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Overview — Accountants Professional Liability Insurance from The Herbert H. Landy Insurance Agency, Inc. The Herbert H. Landy Insurance Agency, Inc. offers a dedicated Accountants Professional Liability Insurance program designed for accounting firms, sole practitioners, and accounting-adjacent service providers. This program is underwritten through Great American Insurance Company and Great American Assurance Company and delivered via Landy as a Managing General Agency, giving agents access to admitted paper and a full suite of risk-management support tailored to accounting professionals. Covered Services The program provides professional liability coverage for a wide range of accounting and advisory services, including: Accounting: Protection against claims arising from accounting engagements and financial reporting. Financial Planning: Coverage for financial advisory and planning services. Consulting: Liability protection for various consulting activities performed for clients. Notary Public: Coverage for notarial acts performed within the scope of professional services. Fiduciary: Protection for fiduciary responsibilities undertaken on behalf of clients. Investment Advisory: Coverage for investment advice and related services when provided by the insured. Arbitration/Mediation: Liability protection for services performed as an arbitrator or mediator. Risk Management Assistance Policyholders gain access to proactive tools designed to reduce loss frequency and severity: Legal Hotline and Pre-Claims Assistance: Early access to legal advice to help resolve exposure before it becomes a formal claim. No-Cost Quarterly Webinars: Continuing Professional Education (CPE) opportunities for insureds; participation may also qualify for periodic premium credits where applicable. Policy Highlights EXPRESS Program: Eligible firms can qualify for a streamlined placement that may include a 20% premium consideration, a zero-deductible option, and acceptance for firms with up to $1,000,000 in revenues over the past three years. A two-year policy option is available for greater premium stability and reinstatement of policy limits. Increased Supplementary Payments: Enhanced limits for supplementary payments are available with no deductible applied. Ideal Accounts and Appetite This program is a good fit for accountants and small to mid-sized firms that provide typical accounting, tax, and advisory services. Target accounts include: Small CPA firms and sole practitioners Bookkeepers and accounting consultants who offer payroll, tax preparation, or advisory services Firms that perform limited investment advisory or fiduciary activities as part of broader accounting services Accounts that typically fit well are those with clear engagement letters, manageable revenue levels (see EXPRESS eligibility), and a limited history of professional liability claims. Larger firms, highly specialized practices with unusual exposures, or firms with significant securities or ERISA fiduciary work may require referral to broader markets or specialized programs. Underwriting Notes Underwriters focus on revenue trends, services performed, claims history, use of engagement letters, and internal controls. The EXPRESS option speeds placement for eligible small firms (up to $1,000,000 revenue over the past three years) and offers simplified underwriting credits and deductible options. Minimum premiums and specific underwriting requirements vary by state and applicant profile—contact Landy for current guidelines and submission instructions. Territories and Availability Availability: All Available States This program is available in the following states: AL, AZ, AR, CA, CO, CT, DE, FL, GA, HI, ID, IL, IN, IA, KS, KY, 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. Why Work with The Herbert H. Landy Insurance Agency, Inc. As a Managing General Agency, Landy provides streamlined access to admitted carriers (Great American Insurance Company and Great American Assurance Company) and underwriting expertise for accounting risks. Practical risk-management tools—hotline advice and CPE webinars—help reduce claims exposure and support insureds. EXPRESS placement and flexible policy options (including two-year terms) make it easier to place smaller or straightforward accounts quickly. Example Placement Scenarios You have a three-partner CPA firm that provides tax prep, monthly bookkeeping, and limited financial planning. Their revenue fits within EXPRESS guidelines and they value the two-year option for premium stability. You represent a sole practitioner who performs tax returns, notary services, and small business consulting with a clean claims history—this client is likely to qualify for streamlined placement and risk-management resources. For more detailed underwriting criteria or to submit a risk, contact The Herbert H. Landy Insurance Agency, Inc. or review their program materials on the company website. Frequently Asked Questions What types of accounts are a good fit for this accountants professional liability program?This program is best for small to mid-sized accounting firms, sole practitioners, bookkeepers, and consultants offering tax, bookkeeping, payroll, and limited advisory services—particularly firms with clear engagement letters and manageable revenue levels. What is the EXPRESS program and who qualifies?EXPRESS is a streamlined placement option for eligible firms that can include a 20% premium consideration, zero-deductible choices, and acceptance for firms with up to $1,000,000 in revenues over the past three years. Eligibility is determined by underwriting review of services, revenue, and claims history. What risk management support does Landy provide to insureds?Policyholders have access to a legal hotline and pre-claims assistance, plus no-cost quarterly webinars that offer CPE credits. These resources are intended to help insureds manage exposures and reduce the likelihood of formal claims. Which carriers underwrite this program and where is it available?The program is underwritten by Great American Insurance Company and Great American Assurance Company and is available in the states listed above. Availability and certain terms may vary by state, so check current guidelines before submission. Need help placing an account? Connect with a market specialist.

