Brown & Riding provides access to multiple markets that can include an FLSA (Fair Labor Standards Act) Wage and Hour sublimit endorsement as part of an Employment Practices Liability (EPL) policy. This enhancement helps protect your clients from wage-and-hour exposure arising from alleged FLSA violations—examples include unpaid overtime, improper overtime calculations, or misclassification of employees.
Ideal Accounts and Appetite
This program targets businesses with meaningful wage-and-hour risk—especially those with large hourly workforces, multiple locations, or complicated payroll practices. Preferred industries include hospitality and restaurants, retail, healthcare, manufacturing, distribution and logistics, and other sectors with high turnover or mix of exempt and non-exempt staff.
Typical fits: multi-unit restaurant groups, regional distribution warehouses, retail chains, and healthcare facilities with substantial hourly staff. Each account is evaluated individually based on location, operations, payroll complexity, prior wage-and-hour history, and existing risk controls.
Coverage Highlights and Advantages
- FLSA Wage and Hour sublimits available up to $250,000, subject to carrier and underwriting approval
- Offered as an endorsement alongside EPL coverage
- Access to multiple carriers through Brown & Riding’s wholesale and E&S relationships
- Option to submit using your client’s existing EPL application or Brown & Riding’s streamlined short-form for faster review
Underwriting Notes and Minimum Premiums
Sublimit availability and limits vary by carrier and depend on underwriting factors. Minimum premium for adding this sublimit starts at $900. Underwriters will consider industry, payroll size, employee mix, claims history, and the insured’s payroll controls and policies.
Territories and Availability
Brown & Riding places this coverage in most states. Available states include: AL, AK, AR, CO, CT, DE, HI, ID, IN, IA, KS, KY, LA, ME, MD, MA, 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, WY. Note that carrier appetite and state-specific restrictions may apply in certain jurisdictions.
Why Work With Brown & Riding
Brown & Riding is a seasoned general agency and E&S broker with experience placing complex EPL and wage-and-hour risk. We combine broad market access with responsive underwriting and practical placement options so you can secure tailored terms for clients with elevated FLSA exposure.
To submit an account or discuss eligibility, contact Lisa Rodriguez at (206) 816-6725 or
[email protected].
Frequently Asked Questions
What types of accounts are a good fit for this program?
Businesses with hourly employees, large workforces, or high turnover—such as restaurants, retailers, distributors, and healthcare facilities—are ideal candidates.
Can I submit an existing EPL application for this coverage?
Yes. Brown & Riding can use your client’s completed EPL application or provide a short-form application for convenience and faster turnaround.
What is the highest available sublimit for FLSA Wage and Hour coverage?
The maximum sublimit offered is typically $250,000, depending on the carrier and underwriting review.
Is this coverage available in my state?
This program is available in most states. Brown & Riding places business in 48 states and the District of Columbia, but availability and terms vary by carrier and jurisdiction.
What factors influence underwriting approval?
Underwriters focus on industry, location, size and makeup of the workforce, payroll practices, prior wage-and-hour claims, and the insured’s risk management controls.
Need help placing an account? Connect with a market specialist.