Employment Practices Liability Insurance from Russell Bond & Co., Inc.
Employment Practices Liability Insurance (EPLI) protects businesses from claims tied to hiring, employment practices, and workplace conduct. At Russell Bond & Co., Inc., we give independent agents and brokers access to a comprehensive EPLI program through both in-house and brokerage markets. With deep market relationships and experienced underwriters, we help you place coverage that addresses today’s most common employment-related risks.
Why Your Clients Need EPLI
Employment-related suits are increasingly common and often expensive to defend. Key industry indicators agents should know:
Since 1991, wage-and-hour lawsuits have increased dramatically. Even employers with strong HR practices can face allegations of discrimination, harassment, retaliation, or wrongful termination. EPLI helps your clients manage defense costs and indemnity exposure when employment claims arise.
Coverage Highlights and Features
Russell Bond’s EPLI program is designed for today’s exposures and provides market-responsive features agents can offer their clients:
Ideal Accounts and Appetite
This program targets small to mid-sized employers across a range of industries. Ideal accounts typically include:
- Businesses with fewer than 100 employees (retail, hospitality, professional services, light manufacturing)
- Companies seeking FLSA defense capacity and HR risk-management support
- Clients that value access to specialist underwriting and broad market placement
You might have a client who operates several retail locations with 40–75 employees concerned about overtime and discrimination claims, or a regional professional services firm seeking a non-admitted solution with HR support—both are a good fit for this program.
Underwriting Considerations
This EPLI program is written on a non-admitted basis, giving Russell Bond flexibility to structure terms and place complex or specialty risks. Underwriters evaluate exposures including workforce size, recent employment practices, claims history, HR policies, and payroll. Minimum premiums and exact terms vary by account and state—contact a Russell Bond underwriter to review eligibility and obtain specific pricing guidance.
Available in Most States
The program is available in nearly all U.S. jurisdictions, including 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, and WY.
Why Work with Russell Bond
As a Managing General Agency, Russell Bond combines focused underwriting, broad market access, and hands-on service to help you place EPLI business efficiently. We maintain relationships with carriers rated by A.M. Best, deliver responsive risk-management services, and support agents through placement and policy servicing. Our Business Resource Center and HR helpline add tangible value for insureds and can help reduce claim frequency.
Learn more about our Employment Practices Liability Insurance program or contact us today to discuss placements and eligibility.
Frequently Asked Questions
What types of accounts are a good fit for this EPLI program?
Businesses with fewer than 100 employees in sectors such as retail, hospitality, professional services, and light manufacturing are strong candidates. Russell Bond can also consider larger risks depending on exposure and underwriting controls.
Is this EPLI program admitted or non-admitted?
This program is offered on a non-admitted basis, which provides flexibility in coverage forms and terms to address specialized or higher-exposure accounts.
Does the policy include wage and hour coverage?
Yes. The program includes a $100,000 sub-limit for defense costs related to Fair Labor Standards Act (FLSA) matters to help address wage-and-hour allegations.
What value-added services are included with the policy?
Policyholders receive complimentary risk management services, including access to HR consultation and a helpline to address employment issues before they escalate into claims.
Which states is this program available in?
The EPLI program is available in most U.S. states. Refer to the program territory list above or contact Russell Bond for state-specific availability and any recent changes.
Need help placing an account? Connect with a market specialist.