The Rockwood Employment Practices Liability Insurance program delivers defense and indemnity protection for claims arising from the employer/employee relationship. The policy is written to defend and indemnify employers — including current, former and prospective employees, directors and officers, and the corporate entity —against a broad spectrum of employment-related claims. Multiple limit and deductible options are available to help you place accounts with varying risk tolerances and budgets. Rockwood’s Employment Practices Liability Insurance Program Coverage Highlights: Coverage for Third Party Wrongful Acts — available Wage-and-Hour coverage — available (subject to sub-limit) Alleged violations of immigration rules — endorsement provided at no cost to the insured (subject to sub-limit) Expanded definition of covered employee to include leased workers, independent contractors, volunteers and interns Advocacy claims defense provided by nationally recognized legal experts Underwritten by member companies of Baldwin & Lyons, Inc. Toll-free hotline available to all Rockwood policyholders Rockwood’s Employment Practices Liability Insurance program uses a streamlined submission process with a two-page application and paperless compliance. Limits are available from $250,000 to $5,000,000 and retentions start as low as $2,500. Some restrictions apply. Overview — Rockwood Programs Employment Practices Liability Rockwood Programs offers this EPLI product as a program administrator focused on easy placement and responsive advocacy for covered claims. The program pairs simplified underwriting with dedicated claims defense resources and access to admitted paper in most available markets. This makes it a practical option for agents seeking an efficient solution for employer-side liability exposures. Ideal Accounts and Appetite This program fits mid-to-small private companies and non-profit organizations across a broad set of industries. Typical accounts include: Professional services firms and small-to-mid sized offices (10–250 employees) Healthcare support services, nonprofits and associations Hospitality, retail and franchise operations with multiple locations The appetite favors insureds with formal HR practices, written policies, and reasonable employment procedures. Higher risk targets (for example, employers with frequent prior employment-related claims or complex class-action wage-and-hour exposures) should be submitted with full details for consideration and may be subject to sub-limits or declination. Coverage Strengths and Advantages - Third-party wrongful acts coverage and a wage-and-hour option provide flexibility when clients need broader protection. - The program’s expanded employee definition helps cover exposures often missed by narrower forms (leased employees, contractors, interns). - Endorsements for immigration-related allegations and access to national advocacy counsel enhance claim response when issues arise. - A toll-free hotline gives insureds quick access to advice that can reduce loss frequency and improve claim outcomes. Underwriting Notes and Minimums Submission is quick: a two-page application and paperless process. Minimum premium and retention vary by state, class and limits — the program lists minimum premium as “varies.” Provide complete loss history, employee counts by class/location, and copies of employee handbooks or policies to accelerate review. For accounts with wage-and-hour exposure or prior EPL claims, include details up front to help underwriting evaluate sub-limits or endorsements. Territories and Availability Program Administrator: Rockwood Programs. Underwriters include Houston Sepc. Insurance Group and Imperium Insurance Company. Admitted status: Most Available Markets. This program is available in: AK, AL, AR, AZ, CA, CO, CT, DE, FL, GA, HI, IA, ID, IL, IN, KS, KY, LA, MA, MD, ME, MI, MN, MO, MS, MT, NC, ND, NE, NH, NJ, NM, NV, NY, OH, OK, OR, PA, RI, SC, SD, TN, TX, UT, VA, VT, WA, WI, WV, WY, DC. Why Place EPLI with Rockwood Programs Rockwood combines a focused program administrator approach with admitted market access and nationally-recognized defense counsel that specializes in employment claims. The streamlined application and paperless workflow help you move accounts from submission to bind quickly. The program’s flexible limits, available endorsements, and employment advocacy services make it a practical choice for agents placing a wide cross-section of employer accounts. Example Accounts You Might Place - A 75-employee professional services firm with established HR policies seeking limits of $1,000,000 and a modest retention. - A regional retail chain with multiple locations that wants expanded employee definitions and third-party coverage added to their package. Frequently Asked Questions What types of accounts are