Employment Practices Liability Coverage from G.J. Sullivan Company
The G.J. Sullivan Company offers a comprehensive Employment Practices Liability Insurance (EPLI) program underwritten by Farmington Casualty Company. This program is crafted to meet the evolving needs of today's employers, giving retail agents access to a powerful solution for clients seeking protection from employment-related claims. With a strong focus on broad coverage, dedicated claims support, and proactive risk management tools, this program helps insureds stay compliant and protected across all 50 states.
Ideal Accounts and Appetite
This EPLI program is best suited for private companies and non-profit organizations across a wide range of industries. Ideal accounts include professional offices, healthcare providers, manufacturers, service-oriented businesses, and educational institutions with strong HR procedures and training practices in place.
Some examples of clients that could be a great fit:
- A regional dental practice with 40 employees and multiple locations
- A non-profit counseling center with a diverse staff and volunteer base
- A growing tech startup with a mix of remote and on-site employees
Note: The program excludes certain classes of business, including financial institutions, publicly traded companies, employee leasing firms, restaurant or retail operations with more than three locations, Indian tribes or casinos, and unions.
Coverage Highlights and Advantages
This EPLI program offers broad protection for a wide range of employment-related exposures, including claims of discrimination, harassment, wrongful termination, and retaliation. Key features include:
- Limits available up to $5,000,000
- Broad definition of wrongful employment acts
- Punitive damages coverage (where legally permitted)
- Worldwide coverage for claims brought in the U.S.
- Non-cancelable except for nonpayment of premium
- Third-party liability coverage available to qualified insureds
Each policy includes complimentary access to Risk Management Plus+OnlineSM, a robust suite of risk mitigation services, including:
- Interactive online training on employment law topics
- Unlimited access to employment law attorneys
- No additional charge for these risk management tools
Underwriting Notes
Submissions are evaluated based on employment practices, staff size, claims history, and risk controls in place. Businesses with established HR policies, documented procedures, and a commitment to compliance will be viewed favorably. The program is underwritten on an admitted basis through Farmington Casualty Company.
Territories and Availability
This EPLI program is available in all 50 states and the District of Columbia. Whether your client is based in California, Texas, New York, or anywhere in between, G.J. Sullivan can provide access to admitted EPLI coverage tailored to their needs.
Why Work With G.J. Sullivan Company?
As a trusted wholesale broker with decades of experience, G.J. Sullivan Company is committed to supporting independent agents and brokers with market access and underwriting expertise. This EPLI program reflects their ongoing dedication to providing competitive, value-driven solutions backed by responsive service and expert claims handling. When you partner with G.J. Sullivan, you gain more than just a market—you gain a reliable partner in protecting your insureds from costly employment-related risks.