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The Rockwood Employment Practices Liability Insurance program delivers defense and indemnity protection for claims arising from the employer/employee relationship. The policy is written to defend and indemnify employers — including current, former and prospective employees, directors and officers, and the corporate entity —against a broad spectrum of employment-related claims. Multiple limit and deductible options are available to help you place accounts with varying risk tolerances and budgets. Rockwood’s Employment Practices Liability Insurance Program Coverage Highlights: Coverage for Third Party Wrongful Acts — available Wage-and-Hour coverage — available (subject to sub-limit) Alleged violations of immigration rules — endorsement provided at no cost to the insured (subject to sub-limit) Expanded definition of covered employee to include leased workers, independent contractors, volunteers and interns Advocacy claims defense provided by nationally recognized legal experts Underwritten by member companies of Baldwin & Lyons, Inc. Toll-free hotline available to all Rockwood policyholders Rockwood’s Employment Practices Liability Insurance program uses a streamlined submission process with a two-page application and paperless compliance. Limits are available from $250,000 to $5,000,000 and retentions start as low as $2,500. Some restrictions apply. 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.

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What is Auto Insurance? Auto insurance is a type of coverage that helps protect you financially if you're involved in a car accident or your vehicle is damaged or stolen. Depending on your policy, it may pay for repairs, medical expenses, and liability claims. Most states require drivers to carry a minimum level of auto insurance to legally operate a vehicle. Who Needs Auto Insurance? Anyone who owns or drives a vehicle typically needs auto insurance. Most states have laws mandating certain coverages, like liability insurance. Even if it's not legally required in your state, having coverage can protect you from out-of-pocket expenses after an accident or other loss. What Does Auto Insurance Typically Cover? Auto insurance policies can include several types of coverage: Liability coverage: Pays for damage or injuries you cause to others. Collision coverage: Covers damage to your own vehicle after a crash, regardless of fault. Comprehensive coverage: Covers non-collision events like theft, vandalism, or weather-related damage. Medical payments or personal injury protection (PIP): Helps cover medical expenses for you and your passengers. Uninsured/underinsured motorist coverage: Protects you if you're hit by a driver with little or no insurance. Common Exclusions and Limitations Auto insurance does not cover everything. Common exclusions include: Intentional damage or illegal activities Wear and tear or mechanical breakdowns Driving for commercial purposes without proper coverage Using a vehicle not listed in your policy Always review your policy to understand what's included and what's not. Factors That Influence Auto Insurance Costs Several factors can affect how much you pay for auto insurance: Driving record: Accidents or violations can raise your rates. Vehicle type: The make, model, and age of your car matter. Location: Rates can vary by state and even ZIP code. Coverage levels: Higher limits and additional coverages increase costs. Credit history: In some states, insurers use credit as a rating factor. Proof of Insurance and Legal Compliance Most states require drivers to carry proof of insurance in their vehicles. This can be a printed ID card or a digital version on your phone. If you're pulled over or involved in an accident, you may be asked to show proof of coverage. Failing to maintain insurance could lead to fines, license suspension, or other penalties. How to Get an Auto Insurance Quote Getting a quote is easy and can help you compare coverage options. You’ll typically need to provide information about your vehicle, driving history, and desired coverage levels. Start your quote today by visiting our auto insurance quote page. Frequently Asked Questions Is auto insurance required in every state?Most states require drivers to carry at least liability insurance, but specific requirements vary. Check your state’s laws to be sure. Does auto insurance cover rental cars?Some policies extend coverage to rental vehicles, but this isn't always the case. It's best to confirm with your insurer before renting a car. What should I do after a car accident?Make sure everyone is safe, call the police if needed, and exchange information with the other driver. Then contact your insurance company to report the accident. Can I add other drivers to my policy?Yes, most insurers allow you to list additional drivers who regularly use your vehicle. Their driving history may affect your premium. How often should I review my auto insurance policy?It’s a good idea to review your policy annually or after major life events like buying a new car or moving to a different state. Still have questions? Talk to a local insurance expert.