a good fit for Rockwood’s EPLI program?Small-to-mid sized employers and nonprofit organizations with documented HR practices are the primary targets. The program is designed for accounts that need admitted-market placement, flexible limits ($250k–$5M), and optional wage-and-hour coverage (subject to sub-limits). What does the submission process require?Rockwood uses a two-page application and a paperless submission workflow. Include employee counts, loss runs, and core HR policies or handbooks to speed underwriting. Detailed histories are needed for accounts with prior EPL claims or wage-and-hour exposure. Is third-party wrongful acts and wage-and-hour coverage included?Third-party wrongful acts coverage is available. Wage-and-hour coverage can be offered subject to a sub-limit. Specific availability and sub-limit sizes are determined by underwriting and state filing requirements. Which states and markets are supported?The program is available in most states (see storefront for the full list). Rockwood places business with admitted carriers including Houston Sepc. Insurance Group and Imperium Insurance Company depending on territory and risk profile. Are there service resources for policyholders during a claim?Yes. The program offers advocacy claims defense through nationally recognized legal experts and a toll-free hotline available to Rockwood policyholders for early claim guidance and loss mitigation. Need help placing an account? Connect with a market specialist.

Gateway Specialty Insurance is a wholesale broker focused on placing insurance for nonprofits and social service organizations. As a Berkshire Hathaway company, we concentrate exclusively on this sector to deliver tailored coverage and underwriting expertise that match the unusual risks nonprofits face. Overview of the Program from Gateway Specialty Insurance The Nonprofit and Social Services Insurance Program is built for retail agents and brokers who place nonprofit business. Whether you have a few nonprofit clients or manage a larger book of social service risks, Gateway Specialty gives you access to stable, A++ rated carriers with admitted and non-admitted options. For qualified submissions we typically provide same-day or next-day quotes, and you do not need an appointment or minimum volume to get started. Ideal Accounts and Appetite The program fits a broad range of nonprofit and human services organizations, including: Community outreach programs Substance abuse and mental health services Domestic violence and emergency shelters Job training and workforce development centers Youth mentoring and after-school programs Food banks, meal delivery, and pantry operations You might have a client that runs a small counseling clinic or a regional food pantry — both are well within our appetite. We also consider accounts with social service components that require specialized underwriting due to higher exposure or program complexity. Coverage Highlights and Advantages Gateway’s package options can be tailored to include combinations of: General Liability Professional Liability Abuse and Molestation coverage Directors & Officers (D&O) Property and Inland Marine Workers’ Compensation (where available) Policyholders also gain value through free risk management services such as background checks and an HR hotline, helping clients reduce exposure and manage day-to-day operations. Underwriting Notes and Minimum Premiums We work with top carriers including USLI, CapSpecialty, and Alliance of Nonprofits for Insurance. Our underwriters understand nonprofit operations and common loss drivers, which helps accelerate quoting and binding for routine accounts. Gateway aims to be flexible on premium size and does not require a specific appointment or minimum premium to submit business. For accounts with elevated risk or complex programs, underwriters may request additional information or tailored terms. Territories and Availability This program is available in nearly all states, including AL, AZ, AR, CA, CO, CT, DE, FL, GA, HI, ID, IL, IN, IA, KS, KY, 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, WI, and WY. Why Work with Gateway Specialty Insurance? Focusing exclusively on nonprofits and social services gives Gateway deep underwriting knowledge and streamlined placement processes. Agents and brokers benefit from: Fast, flexible quoting with A++ rated carriers Admitted and non-admitted market options Dedicated underwriting and program expertise for nonprofits No appointment or volume commitment required Access to free policyholder tools (background checks, HR hotline, etc.) To learn more or get started, visit www.gatewayspecialty.com or call 877-977-4474. Frequently Asked Questions What types of accounts are a good fit for this program?This program is ideal for nonprofits and social service organizations such