Employment Practices Liability Program from ExecutivePerils, Inc.
ExecutivePerils, Inc. offers a comprehensive Employment Practices Liability (EPL) insurance program designed to help agents and brokers place coverage for businesses facing the growing risks of employment-related claims. With access to over 35 top-rated insurance carriers, ExecutivePerils delivers flexible, non-admitted solutions tailored to the unique needs of your clients across a wide range of industries.
Ideal Accounts and Target Classes
This EPL program is suitable for both private and public companies, as well as non-profit organizations. Ideal insureds include mid-sized to large employers that may be exposed to claims involving:
- Wrongful termination
- Discrimination (age, race, gender, etc.)
- Workplace harassment (including sexual harassment)
- Retaliation claims
- Wrongful discipline or failure to promote
You might have a client in the healthcare, hospitality, retail, or technology sector that has recently expanded and is concerned about employment practices compliance. This program can help you offer them robust protection in a tightening legal environment.
Coverage Highlights and Advantages
- No Intentional Acts Exclusion – broader protection for insureds facing claims where intent is disputed.
- Expanded definition of a “Wrongful Employment Act” – increased clarity and scope of covered events.
- Policy is non-cancelable except for non-payment of premium – stability for long-term planning.
- Extension of coverage to the lawful spouse of the insured – supports broader protection for key individuals.
- Named Peril coverage for employment claims arising from company internet and email usage – addresses modern digital exposures.
ExecutivePerils’ form flexibility and broad definitions make this program well-suited for clients with a complex employment structure or multi-state operations.
Underwriting Notes and Minimum Premiums
Each submission is underwritten individually, with attention to the client’s size, risk profile, and past claims history. While there is no stated minimum premium, submissions should reflect meaningful EPL exposures to be considered. ExecutivePerils works with brokers to craft customized solutions based on risk appetite and market conditions.
Territories and Availability
This program is available in all 50 states and the District of Columbia, including key markets like California, New York, Florida, and Texas. As a non-admitted offering, it provides flexibility in coverages and pricing strategies not always available in admitted markets.
Why Work with ExecutivePerils, Inc.?
ExecutivePerils is a trusted resource for professional and executive liability placements. Their deep underwriting expertise, market access to over 35 carriers, and focus on client-specific solutions make them an ideal partner for agents and brokers navigating the complex landscape of EPLI.
Whether your client is responding to a recent incident or proactively managing future risk, ExecutivePerils provides the tools and marketplace relationships to help you deliver tailored EPL coverage with confidence.
Frequently Asked Questions
What types of accounts are a good fit for this Employment Practices Liability program?
This program is ideal for mid-sized to large private companies, non-profits, and select public entities with employment exposures, especially those in healthcare, hospitality, retail, and technology sectors.
Is this EPL coverage admitted or non-admitted?
This is a non-admitted program, allowing for greater flexibility in coverage terms and underwriting.
Do you require a minimum premium for submissions?
There is no fixed minimum premium, but accounts should represent meaningful EPL exposure to be considered. Each risk is individually underwritten.
What are some unique features of this EPL policy?
Key features include no intentional acts exclusion, an expanded definition of wrongful employment acts, and coverage for internet and email-related employment claims.
In which states is this program available?
This program is available in all 50 states and the District of Columbia.
Need help placing an account? Connect with a market specialist.