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Employment Practices Liability Insurance from Russell Bond & Co., Inc. Employment Practices Liability Insurance (EPLI) protects businesses from claims tied to hiring, employment practices, and workplace conduct. At Russell Bond & Co., Inc., we give independent agents and brokers access to a comprehensive EPLI program through both in-house and brokerage markets. With deep market relationships and experienced underwriters, we help you place coverage that addresses today’s most common employment-related risks. Why Your Clients Need EPLI Employment-related suits are increasingly common and often expensive to defend. Key industry indicators agents should know: • Over 40% of EPLI claims are filed against companies with fewer than 100 employees • 65% of companies that have never terminated an employee have still faced employment-related lawsuits • 3 out of 5 employers are sued by former employees Since 1991, wage-and-hour lawsuits have increased dramatically. Even employers with strong HR practices can face allegations of discrimination, harassment, retaliation, or wrongful termination. EPLI helps your clients manage defense costs and indemnity exposure when employment claims arise. Coverage Highlights and Features Russell Bond’s EPLI program is designed for today’s exposures and provides market-responsive features agents can offer their clients: • Full prior acts coverage available for most risks • Fair Labor Standards Act (FLSA) — $100,000 sub-limit for defense costs • Risk management services — complimentary HR consultation and helpline access • Duty to Defend — the program provides defense for covered claims • Punitive damages coverage available in most jurisdictions • Defense costs outside the limit — additional protection beyond the retention Ideal Accounts and Appetite This program targets small to mid-sized employers across a range of industries. Ideal accounts typically include: Businesses with fewer than 100 employees (retail, hospitality, professional services, light manufacturing) Companies seeking FLSA defense capacity and HR risk-management support Clients that value access to specialist underwriting and broad market placement You might have a client who operates several retail locations with 40–75 employees concerned about overtime and discrimination claims, or a regional professional services firm seeking a non-admitted solution with HR support—both are a good fit for this program. Underwriting Considerations This EPLI program is written on a non-admitted basis, giving Russell Bond flexibility to structure terms and place complex or specialty risks. Underwriters evaluate exposures including workforce size, recent employment practices, claims history, HR policies, and payroll. Minimum premiums and exact terms vary by account and state—contact a Russell Bond underwriter to review eligibility and obtain specific pricing guidance. Available in Most States The program is available in nearly all U.S. jurisdictions, including 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, DC, WV, WI, and WY. Why Work with Russell Bond As a Managing General Agency, Russell Bond combines focused underwriting, broad market access, and hands-on service to help you place EPLI business efficiently. We maintain relationships with carriers rated by A.M. Best, deliver responsive risk-management services, and support agents through placement and policy servicing. Our Business Resource Center and HR helpline add tangible value for insureds and can help reduce claim frequency. Learn more about our Employment Practices Liability Insurance program or contact us today to discuss placements and eligibility. Frequently Asked Questions What types of accounts are a good fit for this EPLI program?Businesses with fewer than 100 employees in sectors such as retail, hospitality, professional services, and light manufacturing are strong candidates. Russell Bond can also consider larger risks depending on exposure and underwriting controls. Is this EPLI program admitted or non-admitted?This program is offered on a non-admitted basis, which provides flexibility in coverage forms and terms to address specialized or higher-exposure accounts. Does the policy include wage and hour coverage?Yes. The program includes a $100,000 sub-limit for defense costs related to Fair Labor Standards Act (FLSA) matters to help address wage-and-hour allegations. What value-added services are included with the policy?Policyholders receive complimentary risk management services, including access to HR consultation and a helpline to address employment issues before they escalate into claims. Which states is this program available in?The EPLI program is available in most U.S. states. Refer to the program territory list above or contact Russell Bond for state-specific availability and any recent changes. Need help placing an account? Connect with a market specialist.

