For over 30 years, U.S. Risk Insurance Group, Inc. has been a trusted leader in the professional liability space. As a Managing General Agency and Excess & Surplus Lines Broker, we offer a comprehensive Employment Practices Liability Insurance (EPLI) program designed to help your clients manage the complex risks associated with employment-related claims. With in-house underwriting and claims handling, as well as access to top-rated carriers, we provide tailored solutions for businesses of all sizes across a wide range of industries.
Ideal Accounts and Appetite
This EPLI program is a strong fit for a broad array of businesses, including both small and mid-sized companies. We offer specialized solutions for employers with up to 25 employees through our Small EPLI Program, as well as expanded options for larger organizations. Target accounts include private companies, nonprofits, and certain professional service providers looking for cost-effective yet robust protection against employment-related exposures.
Coverage Highlights and Advantages
Standard Employment Practices Program Highlights:
- Limits up to $2 million
- Deductibles starting as low as $1,000
- Duty to defend and pay-on-behalf-of provisions
- Includes punitive damages coverage where permitted
- Broad definition of “wrongful acts,” including discrimination, harassment (sexual and non-sexual), wrongful termination, negligent hiring/supervision, and more
- Third-party coverage available
- Full prior acts coverage, even if no prior policy was in force
- Free workplace helpline for unlimited access to employment law and HR advice
Small EPLI Program Highlights (25 or fewer employees):
- Coverage through an “A”-rated carrier
- Slot-rated program with minimum premiums as low as $750
- Deductibles starting at $1,000
- Pay-on-behalf-of and duty to defend language
- Third-party coverage available for most classes
- Triple aggregate deductible for accounts with minimal claim history
- Defense outside the limits options
- Broad definition of wrongful acts, including punitive damages (where insurable)
- No FLSA exclusion
- Accepts other carriers’ applications for binding, subject to required information
- Free workplace helpline included
Underwriting Notes and Minimum Premiums
We offer competitive pricing and flexible underwriting for both small and mid-sized employers. The Small EPLI Program features slot rating and minimum premiums as low as $750, making it an accessible option for smaller accounts. Deductibles begin at $1,000, and we offer flexibility for accounts with clean claim histories.
Territories and Availability
This Employment Practices Liability program is available in most U.S. states, including but not limited to: CA, TX, FL, NY, IL, GA, PA, and WA. For a full list of available states, we currently write in all states except for a few with specific regulatory constraints. Most markets are available on either an admitted or non-admitted basis, depending on the state and carrier availability.
Why Work With U.S. Risk Insurance Group?
U.S. Risk brings decades of experience, niche underwriting expertise, and strong carrier relationships to help agents and brokers place EPLI coverage with confidence. Whether you are working with a small business needing basic protection or a larger employer with more complex exposures, our team is equipped to support you with fast quotes, responsive service, and policy options that meet your clients' needs. Let U.S. Risk be your go-to partner for Employment Practices Liability solutions nationwide.
Frequently Asked Questions
What types of accounts are a good fit for this EPLI program?
This program is ideal for small to mid-sized private companies, nonprofits, and professional service providers with up to 25 employees or more, depending on the offering.
Does the program include third-party coverage?
Yes, third-party coverage is available under both the standard and small EPLI programs for most classes of business.
Are prior acts covered if the insured has not had prior EPLI coverage?
Yes, full prior acts coverage is available, even if there was no prior EPLI policy in force.
Can I submit another carrier’s application for binding?
Yes, U.S. Risk will accept applications from other carriers, provided all required information is submitted.
Is there a resource for insureds to get HR or legal advice?
Yes, a free workplace helpline is included with the policy, offering unlimited access to employment attorneys for consultation and HR support.
Need help placing an account? Connect with a market specialist.