Overview — Rockwood Programs Employment Practices Liability
Rockwood Programs offers this EPLI product as a program administrator focused on easy placement and responsive advocacy for covered claims. The program pairs simplified underwriting with dedicated claims defense resources and access to admitted paper in most available markets. This makes it a practical option for agents seeking an efficient solution for employer-side liability exposures.
Ideal Accounts and Appetite
This program fits mid-to-small private companies and non-profit organizations across a broad set of industries. Typical accounts include:
- Professional services firms and small-to-mid sized offices (10–250 employees)
- Healthcare support services, nonprofits and associations
- Hospitality, retail and franchise operations with multiple locations
The appetite favors insureds with formal HR practices, written policies, and reasonable employment procedures. Higher risk targets (for example, employers with frequent prior employment-related claims or complex class-action wage-and-hour exposures) should be submitted with full details for consideration and may be subject to sub-limits or declination.
Coverage Strengths and Advantages
- Third-party wrongful acts coverage and a wage-and-hour option provide flexibility when clients need broader protection.
- The program’s expanded employee definition helps cover exposures often missed by narrower forms (leased employees, contractors, interns).
- Endorsements for immigration-related allegations and access to national advocacy counsel enhance claim response when issues arise.
- A toll-free hotline gives insureds quick access to advice that can reduce loss frequency and improve claim outcomes.
Underwriting Notes and Minimums
Submission is quick: a two-page application and paperless process. Minimum premium and retention vary by state, class and limits — the program lists minimum premium as “varies.” Provide complete loss history, employee counts by class/location, and copies of employee handbooks or policies to accelerate review. For accounts with wage-and-hour exposure or prior EPL claims, include details up front to help underwriting evaluate sub-limits or endorsements.
Territories and Availability
Program Administrator: Rockwood Programs. Underwriters include Houston Sepc. Insurance Group and Imperium Insurance Company. Admitted status: Most Available Markets. This program is available in: AK, AL, AR, AZ, CA, CO, CT, DE, FL, GA, HI, IA, ID, IL, IN, KS, KY, LA, MA, MD, ME, MI, MN, MO, MS, MT, NC, ND, NE, NH, NJ, NM, NV, NY, OH, OK, OR, PA, RI, SC, SD, TN, TX, UT, VA, VT, WA, WI, WV, WY, DC.
Why Place EPLI with Rockwood Programs
Rockwood combines a focused program administrator approach with admitted market access and nationally-recognized defense counsel that specializes in employment claims. The streamlined application and paperless workflow help you move accounts from submission to bind quickly. The program’s flexible limits, available endorsements, and employment advocacy services make it a practical choice for agents placing a wide cross-section of employer accounts.
Example Accounts You Might Place
- A 75-employee professional services firm with established HR policies seeking limits of $1,000,000 and a modest retention.
- A regional retail chain with multiple locations that wants expanded employee definitions and third-party coverage added to their package.
Frequently Asked Questions
What types of accounts are a good fit for Rockwood’s EPLI program?
Small-to-mid sized employers and nonprofit organizations with documented HR practices are the primary targets. The program is designed for accounts that need admitted-market placement, flexible limits ($250k–$5M), and optional wage-and-hour coverage (subject to sub-limits).
What does the submission process require?
Rockwood uses a two-page application and a paperless submission workflow. Include employee counts, loss runs, and core HR policies or handbooks to speed underwriting. Detailed histories are needed for accounts with prior EPL claims or wage-and-hour exposure.
Is third-party wrongful acts and wage-and-hour coverage included?
Third-party wrongful acts coverage is available. Wage-and-hour coverage can be offered subject to a sub-limit. Specific availability and sub-limit sizes are determined by underwriting and state filing requirements.
Which states and markets are supported?
The program is available in most states (see storefront for the full list). Rockwood places business with admitted carriers including Houston Sepc. Insurance Group and Imperium Insurance Company depending on territory and risk profile.
Are there service resources for policyholders during a claim?
Yes. The program offers advocacy claims defense through nationally recognized legal experts and a toll-free hotline available to Rockwood policyholders for early claim guidance and loss mitigation.
Need help placing an account? Connect with a market specialist.