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Employment Practices Liability (EPL) for Companies Under 100 Full-Time Equivalent Employees Brown & Riding offers a targeted Employment Practices Liability (EPL) insurance solution designed specifically for companies with fewer than 100 full-time equivalent employees. With access to over 20 markets and a flexible underwriting approach, we help agents and brokers place EPL coverage for a wide range of private businesses across most states. Ideal Accounts and Appetite This program is ideal for small to mid-sized private companies that may not have dedicated HR or legal departments but still face significant exposure to employment-related risks. We are particularly interested in accounts from industries such as: Professional services Retail and hospitality Light manufacturing Healthcare practices Nonprofits and social services You might have a client who runs a regional retail chain or a growing tech startup—both could be strong fits for this program if they employ fewer than 100 full-time equivalent staff. Coverage Highlights and Advantages We can work with applications already completed by your insured or you can use our short-form EPL application to speed up the process. Our market access allows us to pursue valuable enhancements, including: FLSA (Fair Labor Standards Act) Sub-Limit options Additional Defense Cost coverage Third Party EPL coverage for claims involving customers, vendors, or other non-employees We aim to structure the coverage based on each insured’s specific exposures and risk tolerance. Underwriting Notes and Minimum Premiums This program typically starts at a minimum premium of $900, making it accessible for smaller organizations. Our underwriting team is flexible and responsive, and we can tailor quotes based on current underwriting trends and your client’s unique situation. Send completed applications or questions directly to Lisa Rodriguez at (206) 816-6725 or [email protected]. Territories and Availability We offer this EPL solution on a non-admitted basis in most states, including but not limited to: CA, TX, FL, NY, WA, NJ, and IL. The program is available in over 45 states and the District of Columbia, providing wide geographic access for your clients. Why Work With Brown & Riding As a nationally recognized general agency and E&S broker, Brown & Riding brings deep expertise and strong carrier relationships to help you navigate EPL placements with confidence. Our team understands the nuances of employment liability exposures and can facilitate coverage even for harder-to-place or niche businesses. Frequently Asked Questions What types of accounts are a good fit for this program?This program is best suited for private companies with under 100 full-time equivalent employees, including professional services firms, healthcare providers, nonprofits, and light manufacturing operations. Can I submit my client’s existing EPL application?Yes, we accept existing completed EPL applications or you can use our simplified short-form application to expedite processing. What coverage enhancements are available?Optional enhancements may include FLSA Sub-Limits, Additional Defense Costs, and Third Party EPL coverage, depending on underwriting approval. Is the program available in my state?The program is available in most states, including AL, CA, FL, NY, TX, WA, and many others. Contact us to confirm availability in your client’s state. What is the minimum premium for this EPL program?The minimum premium typically starts at $900, depending on the risk and selected coverages. Need help placing an account? Connect with a market specialist.

Quick Contract Bid, Payment and Performance Bond J.M. Wilson Corp. offers a Quick Contract Bid, Payment and Performance Bond program designed for small and newer contractors who need fast, reliable surety capacity. These quick-turn bonds are underwritten primarily on the applicant's credit and require minimal paperwork so you can obtain bid, payment and performance bonds quickly—typically when a prompt response is essential to secure a job. Coverages: Quick Contract Bonds (single-job performance and payment) Quick Bid Bonds to satisfy bid requirements Quick Payment & Performance Bond packages Alternative "Easy" or simplified bond options for smaller accounts Advantages: Fast quote and placement turnaround — new account submissions typically receive a response within 24–48 hours Competitive pricing within industry standards for small contractors Minimal underwriting paperwork when credit meets program requirements Ability to review and accept applications originally placed with other surety companies Access to J.M. Wilson surety markets that are "A" rated Quick Contract Bonds are intended for contractors who need bonding lines up to $350,000 per job with a $700,000 aggregate bonding line. These bonds are well suited to smaller projects and businesses that have fairly clean credit histories and need a fast solution for bid submission or to meet contract bonding requirements. Overview of the Program from J.M. Wilson Corp. This program is offered by J.M. Wilson Corp., a Managing General Agency and Excess & Surplus Lines broker with access to both admitted and non-admitted surety markets. The product is tailored to agents who need a quick surety option for clients that do not yet qualify for larger, more traditional bonding facilities. Ideal Accounts and Appetite - Small general contractors, subcontractors, and specialty trades with limited bonding histories - Newer firms that can demonstrate responsible credit and financial stability - Projects where single-job bonding needs do not exceed the program limits (up to $350,000 per job; $700,000 aggregate) Accounts that typically do not fit: contractors with