Employment Practices Liability Insurance Program from First Choice Insurance Intermediaries, Inc.
First Choice Insurance Intermediaries, Inc. offers a focused Employment Practices Liability Insurance (EPLI) program to help agents place coverage for clients facing the growing risk of employee-related lawsuits. As a wholesale broker with access to multiple markets, First Choice can offer flexible solutions—either stand-alone EPLI policies or endorsements to a Business Owners Policy (BOP)—depending on carrier appetite and the insured’s needs.
Ideal Accounts and Appetite
This program is aimed at small to mid-sized employers across a variety of industries, particularly accounts that have recently increased headcount or are adding managers and supervisors. Target classes include:
- Professional offices (law, accounting, consulting)
- Retail businesses
- Light manufacturing and distribution
- Healthcare and social service providers
- Hospitality and food service operations
You might have a client who just expanded from a sole proprietor to a 15–50 employee shop, or a restaurant that added seasonal managers—both are ideal times to introduce EPLI protection.
Coverage Highlights and Advantages
EPLI under this program protects insureds against a broad range of employee-related claims, including:
- Sexual harassment
- Discrimination
- Wrongful termination
- Breach of employment contract
- Negligent evaluation
- Failure to employ or promote
- Wrongful discipline
- Deprivation of career opportunity
- Infliction of emotional distress
- Mismanagement of employee benefit plans
Policies typically provide defense costs coverage even if the employer is not found liable—an important benefit since defense expenses can be substantial. Standard exclusions often include punitive damages, civil or criminal fines, and matters covered by workers’ compensation or other specific policies.
Underwriting Notes and Deductibles
Submit applications 30–45 days before the current policy expiration to allow for proper market placement. Deductibles normally follow the package deductible when EPLI is written as part of a package; minimums for stand-alone EPLI generally start at $1,000. Premiums are determined by business class, number of employees, prior EPLI claims, and the presence of employment practices policies (handbooks, training, investigation procedures).
Premium financing is available to help insureds manage cost. High-severity loss history, ongoing employment litigation, or industries with regulatory exposure may face more limited market options or require higher retentions.
Territories and Availability
This EPLI program is available in the following states: AL, CA, CO, CT, DE, FL, GA, IL, IN, KS, LA, MD, MA, MI, MO, NV, NJ, NM, NY, NC, OH, OR, PA, SC, TN, TX, VA, WA, and WI. Admitted coverage is available in select jurisdictions—contact First Choice for admitted/non-admitted availability by state and for any state-specific requirements.
Why Work With First Choice Insurance Intermediaries, Inc.?
First Choice specializes in connecting agents with multiple EPLI markets and underwriting partners, which helps you find competitive terms for a broad range of small to mid-sized employers. Their wholesale broker model focuses on fast placement, underwriting collaboration, and tailoring solutions to each client’s exposure profile.
Whether your client is hiring supervisors for the first time, has a prior employment claim on file, or simply wants to reduce litigation risk, First Choice can help you secure appropriate limits, terms, and endorsements.
Frequently Asked Questions
What types of accounts are a good fit for this EPLI program?
Small to mid-sized businesses in professional services, retail, healthcare, hospitality, and light manufacturing are strong candidates—especially when they have employees or plan to expand their workforce.
Can EPLI be written as a stand-alone policy?
Yes. Depending on carrier availability and the risk profile, EPLI can be placed as a stand-alone policy or issued as an endorsement to a BOP.
Are legal defense costs covered even if the employer is not found liable?
Yes. Policies in this program typically cover legal defense costs regardless of the outcome, which can help protect clients from sizable defense expenses on meritless or marginal claims.
What information is needed to submit an application?
Submit applications 30–45 days before policy expiration. Typical requirements include business details, number of employees, prior EPLI claims, copies of employment manuals or policies, and information about training and investigation procedures.
Is premium financing available for this program?
Yes. Premium financing is available to help insureds manage the cost of coverage.
Need help placing an account? Connect with a market specialist.