Employment Practices Liability Program from America's Internet Brokers, Inc.
America's Internet Brokers, Inc. (AIB) offers a robust Employment Practices Liability (EPL) insurance program designed to help agents and brokers place coverage for a wide range of small to mid-sized businesses. With a focus on accounts with up to 250 employees, this program is an excellent solution for clients seeking protection against employment-related claims such as wrongful termination, harassment, discrimination, and retaliation.
Ideal Accounts and Appetite
This EPLI program is suitable for a broad range of industries and professional groups. Target classes include:
- Hospitality enterprises — including motels, hotels, restaurants, and fast-food establishments
- Franchise groups — retail and service-based operations
- Auto dealerships
- Associations and trade organizations
- Municipalities and public entities
- Professional service firms and industry-specific groups
- Design and construction professionals
If you have clients in these sectors looking for comprehensive EPLI coverage, this program offers flexible underwriting to accommodate a range of risk profiles.
Coverage Highlights and Advantages
This program offers occurrence-based EPL coverage with options to meet a wide range of business needs. Key features include:
- Coverage limits available up to and above $2,000,000
- Occurrence basis rather than claims-made — providing long-term protection for covered events
- Access to specialized risk management services for qualified accounts
- Direct billing to insureds by the carrier for added convenience
Whether your client operates a small franchise or a growing professional service firm, this program provides the support and flexibility needed to manage EPL exposures.
Underwriting Notes and Minimum Premiums
AIB underwrites this program in partnership with AIG, offering non-admitted coverage to give agents more placement flexibility. Loss runs are required prior to binding. Minimum premiums vary based on policy structure and limits:
- $3,000 minimum for short-term policies with limits of $2,000,000 or less (occurrence basis)
- $5,000 minimum for annual policies with limits of $2,000,000 or less (occurrence basis)
- $7,500 minimum for annual policies with limits above $2,000,000 (occurrence basis)
Keep in mind that customized pricing and services may be available for qualified, larger accounts.
Territories and Availability
This Employment Practices Liability program is available in most U.S. states, including but not limited to: CA, TX, FL, NY, IL, GA, CO, WA, and NJ. The full list includes over 45 states, giving you the ability to serve a wide range of clients across the country.
Why Work With America's Internet Brokers, Inc.?
With deep expertise in specialty commercial insurance, AIB connects agents and brokers with tailored solutions for niche markets. Their EPL program, underwritten by AIG, combines flexible underwriting, comprehensive coverage terms, and responsive service. For agents looking to place EPLI coverage with a trusted, experienced wholesale broker, AIB delivers both carrier access and underwriting insight.
For example, you might have a client who operates a multi-location restaurant franchise with 150 employees — this program can provide the EPL protection they need, along with risk management support to help prevent claims. Or perhaps you work with a mid-sized construction design firm — this program offers occurrence-based coverage that aligns well with their exposure timeline.
Frequently Asked Questions
What types of accounts are a good fit for this EPLI program?
The program is ideal for businesses with up to 250 employees in sectors such as hospitality, franchises, auto dealerships, professional services, municipalities, and trade associations.
Is coverage provided on an occurrence or claims-made basis?
This Employment Practices Liability program is written on an occurrence basis, which can offer broader protection for your clients.
What are the minimum premium requirements?
Minimum premiums start at $3,000 for short-term policies and $5,000 for annual policies with limits of $2,000,000 or less. Higher limits have a $7,500 annual minimum.
Do you need loss runs to bind coverage?
Yes, loss runs are required prior to binding coverage for all accounts.
Which states is this program available in?
The program is available in most states, including CA, TX, FL, NY, IL, GA, and many others — over 45 states in total.
Need help placing an account? Connect with a market specialist.