https://completemarkets.com/company/MidlandsManagementCorp/Employment-Practices-Liability-Insurance/
Employment Practices Liability Insurance from Midlands Management Corp
You don't have to be wrong to be sued. Employers of any size and in any industry face employment-practice exposures that can lead to costly claims. Midlands Management Corp offers a tailored Employment Practices Liability Insurance (EPLI) program designed to help agents place a broad range of accounts and protect employers from employment-related litigation and allegations.
Claims may arise from purported wrongful termination, harassment, discrimination, retaliation, the failure to employ or promote employees, and other such allegations.
This Employment Practices Liability Insurance program is available for retail, manufacturing, and technology accounts as well as harder-to-place businesses such as contractors, hotels, restaurants, and auto dealers. Coverage is available for both private and public companies.
Place your next Employment Practices Liability Insurance risk with Midlands Management Corp to see why we’re a preferred resource for agents and an industry leader in specialty placement.
Program Highlights:
• Claims-made policy with limits of liability ranging from $250,000 up to $10,000,000
• Duty to defend with the insured retaining the right to assume the defense
• Broad definition of insured — includes the company, all employees, and leased employees
• Third-party liability coverage available on most accounts
• Option for defense costs outside the limit on many smaller accounts
• Defense cost sublimit for wage-and-hour type claims available on most small accounts
• Policies issued quickly and can be emailed for fast delivery
• Risk management program available to help mitigate exposures
• Direct access to an experienced, responsive underwriting team with decades of combined experience
Definition of insured event includes:
• Discrimination
• Sexual harassment
• Wrongful termination, demotion, or discipline
• Failure to hire, promote, fire, or demote
• Wrongful infliction of emotional distress
• False imprisonment/detention and malicious prosecution
• Libel, slander, defamation of character, and invasion of privacy
• Competitive pricing
• Worldwide coverage
Ideal Accounts and Appetite
This program fits a wide range of middle-market employers. Typical classes we place include retail stores, manufacturing firms, technology companies, hospitality (hotels and restaurants), contractors, and auto dealers. We routinely consider both private and public entities and can handle accounts that are difficult to place in standard markets.
Not a good fit: accounts with ongoing, unresolved class action wage-and-hour litigation or companies with repeated, severe prior EPL losses unless specifically referred to underwriting.
Coverage Advantages and Underwriting Strengths
Flexible limits from $250K to $10M to match the exposure and budget of your client.
Third-party coverage and favorable defense-cost options provide competitive layouts for smaller accounts.
Fast policy issuance and electronic delivery reduce placement friction and improve turnaround for your clients.
Access to a risk management program and an underwriting team that offers practical placement guidance and loss-control resources.
Underwriting Notes and Minimum Premiums
Underwriting looks at claim history, HR practices, employee counts, revenue, and industry-specific exposures. Wage-and-hour exposures are handled with care and may carry separate sublimits on smaller accounts. Minimum premium varies by risk and market — please submit full details for an accurate quote.
Territories and Availability
Most Available Markets. This program is available in the following jurisdictions: 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, WY. Availability and admitted status can vary by state and carrier — contact underwriting for state-specific placement guidance.
Why Work with Midlands Management Corp
As a Managing General Agency and excess & surplus lines broker with access to multiple markets, Midlands Management Corp combines market breadth with specialty underwriting. Agents benefit from prompt responses, competitive terms for harder-to-place accounts, and direct access to underwriters who understand employment-practice exposures. Whether you need admitted or non-admitted capacity (depending on state and carrier), we can help find the right placement.
Example fits: You might have a growing retail chain with 75 employees that needs higher limits and third-party coverage, or a small contractor worried about harassment and wrongful termination claims following rapid hiring. Both scenarios are the types of risks we place routinely.
Please reach out today to see how our Employment Practices Liability Insurance program can meet the needs of your clients.
Frequently Asked Questions
What types of accounts are a good fit for this EPLI program?Midlands Management Corp places retail, manufacturing, technology, hospitality, contractors, and auto dealers across private and public companies. Middle-market employers and harder-to-place businesses are a primary appetite.
Are wage-and-hour claims covered and how are defense costs handled?Wage-and-hour type claims are considered; smaller accounts often receive a defense-cost sublimit specifically for these claims. On many accounts, defense costs can be provided outside the limit — availability depends on the carrier and account profile.
What information should I include in a submission?Include employee count, revenue, prior EPL claims history, HR policies, recent hires/terminations, and any pending employment-related litigation. Complete documentation helps underwriters provide quicker, more accurate terms.
Which states do you write in and is this admitted coverage?This program is available in the states listed on the storefront (AL through WY and DC). Placement (admitted vs. non-admitted) depends on the carrier and state; contact underwriting for state-specific options.
How quickly can policies be issued?Policies can often be issued quickly and emailed for fast delivery. Speed depends on the completeness of the submission and any required underwriting review.
Need help placing an account? Connect with a market specialist.
https://completemarkets.com/company/MidlandsManagementCorp/Workers-Compensation-Insurance-for-Small-Business/