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AI Risk
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AI Risk
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Employment Practices Liability

Overview of the Program From AI Risk:

AI Risk, a Managing General Agency and carrier, offers a specialized Employment Practices Liability Insurance (EPLI) program designed to help agents and brokers place business for a wide range of small to midsize employers. With underwriting expertise and access to AIG as the carrier, this program provides competitive solutions for clients with up to 250 employees. EPLI coverage is available in nearly all U.S. states (excluding Texas), with flexible limits and pricing options to help your clients manage evolving employment-related exposures.

Ideal Accounts and Appetite:

This program targets a broad spectrum of private and public sector employers across multiple industries. Ideal accounts include:

  • Hospitality businesses – restaurants, fast food franchises, motels, and hotels
  • Franchise groups – retail and service-based operations
  • Auto dealerships
  • Professional groups – law firms, accounting firms, and consultants
  • Design and construction professionals
  • Associations, trade organizations, and municipalities
  • Public entities and other government-related groups
If you have a client such as a 100-employee restaurant franchise or a regional construction design firm, this program offers a great fit to address their EPL exposures.

Coverage Highlights and Advantages:

The Employment Practices Liability program provides protection against a wide array of employee-related claims, including:
  • Wrongful termination
  • Discrimination (race, gender, age, etc.)
  • Sexual harassment
  • Retaliation
  • Workplace torts such as defamation or emotional distress
Coverage is underwritten with the backing of AIG, offering stability and experience in handling complex employment liability risks.

Underwriting Notes and Minimum Premiums:

Minimum premiums vary based on the selected limit and state location:

  • $250,000 limit: $2,500
  • $500,000 limit: $3,150
  • $1,000,000 limit: $4,150 (California: $6,150)
Underwriting is focused on employer size (up to 250 employees) and industry class, with flexibility to accommodate a wide range of risk profiles. Coverage is not available in Texas.

Territories and Availability:

This EPLI program is available in all U.S. states except Texas. AI Risk offers both admitted and non-admitted options depending on the state and risk characteristics. States include but are not limited to: CA, FL, NY, IL, PA, GA, and WA.

Why Work With AI Risk on This Business:

AI Risk brings deep expertise in employment practices liability and serves as both an MGA and carrier, streamlining the placement process for brokers. With access to AIG and a broad underwriting appetite, AI Risk is a strong partner for agents seeking reliable EPLI solutions across diverse industries. Whether you’re working with a public entity or a fast-growing franchise, AI Risk has the tools to help you deliver coverage that meets your clients’ needs.

Frequently Asked Questions

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

This program is ideal for businesses with up to 250 employees, including hospitality, franchises, auto dealers, municipalities, trade associations, and professional service firms.

Is this program available in all states?

Coverage is available in all U.S. states except Texas. Availability may vary slightly by class and underwriting guidelines.

What is the minimum premium for this coverage?

Minimum premiums start at $2,500 for a $250,000 limit. Higher limits are also available with corresponding premiums.

What carrier backs this program?

The program is backed by AIG, providing strong financial stability and claims expertise in employment practices liability.

Can public entities or municipalities be covered under this program?

Yes, the program includes coverage options for public entities and municipalities, subject to underwriting approval.

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

U.S. States Available

  • U.S. States Available:
  • Provider Type:
    Managing General Agency and Carrier
  • Admitted:
    All Available States
  • Carriers:
  • Carrier Ratings:
    A.M. Best A XI rated
  • Commission:
    Varies
  • Min Premium:
    -

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CONTACT INFORMATION

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APPLICATIONS

  • Contact for Application
    Click here to contact the appropriate AI Risk office for more information and applications.

AGENCY LICENSING

Please call the Middle Market Program Manager in your area.
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AI Risk has other insurance programs like Amateur Sports.