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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.

The Rockwood Non Profit D&O program is specifically designed to help independent agents and brokers secure reliable Directors and Officers liability coverage for nonprofit organizations. Offered on a claims-made basis, this program provides tailored protection for both the leadership and the entity against a wide range of liability exposures. Backed by highly rated carriers like Baldwin & Lyons, Inc., Rockwood delivers strong underwriting and responsive service to help you place hard-to-insure nonprofit risks. Ideal Accounts and Appetite This program is an excellent fit for a wide range of nonprofit organizations, including but not limited to: Charitable foundations Community and civic groups Educational and cultural institutions Advocacy and membership-based nonprofits Many board members are unaware that they can be held personally liable for decisions or actions taken in their roles. Rockwood’s Non Profit D&O program helps you provide your nonprofit clients with the coverage they need to manage that risk. You might have a client who is launching a community outreach nonprofit or an arts foundation with a newly formed board. These organizations often face exposures similar to for-profit entities and need solid D&O protection to safeguard their leadership and mission. Coverage Highlights and Advantages Rockwood’s Non Profit D&O Liability Insurance Program offers broad, flexible coverage options, including: Duty to Defend – Legal defense is provided even if allegations are groundless. Defense Costs Outside the Limit – Available in some cases to preserve policy limits for settlements. Wage and Hour Coverage – Provided subject to sub-limits. Exemplary or Punitive Damages – Covered up to the policy limits where insurable by law. Full Prior Acts Coverage – Included within the base policy. Coverage for Both Monetary and Non-Monetary Claims Optional tailored endorsements allow your clients to expand protection with additional features such as: Employment Practices Liability Fiduciary Liability Organizational Liability Limits range from $250,000 up to $5,000,000, with both stand-alone and package policy structures available. Underwriting Notes and Minimum Premiums Rockwood underwrites each submission carefully to match coverage to the nonprofit’s operations and risk profile. Minimum premiums vary depending on the size and scope of the organization, selected limits, and optional coverages. Quotes are typically turned around quickly, helping you meet client deadlines and respond to time-sensitive opportunities. Territories and Availability The Non Profit D&O program is available in most states, including but not limited to CA, FL, NY, TX, and IL. Some admitted options are available depending on the specific state and risk class. Coverage is offered in the following jurisdictions: AK, AL, AR, AZ, CA, CO, CT, DE, FL, GA, HI, IA, ID, IL, KS, KY, LA, MA, MD, ME, MI, MN, MO, MS, MT, NC, ND, NE, NJ, NM, NV, NY, OH, OK, OR, PA, RI, SC, SD, TN, TX, UT, VA, VT, WA, WI, WV, WY, DC. Why Work With Rockwood Programs? As a leading program administrator, Rockwood Programs brings deep expertise in nonprofit liability exposures, strong carrier relationships, and attentive service. From tailored coverage options to fast quote turnaround, Rockwood supports agents in placing competitive, reliable Non Profit D&O coverage in a challenging market segment. Contact the Rockwood team to discuss your client’s needs and learn how their D&O solutions can help protect nonprofits and their boards from costly liability risks. Frequently Asked Questions What types of accounts are a good fit for this program?This program is ideal for most nonprofit organizations, including charities, community service groups, foundations, and educational or cultural institutions. What limits are available through the program?Liability limits range from $250,000 up to $5,000,000, with flexible options depending on the size and type of nonprofit. Can I include Employment Practices Liability with this program?Yes, Employment Practices Liability is available as an optional coverage enhancement under this program. Is coverage available in my state?The program is available in most U.S. states, including CA, FL, NY, TX, and many others. Contact Rockwood for state-specific options. What carriers back this program?The program is supported by Baldwin & Lyons, Inc., a highly rated carrier known for financial strength and reliability. Need help placing an account? Connect with a market specialist.

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