Comprehensive EPLI Coverage from Superior Access Insurance Services, Inc.
In today’s litigious business environment, Employment Practices Liability Insurance (EPLI) is no longer optional—it’s essential. At Superior Access Insurance Services, Inc., we offer a robust EPLI program designed to help independent agents and brokers protect their clients from the growing risk of employee-related claims. As a wholesale broker with access to a broad range of carriers, we specialize in providing tailored EPLI solutions that fit a variety of industries and business sizes.
Ideal Accounts and Appetite
Our EPLI program is well-suited for small to mid-sized businesses across a wide range of sectors. Whether your client is a professional services firm, retail operation, restaurant group, or light manufacturing business, we can help you secure appropriate coverage options. We also welcome more complex risks, including those with prior claims, depending on underwriting review.
Examples of good-fit accounts include:
- A growing tech startup hiring rapidly and needing protection against hiring/firing disputes.
- A regional restaurant chain seeking coverage for potential sexual harassment or wage & hour claims.
Coverage Highlights and Advantages
Our EPLI program provides protection from a wide range of employee-related claims, including but not limited to:
- Sexual Harassment
- Invasion of Privacy
- Whistleblower Retaliation
- Wage and Hour Disputes
- Breach of Employment Contract
- Wrongful Termination
Coverage is available on an admitted basis in most states, with access to several strong, reputable carriers. We work closely with agents to identify the best-fit market based on the client’s risk profile and needs.
Underwriting Notes and Minimum Premiums
Minimum premiums vary based on the risk, state, and carrier selected. Our underwriting team evaluates each submission individually, taking into account factors such as company size, number of employees, claims history, and risk management practices. Submissions with prior losses or high-risk operations may still be considered with appropriate documentation.
Territories and Availability
This program is available in most U.S. states, including AL, AK, AZ, AR, CA, CO, CT, DE, FL, GA, HI, ID, IL, IN, IA, KS, KY, LA, ME, MD, MA, MI, MN, MS, MO, MT, NE, NV, NH, NJ, NM, NY, NC, ND, OH, OK, OR, PA, RI, SC, SD, TN, TX, UT, VT, VA, WA, DC, WV, WI, and WY.
Why Work With Superior Access Insurance Services, Inc.?
Superior Access has long-standing expertise in delivering wholesale insurance solutions that help agents grow their business. Our EPLI program is backed by strong carrier partnerships, competitive pricing, and a responsive underwriting team. We are committed to helping brokers navigate the complexities of EPLI and place coverage that fits their clients’ unique needs.
Contact us for more information on our EPLI program!
Frequently Asked Questions
What types of accounts are a good fit for this EPLI program?
We welcome small to mid-sized businesses in industries such as retail, hospitality, healthcare, professional services, and light manufacturing. Accounts with prior claims may also be considered.
Is coverage available on an admitted basis?
Yes, coverage is available on an admitted basis in most states. We work with a variety of carriers to find appropriate solutions.
What is the minimum premium for the EPLI program?
Minimum premiums vary by risk characteristics and carrier, but we offer flexible options to fit a range of business sizes and needs.
Can coverage include wage and hour claims?
Yes, our EPLI program can include wage and hour coverage, subject to underwriting and carrier availability.
How quickly can I get a quote?
Turnaround times depend on the complexity of the risk and completeness of the submission, but our team works efficiently to provide timely responses.
Need help placing an account? Connect with a market specialist.