as counseling centers, food banks, youth programs, shelters, and job training services. Do I need an appointment to submit business?No appointment or premium commitment is required to submit and bind business through Gateway Specialty Insurance. Are both admitted and non-admitted markets available?Yes, we offer both admitted and non-admitted options through top-rated carriers, depending on the state and the risk profile. What value-added services are included for policyholders?Policyholders receive access to free resources such as background checks and a human resources hotline to support daily operations and compliance. How quickly can I get a quote?For qualified accounts, we can typically provide same-day or next-day quotes. Need help placing an account? Connect with a market specialist.

Overview — IPMG Nursing Home Insurance and Risk Management IPMG provides dedicated Nursing Home Insurance and Risk Management solutions for senior care providers. We combine program underwriting (including acting as Managing General Underwriters for select programs) with wholesale brokerage and hands-on risk management designed specifically for nursing homes, assisted and independent living, CCRCs, home health agencies and adult day care providers. Our Healthcare division focuses on the senior care market and manages specialty liability programs such as Trinity Risk Solutions RRG (for not-for-profit providers) and New York Healthcare RRG (open to all ownership types). IPMG also places primary and excess P&C coverages, including workers’ compensation, through multiple markets and RRG capacity. Ideal Accounts and Appetite This program is tailored for licensed senior care operators where clinical protocols, regulated operations and staff training are central to controlling liability—and where active risk management will materially reduce exposures. Typical fits include: Skilled nursing/nursing homes (licensed) Assisted living and independent living communities Continuing care retirement communities (CCRCs) Home health providers and adult day care centers Accounts with established management, good licensure history and a commitment to documented clinical processes and staff training are the best fits. For higher-risk specialty operations (for example unlicensed programs or clinical models outside traditional senior care), please discuss specifics with underwriting before submission. Coverage Highlights and Advantages IPMG’s program offers access to multiple liability markets and RRG capacity with a focus on practical loss control. Key advantages for agents and their clients include: Program access to Trinity Risk Solutions RRG and New York Healthcare RRG Wholesale brokerage for primary and excess P&C placements, including workers’ compensation Integrated risk management services that help reduce severity and frequency of claims 24-hour risk management hotline and online incident reporting Risk Management Services IPMG’s in-house risk management team includes former Directors of Nursing and clinical professionals such as physical therapists. Their services are designed to improve care quality, protect employees and help manage insurance costs. Regulatory compliance assistance Accident investigation training and incident investigation assistance 24-Hour risk management hotline and online incident reporting Mock surveys, plan of correction assistance and clinical case reviews Employee programs: limited lift programs, essential functions testing, drug testing and background check policies Supervisors/leadership development and wellness consulting Underwriting Notes and Minimum Premium Submissions should include completed applications, recent loss runs and proof of licensure. This program typically requires a minimum annual premium of $10,000. Because IPMG places business into both RRG and non-admitted markets, terms and attachment points will depend on account profile and desired structure. Territories and Availability Available in the following states: 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. Coverage may be placed in admitted or non-admitted markets depending on carrier and program structure; consult underwriting for state-specific placement guidance. Why Work With IPMG on Senior Care Business Agents choose IPMG because we combine program access (including RRGs), wholesale brokerage relationships and clinical-focused risk management. Our team’s senior care experience helps translate clinical improvements into measurable reductions in exposure, which supports better pricing and placement options. Example Placement Scenarios You might have a client who is a 75-bed not-for-profit nursing home with stable management and a strong incident reporting program—this is a natural fit for Trinity Risk Solutions RRG capacity. Or you may represent a small assisted living operator