For insurance buyers, insurance agents and insurance wholesalers!For insurance buyers, insurance agents and insurance wholesalers!
J.M. Wilson Corp.
Contact Us
contact_phone Click to call
J.M. Wilson Corp.
Contact Us
contact_phone Click to call

Employment Practices Liability Insurance - EPLI

J.M. Wilson offers a flexible and comprehensive Employment Practices Liability Insurance (EPLI) program designed for a wide range of business classes. No matter the size or industry, nearly every employer faces the risk of employment-related claims. Our EPLI solutions help your clients manage these exposures while giving you access to competitive markets and expert underwriting support.

Ideal Accounts and Appetite

Our EPLI markets are open to:
  • New ventures and startups
  • Accounts with prior or adverse loss history
  • Organizations with fewer than 500 employees

Target classes include:

  • Small businesses, especially under 150 employees
  • Auto dealerships
  • Medical and healthcare professionals, including doctors and physicians
  • Law firms
  • Restaurants, hotels, and other hospitality businesses
  • Manufacturers (miscellaneous classes)
  • Contractors and construction-related businesses

Whether your client is a new restaurant owner or a growing construction firm with a handful of staff, we can help you secure tailored EPLI coverage to manage their exposures.

Coverage Highlights and Advantages

Our EPLI program is built to respond to today’s most pressing employment-related risks. Key features include:
  • Claims-made and reported coverage
  • Written on admitted paper (where applicable)
  • Broad “All-Risk” form covering claims such as:
    • Discrimination (age, sex, race, gender)
    • Sexual and workplace harassment
    • Wrongful termination, retaliation, and constructive discharge
    • Failure to promote or demotion
    • Invasion of privacy and defamation
    • Fair Labor Standards Act (FLSA) wage and hour claims – $100,000 sub-limit
    • Vicarious liability for intentional acts
    • Coverage for all employee types
    • Full prior acts standard
  • Limits available up to $5 million
  • Defense outside the limits available
  • Optional third-party coverage
  • Optional cost-in-addition coverage
  • Punitive damages coverage where permitted by law
  • Access to HR Protection risk management services – including unlimited hotline support from attorneys and HR professionals

Underwriting and Market Access

Our dedicated brokerage underwriters specialize in EPLI and are available to assist with quoting and placing even harder-to-place risks. We work with a variety of carriers, both admitted and non-admitted, allowing us to find solutions for unique or distressed accounts.

Territories and Availability

This Employment Practices Liability Insurance program is available in the following states:

AL, AR, GA, IL, IN, IA, KS, KY, MI, MS, MO, NE, NC, OH, OK, PA, SC, TN, VA, WV, and WI.

Why Work With J.M. Wilson?

As a trusted Managing General Agency and Excess & Surplus Lines Broker, J.M. Wilson brings decades of experience and deep market access to help you place EPLI coverage with confidence. We understand the evolving employment liabilities your clients face and provide fast, knowledgeable support from quote to bind. Whether you're placing a clean account or one with prior claims, we have the tools and carrier relationships to help you succeed.

Frequently Asked Questions

What types of accounts are a good fit for this EPLI program?

This program is ideal for small to mid-sized businesses across many industries, especially those with fewer than 500 employees. We also consider new ventures and accounts with prior losses.

Can you help with hard-to-place or distressed EPLI risks?

Yes. We have access to admitted and non-admitted markets and can consider risks with adverse loss history or unique exposures.

What coverages are included in the EPLI policy?

The policy includes broad "All-Risk" coverage for discrimination, harassment, retaliation, wrongful termination, wage and hour claims (with sub-limits), and more. Optional enhancements are also available.

Is third-party EPLI coverage available?

Yes, third-party coverage is available as an optional add-on for many accounts.

Which states is this program available in?

This EPLI program is available in AL, AR, GA, IL, IN, IA, KS, KY, MI, MS, MO, NE, NC, OH, OK, PA, SC, TN, VA, WV, and WI.

Need help placing an account? Connect with a market specialist.

U.S. States Available

  • U.S. States Available:
  • Provider Type:
    Managing General Agency and Excess & Surplus Lines Broker
  • Admitted:
    0
  • Carriers:
  • Carrier Ratings:
    A rated or better
  • Commission:
    Varies
  • Min Premium:
    -

Browse

Request a Quote Now!

CONTACT INFORMATION

LOCATION

8036 Moorsbridge Road
Portage, MI 49024
800-666-5692
View Map

AGENCY LICENSING

To become an appointed agent with J.M. Wilson, the agency profile linked below is required. There is no premium volume requirement.
CompleteMarkets is The Insurance Industry's Professional Network
Please Register for FREE or Sign In to contact
Not an Insurance Agent? No problem, we help hundreds of people find the right agent/advisor every day!
Visit our dedicated Insurance Consumer section and we will recommend the right agent for your specific needs.
J.M. Wilson Corp. has other insurance programs like Alarm Installation and Repair Insurance.