Overview of the Program From Halcyon Underwriters
EPLI protects employers from employee claims such as discrimination (sex, race, age, disability, etc.), wrongful termination, harassment, retaliation, and related employment practices exposures like failure to promote or negligent evaluation. Halcyon’s program gives you multiple admitted-market options so you can tailor limits, retentions, and coverage features to the client’s size and risk profile.
Ideal Accounts and Appetite
This program fits small to mid-sized commercial accounts across many industries, including healthcare, hospitality, retail, manufacturing, and professional services. We consider both new ventures and established businesses, and we are comfortable with accounts that have clean or more complex employment histories when underwriting information is complete.
Example fits: a growing restaurant group concerned about wrongful termination or wage-related disputes; a tech startup undergoing rapid hiring that wants protection against discrimination or harassment claims. Accounts with systemic HR deficiencies, ongoing litigation involving employment law, or very large payrolls may require special review or alternate placements.
Coverage Highlights and Advantages
- Defense and liability for discrimination (age, race, gender, disability, etc.)
- Wrongful termination and retaliation
- Sexual harassment and hostile work environment
- Failure to promote and negligent evaluation exposures
- Third-party EPLI available in select markets
With access to multiple admitted carriers, Halcyon helps you match coverage features, limit structures, and pricing to the client’s operations and risk tolerance.
Underwriting Notes and Minimum Premiums
Underwriting emphasizes current HR practices, employment policies, prior claims history, and submission quality. The program’s typical minimum premium starts at $15,000; final terms depend on exposures, payroll, and industry. Provide complete application materials, an up-to-date EPLI application, and any HR documentation to accelerate placement.
Territories and Availability
Halcyon Underwriters offers this EPLI program in all 50 states plus Washington, DC, through admitted carriers. Regardless of client location, we can work with you to find admitted-market capacity and state-specific forms where required.
Why Work With Halcyon Underwriters
As a wholesale broker focused on market access and underwriting support, Halcyon brings deep carrier relationships and hands-on placement assistance. We help you evaluate options across multiple admitted markets, negotiate competitive terms, and guide submissions to improve placement speed and success.
For additional information, please contact Jason Mata at
[email protected]
.
We encourage you to visit our website at
www.halcyonuw.com
to learn more about our wholesale EPLI capabilities.
Frequently Asked Questions
What types of accounts are a good fit for this EPLI program?
This program fits a wide range of small to mid-sized businesses—particularly healthcare, hospitality, retail, manufacturing, and professional services—with moderate exposure to employee-management risks.
Is this program available nationwide?
Yes. Halcyon Underwriters offers this EPLI program in all 50 states and Washington, DC through admitted carriers in our panel.
What is the minimum premium for this EPLI program?
The program’s typical minimum premium starts at $15,000; final pricing depends on industry, payroll, limits requested, and claims history.
Can new businesses or startups qualify for this coverage?
Yes. We consider new ventures, particularly those with documented HR practices and management controls in place. Complete submissions improve placement chances.
What markets does Halcyon Underwriters work with for EPLI?
We work with multiple top-rated admitted carriers, giving agents flexibility to match coverage form, limits, and pricing to the client’s needs.
Need help placing an account? Connect with a market specialist.