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Employed Lawyers Coverage Through Preferred C...of accounts are a good fit for this Employed Lawyers program?This program is ideal for...

Employee lawsuits can be devastating to a business—they can be inconvenient, costly, and time-consuming. Employment-related claims continue to rise across the United States, posing a significant threat to businesses of all sizes—especially small and mid-sized companies that may lack the resources to defend against such claims. Whether it's allegations of discrimination, harassment, wrongful termination, or violations of workplace laws, employers need protection. With Employer Practices Liability Insurance (EPLI) from Alexander J. Wayne & Associates, Inc., insurance agents and brokers can help their clients manage this growing exposure. Our comprehensive EPLI program is designed to safeguard businesses against the financial and reputational damage that can stem from employee lawsuits. Ideal Accounts and Appetite We work with a wide variety of businesses across all industries. This program is a strong fit for: Small to mid-sized businesses with 5–500 employees Privately held companies or nonprofits Clients with prior employment practices policies or new to EPLI coverage Accounts with a commitment to formal HR practices and workplace policies You might have a client in retail, hospitality, healthcare, or professional services who recently terminated an employee and is concerned about potential claims. This program can help protect them from the legal and financial fallout. Coverage Highlights and Advantages Our EPLI program includes broad, flexible protection to address the evolving risks of the modern workplace. Coverage features include: • Third Party Liability • Discrimination • Wrongful Termination • Defense Costs Outside the Limits • No Intentional Acts Exclusion • Internet and Email-Related Employment Acts • Coverage for Retaliation, Demotion, Failure to Promote, Wrongful Discipline, and more • Violations of the Family Medical Leave Act (FMLA) • Extension of Coverage for Lawful Spouses • Broad Definition of Harassment, including Sexual Harassment • Free Employment Practices Hotline – Unlimited Calls, No Time Limits • FLSA Sublimit Underwriting Notes and Minimum Premiums Premiums for this program start as low as $1,500, making it accessible for a wide range of clients. The application process itself provides valuable insights for businesses looking to improve their internal employment practices—even before binding coverage. We offer flexible underwriting and access to most major insurance markets writing EPLI, including but not limited to ACE USA, Beazley, CNA, Chartis, Allied World, Axis, and more. Territories and Availability This program is available in all 50 states and Washington, D.C., giving you nationwide reach for your clients. Whether your client is in California, Texas, New York, or a smaller market, we can help you find the right EPLI solution. Why Work With Alexander J. Wayne & Associates, Inc. As a leading wholesale broker with deep expertise in EPLI and professional liability, Alexander J. Wayne & Associates, Inc. is your go-to partner for hard-to-place or specialized employment practices risks. We provide responsive service, expert guidance, and access to top-tier carriers—ensuring you get the best coverage options for your clients. Let us help you offer peace of mind to your commercial clients by protecting them from today’s complex employment risks. Frequently Asked Questions What types of accounts are a good fit for this EPLI program?Small to mid-sized businesses across various industries—especially those with 5 to 500 employees—are ideal for this program. We also work with nonprofits and privately held companies. Which states is this program available in?This Employer Practices Liability Insurance program is available in all 50 states and Washington, D.C. What carriers do you work with for EPLI coverage?We have access to a wide range of top-rated carriers, including ACE USA, Beazley, CNA, Chartis, Allied World, Axis, and many others. Is there a minimum premium requirement?Yes, the minimum premium for this EPLI program typically starts at $1,500, though this may vary based on the account. Does the program include any value-added services?Yes, the program includes a free employment practices hotline with unlimited calls and no time limits, providing added value to your insureds. Need help placing an account? Connect with a market specialist.

