Get fast, reliable Employment Practices Liability (EPL) quotes with minimal effort.
Brown & Riding offers a streamlined EPL solution for agents and brokers through our Quick Quote program. Built for speed and market access, this program can deliver EPL indications within hours when the account meets basic eligibility: a completed intake, no prior EPL coverage, and no open EPL claims.
Ideal Accounts and Appetite
This program is best for a wide range of small to midsize employers that meet our eligibility guidelines. Key requirements include:
- 100 or fewer full-time equivalent employees
- No prior EPL coverage and no open EPL claims
Typical fits include small manufacturing operations, independent restaurant groups, retail locations, and professional services firms that need straightforward EPL protection without lengthy underwriting.
Coverage Highlights and Advantages
Quick Quote EPL gives you:
- Access to up to seven top-rated carriers for competitive terms
- Fast quote turnaround—typically within 4 business hours when the intake is complete
- Admitted terms available in many states (carrier-dependent)
- Minimal upfront underwriting—just four starter questions to get multiple indications
Markets we panel include Darwin/Allied, Carolina Casualty/Admiral, USLI, Scottsdale, Westchester/Ace, Hartford, and Great American.
Underwriting Notes and Minimum Premium
This offering is targeted at new EPL placements with a clean claims history. The program’s minimum premium begins at $900. A full application is required before binding coverage.
Territories and Availability
The Quick Quote EPL program is available in most U.S. states. Representative states where we place business 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, and WY. Contact us to confirm availability and admitted options for your insured’s state.
Why Work With Brown & Riding?
Brown & Riding is a trusted general agency and excess & surplus lines broker with specialty expertise and broad carrier relationships. Our Quick Quote EPL program is designed to make placement easier for you: rapid responses, strong market access, and straightforward intake. To discuss an account or get started, contact Lisa Rodriguez at (206) 816-6725 or
[email protected].
Frequently Asked Questions
What types of accounts are a good fit for this program?
Small to midsize employers with 100 or fewer full-time equivalent employees and no prior EPL claims are ideal. Fit examples include retail, hospitality, professional services, and light manufacturing businesses.
How quickly can I get a quote?
When the intake is complete and the account meets eligibility (no prior coverage or open claims), quotes are usually delivered within 4 business hours.
Is the coverage admitted or non-admitted?
We work with both admitted and non-admitted markets. In many cases admitted terms are available depending on the carrier and the insured’s state.
What information is needed to start the quote process?
You only need to answer four basic underwriting questions on the quick-quote intake to receive initial indications. A full application will be required before binding.
Which states is this program available in?
The program is available in most U.S. states. Contact us to confirm availability and admitted options for the specific state where your client is located.
Need help placing an account? Connect with a market specialist.