Employment Practices Liability Insurance Program from Donald Gaddis Company
Employment Practices Liability Insurance (EPLI) through Donald Gaddis Company gives agents broad market access to protect employers from claims such as wrongful termination, discrimination, harassment, and other employment-related allegations. As a wholesale broker, Gaddis places accounts with a fluid panel of competitive carriers and can help match clients to carriers that offer stronger definitions and broader coverages. Minimum premiums in participating markets can start as low as $900, making this program accessible to smaller businesses as well as mid-sized employers.
Ideal Accounts and Appetite
This program targets small to mid-sized employers across a variety of industries, including construction, healthcare, retail, professional services, and hospitality. It works well for operations that have regular employee or customer interaction and for businesses that use a mix of traditional employees, leased workers, or independent contractors—provided the carrier’s employee definition aligns with the client’s labor model.
Example fits:
- A construction subcontractor who regularly uses independent contractors and needs clarity around whether those workers are included as employees for EPL exposures.
- A retail store with frequent customer contact that wants third-party liability protection for harassment or discrimination claims brought by the public.
Accounts with persistent or severe prior employment claim activity may require placement in specialty markets. If you have a larger national employer or a company with complex multi-state exposures, Donald Gaddis Company can assist in identifying admitted or non-admitted markets that best suit that profile.
Coverage Highlights and Advantages
Not all EPLI forms are the same. When placing EPL exposures through Gaddis, pay attention to:
- Who is an “employee”? Some carriers include leased workers and independent contractors; others do not. That definition can materially change coverage for businesses with non-traditional workforces.
- Third-party liability: Carriers vary in how broadly they define third parties. Policies that extend coverage to “any non-employee” provide stronger protection for claims by customers, vendors, or the public.
Participating carriers in the program often pair EPLI limits with value-added HR tools, training resources, and loss-control services designed to reduce claim frequency and severity.
Underwriting Notes and Minimum Premiums
Underwriting varies by carrier and is influenced by employee count, payroll size, industry, prior claim history, and HR practices. Donald Gaddis Company’s underwriting team will review key risk indicators—such as hiring and termination practices, harassment prevention training, and employee handbooks—and help you present the account to carriers with the best chance of competitive terms. Minimum premiums can start around $900 depending on the carrier and risk profile.
Territories and Availability
This EPLI program is available in most states, including: AL, AZ, CA, CO, FL, GA, HI, IL, IN, IA, KS, MI, MN, MO, NE, NY, NC, OH, OK, PA, SC, TN, TX, VA, WV, and WI. Admitted markets are available in many of these states, providing flexibility based on your client’s location and regulatory needs.
Why Work With Donald Gaddis Company?
Donald Gaddis Company brings wholesale distribution expertise and deep market relationships to EPLI placements. Their underwriting and placement teams focus on finding carriers with flexible definitions and comprehensive third-party terms, and they offer agents responsive service throughout quote, bind, and policy issuance. Whether your client needs a straightforward small-business policy or a more tailored program with HR services and risk management support, Gaddis can help you identify the best fit across admitted and non-admitted markets.
What types of accounts are a good fit for this EPLI program?
Small to mid-sized businesses in industries such as construction, healthcare, retail, hospitality, and professional services are good fits—especially those with employee or customer interaction and those that use leased workers or independent contractors.
Does the program offer third-party liability coverage?
Yes. Many carriers represented include third-party coverage, but definitions vary. Gaddis helps you identify carriers whose third-party language best matches your client’s exposure.
Are independent contractors covered under these EPLI policies?
Some carriers extend coverage to independent contractors and leased employees. Always review each policy’s definition of “employee” to confirm whether those workers are included.
What is the minimum premium for this program?
Minimum premiums can start as low as $900, depending on the carrier and the account’s size, industry, and risk profile.
In which states is this EPLI program available?
The program is available in a broad set of states, including CA, TX, FL, NY, IL, and many others—see program materials for the complete list of territories and admitted market availability.