular insurance carrier. Standard commission is 10% or more.
  • Min Premium:
    $1,500.

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CONTACT INFORMATION

LOCATION

2551 N Clark, Suite 601
Chicago, AK 60614
773-328-1254
0D74940
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APPLICATIONS

  • Please contact our broker for the appropriate application.

AGENCY LICENSING

If you are a new producer, we require a copy of the individual and agency producer license in your state. We do not require any contract or producer agreement. We have no minimum premium volume required in order to place coverage through our agency.

We can file the Surplus Lines tax in all States except: AL, KY, MS, NM, ND, SD
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Alexander J. Wayne & Associates, Inc. has other insurance programs like Architects and Engineers Professional Liability Insurance.