Employment Practices Liability Insurance

Employment Practices Liability Insurance Program from Professional Insurance Associates, Inc.

Do your commercial clients need protection from growing employee-related litigation? Professional Insurance Associates, Inc. offers Employment Practices Liability Insurance (EPLI) solutions tailored for agents and brokers who place small to mid-sized businesses. Our EPLI can be issued as an endorsement to a Businessowners (BOP) or General Liability policy, or as a stand-alone policy written alongside a BOP—giving you flexibility to match coverage to the client’s operations and budget.

Ideal Accounts and Appetite

We place a broad range of industry classes, including:

• Construction contractors and subcontractors
• Professional services firms (consultants, architects, engineers)
• Retail operations and small chains
• Financial institutions and credit unions
• Hospitality, restaurants, and food service

This program fits employers from very small staffs up through larger operations—typically accounts with as few as five employees up to several hundred. Appetite is broad but underwriters will review staffing structure, HR practices, and claim history to determine eligibility.

Coverage Highlights and Advantages

Our EPLI solutions help protect insureds against a wide range of workplace claims, for example:

• Discrimination (race, gender, age, disability, etc.)
• Wrongful termination
• Harassment and sexual harassment
• Failure to promote or wrongful discipline
• Retaliation claims
• Alleged violations of family leave obligations
• Negligent evaluation and other employment-related allegations

Policies are generally written on a claims-made basis, so claims must be both caused and reported during the policy period. We emphasize the importance of continuity and can discuss extended reporting (tail) options when policies are canceled or not renewed.

Underwriting Notes

Each submission is evaluated on company size, payroll and employee count, industry class, HR practices, and prior loss activity. Our underwriters are experienced with diverse risk profiles and can recommend limits, retention options, and endorsements to fit client needs. Some EPLI programs are available on an admitted basis in select states, including California; non-admitted options are available where appropriate.

Territories and Availability

Currently this program is available in California. Contact Professional Insurance Associates, Inc. to discuss availability for multi-state operations or to explore admitted vs. non-admitted placements for out-of-state risks.

Why Work With Professional Insurance Associates, Inc.?

As an aggregator focused on commercial lines, Professional Insurance Associates, Inc. gives agents efficient access to multiple EPLI markets and underwriting teams. We combine hands-on placement support with market access that helps you place accounts that may be difficult to bind elsewhere. Our team can assist with submission strategy, appropriate limit selection, and loss-control suggestions to improve acceptability.

Example scenarios that typically fit this program:

• A regional retail owner with 30 employees seeking stand-alone EPLI limits and HR best-practice endorsements.
• A small construction firm with 75 employees needing an EPLI endorsement to a BOP and guidance on aggregator markets for difficult classes.

Whether you’re placing a single-location employer or a growing regional business, Professional Insurance Associates, Inc. can help you find an EPLI solution that aligns with the client’s exposures and budget.

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