Overview — Employment Practices Liability from Preferred Concepts LLC Preferred Concepts LLC provides access to Mercator Risk Services’ markets for Employment Practices Liability (EPL) — offering coverage options for employment accounts of many types and sizes across the U.S. EPL responds to growing exposures such as sexual harassment, wrongful termination, discrimination in hiring, and other employment-related acts that can generate defense costs, settlements, and judgments. Why this program This program gives agents access to specialty EPL capacity and underwriting expertise through Mercator Risk Services. Coverage forms and pricing vary by carrier and account profile, but the program is designed to offer broad coverage at competitive pricing for many small- and medium-sized employers. Preferred Concepts can help place routine EPL risks as well as more challenging or unusual accounts. Ideal accounts and appetite Small to mid-sized employers across many industries — professional services, retail, hospitality, light manufacturing, medical/dental practices, nonprofits and staffing firms. Organizations looking for broad EPL coverage and help with risk management and defense coordination. Hard-to-place or distressed accounts that have employment-related exposures but may be able to place with specialty markets. Coverage highlights and advantages Coverage for a wide range of employment-related claims including discrimination, harassment, wrongful termination and related legal defense costs. Multiple market options — Various carriers available — that allow you to match attachment points, limits and endorsements to client needs. Availability of standard limits appropriate for many small and mid-size organizations, with flexible deductibles and limit structures depending on the carrier and account. Underwriting and risk management support from Mercator’s specialty lines resources for defense strategy and loss control. Hard to Place: Mercator Risk Services also handles hard-to-place, distressed, and unusual EPL accounts. Tell Preferred Concepts about your client’s situation and they’ll work with Mercator’s underwriting team to provide options and guidance for placement. Underwriting notes and submission guidance Underwriting typically focuses on factors such as company size (employees and payroll), claims and litigation history, documented employment practices (handbooks, policies, training), and the nature of the workplace. Premium and terms vary significantly with exposure and class. Agents should be prepared to provide an employment practices application, loss run information, and details on HR policies when submitting a risk. Territories and availability This program is available in: 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, WV, WI, WY. Availability and specific carrier appetite can vary by state and account. Why work with Preferred Concepts LLC on EPL Access to Mercator Risk Services’ specialty EPL markets and underwriting expertise through a wholesale broker relationship. Experience placing both standard and difficult EPL risks, with guidance on risk management and paperwork to improve placement prospects. Multiple carrier options so you can seek competitive terms and limits for your client’s unique exposures. Example accounts that often fit A professional-services firm with 25–150 employees seeking a standalone EPL policy and guidance on HR best practices. A small healthcare clinic with a prior employment claim that needs a market willing to evaluate mitigations and current HR procedures. For more information, call (860) 527-9717 or send an e-mail to [email protected]. You can get additional information on applications and Specialty Lines insurance information on Mercator’s website www.mercatorpro.com. Frequently Asked Questions What types of accounts are a good fit for this EPL program?Small- and mid-sized employers across a wide range of industries are the primary targets, including firms in professional services, healthcare practices, retail, hospitality and nonprofits. The program also considers hard-to-place accounts when appropriate underwriting and mitigations are in place. What underwriting information will I need to submit?Be ready to provide an employment practices application, current loss runs, employee count or payroll, and documentation of HR policies or training programs. Prior claims and how they were resolved are a key factor in pricing and placement. Can Preferred Concepts place accounts with prior employment claims or higher exposures?Yes. Preferred Concepts works with Mercator to handle distressed or unusual accounts. Each submission is evaluated case-by-case and may require additional risk management steps or specific endorsements. How do I get a quote or start a submission?Submit the required application and loss runs to your Preferred Concepts wholesale contact; they will route the submission to the appropriate Mercator markets and provide guidance on additional information needed for underwriting. Need help placing an account? Connect with a market specialist.

