Employment Practices Liability Insurance (EPL)
Tennant Risk Services specializes in placing Employment Practices Liability Insurance (EPL) for a wide range of organizations across all 50 states. Whether your client is a small business or a larger organization with more complex exposures, we offer flexible solutions through top-rated carriers. As a Managing General Agency and Excess & Surplus Lines Broker, we provide access to both admitted and non-admitted markets, depending on the risk profile, territory, and size.
Tennant Risk Services brings deep expertise in navigating the EPL insurance landscape. Our team delivers fast turnaround, competitive rates, and broad coverage options tailored to meet the needs of your clients. We work with retail agents and brokers to help place tough or unusual risks efficiently and effectively.
Ideal Accounts and Appetite
Our EPL program is designed to handle both standard and challenging accounts, including those with adverse loss history or unique operational structures. We're particularly strong in writing:
- Law firms and legal practices
- Healthcare providers and medical offices
- Restaurants and hospitality businesses
- Organizations with independent contractors or temporary staff
- Franchise operations
- Businesses undergoing reorganization or restructuring
You might have a client with a growing healthcare practice concerned about wrongful termination claims, or a restaurant group that recently faced staff-related allegations—these are the types of accounts we handle every day.
Coverage Highlights and Advantages
- Minimum premiums starting at $1,000
- Broad coverage options including third-party and FSLA/Wage & Hour (where available)
- Risk management services to help reduce the likelihood of claims
- Customizable plans with a variety of limits and deductibles
- Access to multiple carriers for flexibility and competitive pricing
Sample account scenarios include:
- Healthcare Office: $1M Limit, $1,250 Premium
- Technology Services Firm: $1M Limit, $6,000 Premium
- Law Firm: $1M Limit, $15,000 Premium
- Sports Bar with Claims History: $500K Limit, $1,950 Premium
Underwriting and Minimum Premiums
We evaluate each account individually, considering a range of underwriting factors including class of business, prior claims, number of employees, and employment practices in place. Our minimum premium begins at $1,000, and we offer flexibility in program design to meet your client's risk tolerance and budget.
Territories and Availability
Tennant Risk Services offers EPL coverage in all 50 states, including DC. Coverage is available through both admitted and surplus lines carriers depending on the state, risk class, and size of the account.
Why Work With Tennant Risk Services?
We support independent agents and brokers with exceptional service, deep expertise, and access to a wide range of markets. Whether you’re placing a simple EPL policy or navigating a tough submission, our team provides the tools and knowledge you need to deliver results for your clients. Reach out to discuss a specific account or to get started with a submission—we’re ready to help.
Put our Employment Practices Liability Insurance (EPL) expertise to work for you today.