https://completemarkets.com/company/usrisk/employment-practices-liability/
For more than 30 years, U.S. Risk Insurance Group, Inc. has been a trusted leader in professional liability solutions. As a Managing General Agency and Excess & Surplus Lines Broker, we offer a comprehensive Employment Practices Liability Insurance (EPLI) program that helps your clients manage the full range of employment-related exposures. With in-house underwriting and claims handling plus access to top-rated carriers, we deliver tailored EPLI placement options for businesses of varying size and complexity across multiple industries.
Ideal Accounts and Appetite
This EPLI program fits a broad mix of small and mid-sized employers. We offer a dedicated Small EPLI Program for employers with 25 or fewer employees, and expanded options for larger organizations. Target accounts include privately held companies, nonprofits, and many professional service providers seeking cost-effective yet robust protection for employment-related claims.
Coverage Highlights and Advantages
Standard Employment Practices Program Highlights:
Limits available up to $2 million
Deductibles from $1,000
Duty to defend and pay-on-behalf-of provisions
Includes punitive damages coverage where permitted
Broad definition of “wrongful acts” — discrimination, harassment (sexual and non-sexual), wrongful termination, negligent hiring/supervision, and more
Third-party coverage options
Full prior acts coverage, even if no prior EPLI policy was in force
Free workplace helpline providing unlimited access to employment law and HR advice
Small EPLI Program Highlights (25 or fewer employees):
Placement through an “A”-rated carrier
Slot-rated structure with minimum premiums as low as $750
Deductibles starting at $1,000
Pay-on-behalf-of and duty to defend wording
Third-party coverage available for most classes
Triple aggregate deductible option for accounts with minimal claim history
Defense outside the limits options
Broad wrongful-acts language, including punitive damages where insurable
No FLSA exclusion
We will accept other carriers’ applications for binding when required information is provided
Free workplace helpline included
Underwriting Notes and Minimum Premiums
U.S. Risk offers competitive pricing and flexible underwriting for small and mid-sized employers. The Small EPLI Program is slot-rated, with minimum premiums starting around $750, and deductibles beginning at $1,000. We evaluate accounts based on industry, employee counts, prior loss activity, HR practices, and any pending employment claims. Clean claim histories and strong HR protocols may qualify for favorable terms.
Territories and Availability
This EPLI program is available in most U.S. states. We currently write 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. Most placements can be handled on an admitted or non-admitted basis depending on state regulations and carrier appetite.
Why Work With U.S. Risk Insurance Group?
U.S. Risk combines deep EPLI underwriting expertise, in-house claims handling, and strong carrier relationships to help agents place employment practices liability with confidence. Our team provides fast, responsive service, flexible policy options, and value-add services such as an included workplace helpline. Whether you have a small business client needing a straightforward policy or a larger employer with complex exposures, we can help you find an appropriate solution.
Frequently Asked Questions
What types of accounts are a good fit for this EPLI program?This program is ideal for small to mid-sized private companies, nonprofits, and professional service providers — including employers with up to 25 employees through the Small EPLI Program and larger employers through our standard offering.
Does the program include third-party coverage?Yes. Third-party coverage is available under both the standard and small EPLI programs for most classes of business.
Are prior acts covered if the insured has not had prior EPLI coverage?Yes. Full prior acts coverage is available even if the insured did not have prior EPLI in force.
Can I submit another carrier’s application for binding?Yes. U.S. Risk will accept applications from other carriers for binding provided all required information is submitted.
Is there a resource for insureds to get HR or legal advice?Yes. A free workplace helpline is included with the policy, offering insureds unlimited access to employment attorneys for consultation and HR support.
Need help placing an account? Connect with a market specialist.