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Do all your clients understand they are at risk? Employment Practices Liability Insurance protects from claims brought against a business, its officers and directors, or its employees and managers relating to your clients workforce – wrongful termination, sexual harassment, discrimination, failure to employ or promote and wage and hour law violations. Do your clients know? E Every employer, large or small, is a target for legal action. P Pricing of EPL coverage is now very competitive. L Loss prevention is important – many EPL carriers offer loss prevention programs. R Right or wrong, defending a claim (even if it’s groundless or fraudulent) can be expensive. I Inclusion of coverage for employment related claims in other policies is not likely. S Severity and the number of claims are increasing. K Knowledge of the risk is important, but coverage for the risk is imperative! AP Advantage provides Employment Practices Liability Insurance coverage for all types and size of accounts. We represent over twenty five carriers who write this coverage. Expertise in this area is important to find the best options for your clients. Use our wholesale expertise to your Advantage!

Overview of the Program From AI Risk: AI Risk is a Managing General Agency and carrier offering a focused Employment Practices Liability Insurance (EPLI) program to help agents and brokers place small- and mid-size employer accounts. Underwritten with access to AIG as the carrier, this program delivers competitive limits and flexible pricing for employers with up to 250 employees. Coverage is offered in nearly all U.S. states (program exclusions apply), with admitted and non-admitted options depending on state and risk characteristics. Ideal Accounts and Appetite: This EPLI program is designed for a broad mix of private and public-sector employers. Typical target classes include: Hospitality — restaurants, fast-food franchises, motels, and hotels Franchise groups — retail and service franchisors/franchisees Auto dealerships Professional services — law firms, accounting firms, consultants Design and construction professionals Associations, trade organizations, and municipalities Public entities and government-related groups You might place a 100-employee restaurant franchise or a regional design/construction firm on this program — both are representative fits. Appetite focuses on accounts up to 250 employees; complex enterprise exposures or large national multi-state operations may not be a fit here. Coverage Highlights and Advantages: AI Risk’s EPLI program responds to a wide range of employment-related claims, including: Wrongful termination Discrimination (race, gender, age, etc.) Sexual harassment Retaliation Workplace torts such as defamation or emotional distress Backed by AIG, the program combines experienced claims handling with underwriting flexibility, making it suitable for employers in industries with frequent employee interactions and franchise operations. Underwriting Notes and Minimum Premiums: Underwriting emphasizes employer size, industry class, and the employer’s employment practices exposures. Minimum premiums vary by limit and state: $250,000 limit: $2,500 $500,000 limit: $3,150 $1,000,000 limit: $4,150 (California: $6,150) Coverage is generally available for accounts with up to 250 employees. The program is not available in Texas; consult underwriting for other state-specific requirements and admitted vs. non-admitted placement options. Territories and Availability: The program is available in most U.S. states (see underwriting for admitted vs. non-admitted options by state). AI Risk can place business in many major markets — including CA, FL, NY, IL, PA, GA, and WA — and will confirm availability during submission. Why Work With AI Risk on This Business: AI Risk combines MGA expertise with carrier-level capabilities to streamline placement and provide consistent service to brokers. Key advantages for agents and brokers include direct underwriting expertise in EPL exposures, access to AIG’s financial strength and claims resources, and appetite for a wide range of small- to mid-sized employers. Whether you have a franchise group, a municipality, or a professional services firm, AI Risk’s EPLI program offers practical, market-ready solutions to manage employment-related risks. Frequently Asked Questions What types of accounts are a good fit for this EPLI program?This program works well for employers with up to 250 employees, including hospitality, franchise operations, auto dealerships, municipalities, trade associations, and professional service firms. Is this program available in all states?Coverage is available in most U.S. states; however, the program is not available in Texas. Admitted versus non-admitted placement depends on state rules and the individual risk. What is the minimum premium for this coverage?Minimum premiums start at $2,500 for a $250,000 limit. Higher limits are offered with corresponding minimums — see the underwriting notes for details. What carrier backs this program?The program is backed by AIG, providing established financial strength and experienced claims handling for employment practices matters. Can public entities or municipalities be covered under this program?Yes. Public entities and municipalities are within the program’s appetite, subject to underwriting review and approval. Need help placing an account? Connect with a market specialist.