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Brown & Riding
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Brown & Riding
Contact Us
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Employment Practices Liability (EPL)

 Employment Practices Liability (EPL) for Companies Under 100 Full-Time Equivalent Employees
 
Brown & Riding offers a targeted Employment Practices Liability (EPL) insurance solution designed specifically for companies with fewer than 100 full-time equivalent employees. With access to over 20 markets and a flexible underwriting approach, we help agents and brokers place EPL coverage for a wide range of private businesses across most states.
 

Ideal Accounts and Appetite

This program is ideal for small to mid-sized private companies that may not have dedicated HR or legal departments but still face significant exposure to employment-related risks. We are particularly interested in accounts from industries such as:
  • Professional services
  • Retail and hospitality
  • Light manufacturing
  • Healthcare practices
  • Nonprofits and social services
You might have a client who runs a regional retail chain or a growing tech startup—both could be strong fits for this program if they employ fewer than 100 full-time equivalent staff.

Coverage Highlights and Advantages

We can work with applications already completed by your insured or you can use our short-form EPL application to speed up the process. Our market access allows us to pursue valuable enhancements, including:
  • FLSA (Fair Labor Standards Act) Sub-Limit options
  • Additional Defense Cost coverage
  • Third Party EPL coverage for claims involving customers, vendors, or other non-employees
We aim to structure the coverage based on each insured’s specific exposures and risk tolerance.

Underwriting Notes and Minimum Premiums

This program typically starts at a minimum premium of $900, making it accessible for smaller organizations. Our underwriting team is flexible and responsive, and we can tailor quotes based on current underwriting trends and your client’s unique situation. Send completed applications or questions directly to Lisa Rodriguez at (206) 816-6725 or [email protected].

Territories and Availability

We offer this EPL solution on a non-admitted basis in most states, including but not limited to: CA, TX, FL, NY, WA, NJ, and IL. The program is available in over 45 states and the District of Columbia, providing wide geographic access for your clients.

Why Work With Brown & Riding

As a nationally recognized general agency and E&S broker, Brown & Riding brings deep expertise and strong carrier relationships to help you navigate EPL placements with confidence. Our team understands the nuances of employment liability exposures and can facilitate coverage even for harder-to-place or niche businesses.

Frequently Asked Questions

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

This program is best suited for private companies with under 100 full-time equivalent employees, including professional services firms, healthcare providers, nonprofits, and light manufacturing operations.

Can I submit my client’s existing EPL application?

Yes, we accept existing completed EPL applications or you can use our simplified short-form application to expedite processing.

What coverage enhancements are available?

Optional enhancements may include FLSA Sub-Limits, Additional Defense Costs, and Third Party EPL coverage, depending on underwriting approval.

Is the program available in my state?

The program is available in most states, including AL, CA, FL, NY, TX, WA, and many others. Contact us to confirm availability in your client’s state.

What is the minimum premium for this EPL program?

The minimum premium typically starts at $900, depending on the risk and selected coverages.

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

U.S. States Available

  • U.S. States Available:
  • Provider Type:
    General Agency and Excess & Surplus Lines Broker
  • Admitted:
    Most Available States
  • Carriers:
  • Carrier Ratings:
    Varies by Carrier
  • Commission:
    10%
  • Min Premium:
    $900

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CONTACT INFORMATION

LOCATION

777 South Figueroa Street, 2550
Los Angeles, CA 90017
213-452-7060
0592033
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APPLICATIONS

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Brown & Riding has other insurance programs like Accident & Health CosmediCareSM Program.