significant adverse credit, ongoing claims or litigation, or complex multi-year contracts requiring large aggregate capacity. Coverage Highlights and When to Use This Program Use J.M. Wilson’s Quick Contract program when you need: A fast bid bond to meet a tight bidding deadline Payment and performance bonds for smaller public or private contracts A simplified underwriting path based primarily on credit rather than extensive financial histories Underwriting Notes and Minimum Premium Underwriting focuses on applicant credit; applicants should have fairly clean credit reports. Required items for submission generally include a completed application and a signed indemnity agreement. J.M. Wilson can also review applications previously submitted to other surety companies. Minimum premium and final terms vary by carrier and state—minimum premium: Varies. Territories and Availability Available in: AL, AK, GA, IL, IN, IA, KS, KY, ME, MI, MN, MS, MO, MT, NE, NH, NY, NC, ND, OH, OK, PA, SC, SD, TN, VT, VA, WV, WI, WY. Availability is subject to carrier approval and admitted vs. non-admitted market rules in each state. The program includes some admitted markets and non-admitted options depending on the state and risk profile. Why Work with J.M. Wilson Corp. on This Business As an MGA and E&S broker, J.M. Wilson provides agents with access to multiple A-rated surety markets and a streamlined underwriting process tailored for smaller accounts. The firm emphasizes quick turnaround, competitive pricing within industry standards, and flexible underwriting that can evaluate submissions previously placed with other sureties. This makes the program a practical solution when an insured needs bonding quickly to bid or secure smaller contracts. Example Scenarios - You have a client who is a small paving contractor bidding a municipal job valued at $200,000 and needs a bid bond within 48 hours. - A new roofing subcontractor wins a $60,000 private contract and requires a performance and payment bond but lacks an extensive bonding history. What is needed to get started: a completed application and a signed indemnity agreement. For more information on submission requirements or to discuss a specific account, contact J.M. Wilson Corp. — we look forward to working with you. Frequently Asked Questions What types of accounts are a good fit for the Quick Contract Bond program?Small or newer contractors with fairly clean credit who need bid, payment or performance bonds for single jobs up to $350,000 (with a $700,000 aggregate line). Ideal for trades and subcontractors with limited bonding histories. How fast can I expect a quote or decision on a submission?J.M. Wilson typically responds to new account submissions within 24–48 hours, assuming required documentation (application and signed indemnity) is provided promptly. What documentation is required to submit an account?At minimum, a completed bond application and a signed indemnity agreement. Additional information may be requested depending on the applicant’s credit and the size of the bond request. Are these bonds admitted or non-admitted?J.M. Wilson represents a mix of admitted and non-admitted carriers. Availability depends on the state and the specific surety market; some markets are admitted while others are non-admitted. Need help placing an account? Connect with a market specialist.

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Is it easy to switch auto insurance carriers or insurance agents? In short, yes. But, there is a procedure to follow for best results. If your previous carrier is reputable you will get a pro-rated refund fairly quickly. An insurance agent can help you with this process. You want to make sure you have coverage in place with the new carrier before you cancel your policy with the old carrier. This is important as you do not want to be uninsured for even a few hours. When switching agents but keeping the same carrier, a Broker-of-record (BOR) letter may need to be completed by your new agent (signed by you) When switching carriers but keeping the same agent – this could be quite simple if the agent has a partnership with the new carrier. If not, your agent can advise you of the procedure, which may involve switching to another agent (which may require some additional paperwork) What about additional drivers and additional vehicles? Some policies (especially comprehensive auto insurance policies) have protection for family members (household members) that drive your vehicles. But, this is not common. Adding additional vehicles is quite simple and will definitely affect your overall premium. Adding additional drivers, while also a simple task, could dramatically affect your policy based on the history of the additional driver. Contact us today and we will help you get this going. Why use a local insurance agent for your insurance? We have found that every client is unique and requires a certain level of customization, education and forward planning to set up the client for the best-case situation as it relates to risk management. And insurance policies are essentially that – risk management. A local insurance agent knows the particular laws, rules and regulations that pertain to that geographic location. Most agencies know very little about far away regions even in the same state – local environments vary. For our part we are far more knowledgeable about insuring clients and insurance policy regulations in a 100 mile radius of the Salisbury, MD area than let’s say 200 miles away. You can meet our local insurance agents face to face if needed, and work through any particular problems you need help with. An insurance agent/broker can help you with the correct paperwork, explain the coverages that suit you best and help with the claim process.

