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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.

Employment Practices Liability Program from ExecutivePerils, Inc. ExecutivePerils, Inc. offers a comprehensive Employment Practices Liability (EPL) insurance program designed to help agents and brokers place coverage for businesses facing the growing risks of employment-related claims. With access to over 35 top-rated insurance carriers, ExecutivePerils delivers flexible, non-admitted solutions tailored to the unique needs of your clients across a wide range of industries. Ideal Accounts and Target Classes This EPL program is suitable for both private and public companies, as well as non-profit organizations. Ideal insureds include mid-sized to large employers that may be exposed to claims involving: Wrongful termination Discrimination (age, race, gender, etc.) Workplace harassment (including sexual harassment) Retaliation claims Wrongful discipline or failure to promote You might have a client in the healthcare, hospitality, retail, or technology sector that has recently expanded and is concerned about employment practices compliance. This program can help you offer them robust protection in a tightening legal environment. Coverage Highlights and Advantages No Intentional Acts Exclusion – broader protection for insureds facing claims where intent is disputed. Expanded definition of a “Wrongful Employment Act” – increased clarity and scope of covered events. Policy is non-cancelable except for non-payment of premium – stability for long-term planning. Extension of coverage to the lawful spouse of the insured – supports broader protection for key individuals. Named Peril coverage for employment claims arising from company internet and email usage – addresses modern digital exposures. ExecutivePerils’ form flexibility and broad definitions make this program well-suited for clients with a complex employment structure or multi-state operations. Underwriting Notes and Minimum Premiums Each submission is underwritten individually, with attention to the client’s size, risk profile, and past claims history. While there is no stated minimum premium, submissions should reflect meaningful EPL exposures to be considered. ExecutivePerils works with brokers to craft customized solutions based on risk appetite and market conditions. Territories and Availability This program is available in all 50 states and the District of Columbia, including key markets like California, New York, Florida, and Texas. As a non-admitted offering, it provides flexibility in coverages and pricing strategies not always available in admitted markets. Why Work with ExecutivePerils, Inc.? ExecutivePerils is a trusted resource for professional and executive liability placements. Their deep underwriting expertise, market access to over 35 carriers, and focus on client-specific solutions make them an ideal partner for agents and brokers navigating the complex landscape of EPLI. Whether your client is responding to a recent incident or proactively managing future risk, ExecutivePerils provides the tools and marketplace relationships to help you deliver tailored EPL coverage with confidence. Frequently Asked Questions What types of accounts are a good fit for this Employment Practices Liability program?This program is ideal for mid-sized to large private companies, non-profits, and select public entities with employment exposures, especially those in healthcare, hospitality, retail, and technology sectors. Is this EPL coverage admitted or non-admitted?This is a non-admitted program, allowing for greater flexibility in coverage terms and underwriting. Do you require a minimum premium for submissions?There is no fixed minimum premium, but accounts should represent meaningful EPL exposure to be considered. Each risk is individually underwritten. What are some unique features of this EPL policy?Key features include no intentional acts exclusion, an expanded definition of wrongful employment acts, and coverage for internet and email-related employment claims. In which states is this program available?This program is available in all 50 states and the District of Columbia. Need help placing an account? Connect with a market specialist.

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Employment Practices Liability Insurance Program from Donald Gaddis Company Employment Practices Liability Insurance (EPLI) through Donald Gaddis Company gives agents broad market access to protect employers from claims such as wrongful termination, discrimination, harassment, and other employment-related allegations. As a wholesale broker, Gaddis places accounts with a fluid panel of competitive carriers and can help match clients to carriers that offer stronger definitions and broader coverages. Minimum premiums in participating markets can start as low as $900, making this program accessible to smaller businesses as well as mid-sized employers. Ideal Accounts and Appetite This program targets small to mid-sized employers across a variety of industries, including construction, healthcare, retail, professional services, and hospitality. It works well for operations that have regular employee or customer interaction and for businesses that use a mix of traditional employees, leased workers, or independent contractors—provided the carrier’s employee definition aligns with the client’s labor model. Example fits: A construction subcontractor who regularly uses independent contractors and needs clarity around whether those workers are included as employees for EPL exposures. A retail store with frequent customer contact that wants third-party liability protection for harassment or discrimination claims brought by the public. Accounts with persistent or severe prior employment claim activity may require placement in specialty markets. If you have a larger national employer or a company with complex multi-state exposures, Donald Gaddis Company can assist in identifying admitted or non-admitted markets that best suit that profile. Coverage Highlights and Advantages Not all EPLI forms are the same. When placing EPL exposures through Gaddis, pay attention to: Who is an “employee”? Some carriers include leased workers and independent contractors; others do not. That definition can materially change coverage for businesses with non-traditional workforces. Third-party liability: Carriers vary in how broadly they define third parties. Policies that extend coverage to “any non-employee” provide stronger protection for claims by customers, vendors, or the public. Participating carriers in the program often pair EPLI limits with value-added HR tools, training resources, and loss-control services designed to reduce claim frequency and severity. Underwriting Notes and Minimum Premiums Underwriting varies by carrier and is influenced by employee count, payroll size, industry, prior claim history, and HR practices. Donald Gaddis Company’s underwriting team will review key risk indicators—such as hiring and termination practices, harassment prevention training, and employee handbooks—and help you present the account to carriers with the best chance of competitive terms. Minimum premiums can start around $900 depending on the carrier and risk profile. Territories and Availability This EPLI program is available in most states, including: AL, AZ, CA, CO, FL, GA, HI, IL, IN, IA, KS, MI, MN, MO, NE, NY, NC, OH, OK, PA, SC, TN, TX, VA, WV, and WI. Admitted markets are available in many of these states, providing flexibility based on your client’s location and regulatory needs. Why Work With Donald Gaddis Company? Donald Gaddis Company brings wholesale distribution expertise and deep market relationships to EPLI placements. Their underwriting and placement teams focus on finding carriers with flexible definitions and comprehensive third-party terms, and they offer agents responsive service throughout quote, bind, and policy issuance. Whether your client needs a straightforward small-business policy or a more tailored program with HR services and risk management support, Gaddis can help you identify the best fit across admitted and non-admitted markets. Frequently Asked Questions What types of accounts are a good fit for this EPLI program? Small to mid-sized businesses in industries such as construction, healthcare, retail, hospitality, and professional services are good fits—especially those with employee or customer interaction and those that use leased workers or independent contractors. Does the program offer third-party liability coverage? Yes. Many carriers represented include third-party coverage, but definitions vary. Gaddis helps you identify carriers whose third-party language best matches your client’s exposure. Are independent contractors covered under these EPLI policies? Some carriers extend coverage to independent contractors and leased employees. Always review each policy’s definition of “employee” to confirm whether those workers are included. What is the minimum premium for this program? Minimum premiums can start as low as $900, depending on the carrier and the account’s size, industry, and risk profile. In which states is this EPLI program available? The program is available in a broad set of states, including CA, TX, FL, NY, IL, and many others—see program materials for the complete list of territories and admitted market availability. Need help placing an account? Connect with a market specialist.