seeking primary liability and workers’ compensation where IPMG’s wholesale markets and risk management services can be bundled to improve terms. WE'VE GOT YOU COVERED! Frequently Asked Questions What types of senior care accounts are the best fit for IPMG’s Nursing Home program?Licensed nursing homes, assisted and independent living communities, CCRCs, home health agencies and adult day care providers with documented clinical processes and experienced management are the best fits. Not-for-profit providers may be eligible for Trinity Risk Solutions RRG capacity. What submissions does underwriting typically require?Underwriters generally expect a completed application, recent loss runs, proof of licensure, and information on risk management practices. Specific requirements vary by market and program—contact IPMG underwriting for a targeted checklist. Is risk management included with placements through IPMG?IPMG provides dedicated risk management services—clinical reviews, mock surveys, hotline support and training—which are integral to our senior care solutions and can be offered as part of the placement or as a separate service to help reduce exposures. Need help placing an account? Connect with a market specialist.

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.

Attorneys Advantage Professional Liability Insurance Program The Attorneys Advantage program, administered by Affinity Specialty Program Network (ASPN), delivers professional liability (malpractice) insurance specifically for law firms with 1 to 50 attorneys. Backed by more than a decade of underwriting experience and strategic carrier relationships—including Liberty Insurance Underwriters Inc. (a Liberty Mutual company) and SPARTA Insurance Company—this program has placed coverage for over 21,000 attorneys nationwide. Overview for Agents and Brokers Attorneys Advantage is built for agents who need a reliable, straightforward market for lawyers and law firms. The program combines online submission and purchasing for qualifying accounts with hands-on underwriting for more complex risks. ASPN also accesses alternative market solutions when standard placement is difficult, giving you options for clients with prior claims or niche practices. Ideal Accounts and Appetite Attorneys Advantage fits a wide range of law practices, particularly: Solo practitioners and small to mid-sized firms (up to 50 attorneys) General practice and common specialty areas with established risk-management processes Firms seeking competitive rates and practical coverage wording Hard-to-place firms that may be eligible through ASPN’s alternative market placements Appetite is broad but focused on firms that maintain professional controls and file-handling procedures. Extremely high-exposure specialties or firms with ongoing, large indemnity histories should be submitted for review—ASPN can often identify a standard or alternative route rather than a hard declination. Coverage Highlights and Advantages Professional liability coverage available across the United States Underwritten by Liberty Insurance Underwriters Inc. or SPARTA Insurance Company, with alternative-market access for difficult risks Online application and bind options for eligible accounts to speed placement Competitive rates, flexible limits, and tailored coverage structures for firm size and practice mix Dedicated legal-liability underwriting and servicing team for responsive support ASPN complements coverage with proactive risk-management services designed to reduce claims frequency and severity. Risk Management and Value-Added Services Policyholders receive several practical resources: The Quarter Hour – a quarterly risk-management newsletter for policyholders Confidential risk-management hotline for claim avoidance consultation Access to the Attorneys Risk Management Resources Website, managed by Hinshaw & Culbertson LLP Periodic risk-management seminars and materials focused on claim prevention These services help insured firms tighten procedures, reduce exposure, and demonstrate sound risk controls to underwriters. Additional Coverages Attorneys Advantage also places related coverages commonly needed by law firms: Business Owners Policy (BOP): Property and liability protection for offices, equipment, client files, and law libraries Workers’ Compensation: Available for new and existing firms with streamlined billing and quick turnarounds Employment Practices Liability: Defense and indemnity for employment-related claims Underwriting Notes and Minimum Premiums Minimum premiums vary by firm size, state, and risk profile. ASPN works with agents to evaluate submissions and determine whether an account fits a standard carrier or requires alternative-market placement. Provide detailed exposure information, claims history, and risk-management documentation to accelerate