Law firms are experts at managing legal risk — but they can overlook internal exposures. Employment Practices Liability Insurance (EPLI) protects firms from the financial and reputational impact of employment-related claims. Without tailored EPLI, even otherwise well-run practices can face expensive defense costs and settlements for allegations involving employees, partners, or third parties.
Employment Practices Liability Insurance for Law Firms
Capitol Special Risks offers a law-firm-focused Employment Practices Liability Insurance (EPLI) program designed for the unique people risks in legal practices. As a wholesale broker with deep professional-liability experience, we place coverage through multiple admitted and non-admitted carriers so retail agents can access competitive markets and flexible solutions nationwide.
Ideal Accounts and Appetite
This program fits a wide range of law firms — from boutique practices to multi-state firms. Typical accounts that place well include firms that:
- Have multiple attorneys and support staff
- Operate a formal partner-track or promotion process
- Employ client-facing personnel with exposure to third-party harassment claims
- Have workers in multiple states or jurisdictions
You might have a client who is a mid-sized litigation firm expanding into new offices and wants protection for partner disputes and wage & hour exposures. Or an employment law boutique with several associate-track attorneys seeking a policy that includes robust third-party harassment coverage.
Coverage Highlights and Advantages
- Wage & hour defense sublimit
- Fair Labor Standards Act (FLSA) defense sublimit
- Third-party harassment and discrimination coverage
- Defense costs outside the limit (subject to carrier terms)
- Claims coverage for failure to promote or disputes over partner decisions
Risk management services may be available depending on the carrier.
Underwriting Notes and Minimum Premiums
Minimum premiums vary by carrier and the firm’s risk profile. Capitol Special Risks provides fast turnaround and streamlined submissions to help you move business quickly. We do not charge a broker fee, so your clients see more of the premium applied to coverage.
Territories and Availability
This program is available in all 50 states, including CA, TX, NY, FL, and IL. We can quote single-state and multi-state operations through both admitted and non-admitted markets to match your client’s needs and regulatory considerations.
Why Work With Capitol Special Risks?
As a wholesale broker focused on professional liability, Capitol Special Risks combines market access with underwriting expertise for law-firm EPLI placements. Our advantages for agents include:
- Multiple carrier relationships for flexible placement options
- Programs tailored specifically to professional services and law firms
- Responsive service and quick quotes to help you compete
- No broker fees
If you have a legal client growing staff, opening new offices, or undergoing internal restructuring, now is the time to review their EPLI program. Contact Capitol Special Risks to discuss appetite, submission requirements, and carrier options so you can secure the right protection for your client’s people.
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Frequently Asked Questions
What types of law firms are best suited for this EPLI program?
This program is ideal for small to mid-sized law firms, especially those with multiple employees, support staff, or a formal partner track structure.
Is third-party harassment coverage included?
Yes, the program includes coverage for third-party harassment and discrimination claims, which is particularly important for client-facing legal staff.
Can this program be written in all 50 states?
Yes, it is available in all 50 states through multiple admitted and non-admitted markets.
What are the minimum premium requirements?
Minimum premiums vary based on the carrier and risk profile, but Capitol Special Risks works to find the best option for each submission.
Does Capitol Special Risks charge a broker fee?
No, Capitol Special Risks does not charge broker fees, helping you deliver cost-effective solutions to your clients.
Need help placing an account? Connect with a market specialist.