Is it easy to switch auto insurance carriers or insurance agents? In short, yes. But, there is a procedure to follow for best results. If your previous carrier is reputable you will get a pro-rated refund fairly quickly. An insurance agent can help you with this process. You want to make sure you have coverage in place with the new carrier before you cancel your policy with the old carrier. This is important as you do not want to be uninsured for even a few hours. When switching agents but keeping the same carrier, a Broker-of-record (BOR) letter may need to be completed by your new agent (signed by you) When switching carriers but keeping the same agent – this could be quite simple if the agent has a partnership with the new carrier. If not, your agent can advise you of the procedure, which may involve switching to another agent (which may require some additional paperwork) Common Auto Insurance coverages Some form of liability is mandatory in almost all states. Many people get the minimum coverage to save costs. But, there are a slew of other coverages that are very important. Collision – covers your own car and property. Property damage – this covers damages to the other motorists cars (involved in the accident) and property. Comprehensive – this covers damages and replacement due to being stolen, fire or water damages. But, in some states this comprehensive coverage also includes ‘Uninsured Motorist’ and a few other coverages. What’s included or bundled into a comprehensive policy can also differ by insurance carrier. Uninsured Motorist – mandatory in many states, this coverages kicks in when the other driver does not have adequate coverage or your vehicle is involved in a hit and run accident (the hit-and-run driver is not identifiable) Car Rental Insurance – this kicks in when you need a rental car while your vehicle is being repaired. Medical Bills – covers deductibles and medical payments not otherwise covered by your health insurance or the other drivers (at fault drivers) insurance. Mandatory in some states. Our agents can help you find great auto insurance rates; we know the specific laws and nuances of auto insurance in and around the Allentown, PA area. Why use a local insurance agent for your insurance? We have found that every client is unique and requires a certain level of customization, education and forward planning to set up the client for the best-case situation as it relates to risk management. And insurance policies are essentially that – risk management. A local insurance agent knows the particular laws, rules and regulations that pertain to that geographic location. Most agencies know very little about far away regions even in the same state – local environments vary. For our part we are far more knowledgeable about insuring clients and insurance policy regulations in a 100 mile radius of the Allentown, PA area than let’s say 200 miles away. You can meet our local insurance agents face to face if needed, and work through any particular problems you need help with. An insurance agent/broker can help you with the correct paperwork, explain the coverages that suit you best and help with the claim process.

Is it easy to switch auto insurance carriers or insurance agents? In short, yes. But, there is a procedure to follow for best results. If your previous carrier is reputable you will get a pro-rated refund fairly quickly. An insurance agent can help you with this process. You want to make sure you have coverage in place with the new carrier before you cancel your policy with the old carrier. This is important as you do not want to be uninsured for even a few hours. When switching agents but keeping the same carrier, a Broker-of-record (BOR) letter may need to be completed by your new agent (signed by you) When switching carriers but keeping the same agent – this could be quite simple if the agent has a partnership with the new carrier. If not, your agent can advise you of the procedure, which may involve switching to another agent (which may require some additional paperwork) Why use a local insurance agent for your insurance? We have found that every client is unique and requires a certain level of customization, education and forward planning to set up the client for the best-case situation as it relates to risk management. And insurance policies are essentially that – risk management. A local insurance agent knows the particular laws, rules and regulations that pertain to that geographic location. Most agencies know very little about far away regions even in the same state – local environments vary. For our part we are far more knowledgeable about insuring clients and insurance policy regulations in a 100 mile radius of the Poplar Bluff, MO area than let’s say 200 miles away. You can meet our local insurance agents face to face if needed, and work through any particular problems you need help with. An insurance agent/broker can help you with the correct paperwork, explain the coverages that suit you best and help with the claim process. How to get discounts and/or reduce your auto insurance bill? At 1st Community Insurance Group, our agents are always trying to help our clients get more value and better deals on their auto insurance and frankly, any insurance policies they write through us. Some key methods to reducing your insurance bills are – Bundle insurance policies. Good driver discounts Improve your credit score. Get a car that has a higher safety rating Don’t make insurance claims unless you absolutely have to.

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