review. Territories and Availability Attorneys Advantage is available in all 50 states and Washington, DC. Coverage may be placed on a non-admitted basis depending on the carrier and state regulations. Why Place Legal Professional Liability with ASPN ASPN specializes in legal-professional programs and combines deep sector knowledge with access to primary and alternative markets. You’ll get responsive underwriting, risk-management tools for your clients, and the flexibility to place both routine and challenging accounts. Whether you need a quick, online bind for a qualifying solo practitioner or a tailored placement for a firm with prior claims, ASPN offers practical solutions and service to help you close the business. Example accounts A single-attorney general-practice firm seeking an affordable primary malpractice policy and online bind capability. A 15-attorney mid-sized firm with a prior small claim but solid risk-management programs — submitted to ASPN for standard or alternative placement. Insurance license information Frequently Asked Questions What types of law firms are eligible for the Attorneys Advantage program?The program is designed for law firms with 1 to 50 attorneys, including solo practitioners and mid-sized practices. Firms with complex or hard-to-place exposures may also be eligible through ASPN's alternative markets. Is the Attorneys Advantage program available in all states?Yes, the program is available in all 50 states and Washington, DC. Coverage may be placed through different carriers depending on state-specific guidelines. What carriers underwrite coverage for this program?Coverage is underwritten by Liberty Insurance Underwriters Inc. (a Liberty Mutual company) or SPARTA Insurance Company. Alternative markets are also available for more difficult risks. Does the program include risk management support?Yes, policyholders receive access to newsletters, risk management seminars, a confidential hotline, and a dedicated online resource center for legal professionals. Can I access other coverages through ASPN for my legal clients?Yes, ASPN also provides access to Business Owners Policies, Employment Practices Liability, and Workers’ Compensation tailored for law firms. Need help placing an account? Connect with a market specialist.

No matter how well your insureds manage the workplace, employment-related claims can still arise—and defending them can be expensive. Professional Liability Insurance Services, Inc.® (PLIS) offers the ESI – Employment Practices Liability Insurance program to help agents place EPLI for clients across industries and company sizes. The program combines broad coverage, flexible underwriting, and fast turnaround supported by experienced underwriters and risk management partners. Ideal Accounts and Appetite The ESI-EPLI program is designed for employers of all sizes—from small local operations to large multi-state companies. It fits clients across industries including tech, healthcare, manufacturing, retail, and professional services. The program is particularly useful for employers with: Employees in multiple states with differing compliance requirements Concerns about wrongful termination, discrimination, or harassment claims Exposure from prior acts or recent downsizing/reorganization Need for EEOC administrative defense coverage and real-time HR/legal support Coverage Highlights and Advantages Underwritten by Certain Underwriters at Lloyd’s (A.M. Best rated A), ESI-EPLI provides robust core protection plus value-added services: First-dollar coverage for EEOC administrative proceedings (up to $2,500) before the deductible applies Up to 50% deductible reduction available Prior-acts coverage with a premium discount for inception coverage Optional third-party liability (discount available if excluded) Coverage for FMLA, EPA, WARN Act, USERRA, and reorganization/downsizing exposures where insurable Broad definitions for discrimination, harassment, and inappropriate conduct Punitive, exemplary, and liquidated damages covered where insurable Oral or written complaints accepted under broad reporting language Claims-made-and-reported form with duty-to-defend and policy-paid defense on behalf of the insured Limits available up to $5M/$10M, with optional defense outside the limits for an additional premium Risk Management Services PLIS partners with Specialty Risk Management® (SRM®) to deliver complimentary and pay-for services that reduce claims frequency and severity: Free handbook and policy review or sample policies Free unlimited access to a 1-800 hotline for immediate HR and legal guidance Additional services such as on-site investigations, train-the-trainer, and supervisor training available for a nominal fee Underwriting Notes and Minimum Premiums There is no set minimum premium, so the program is accessible for small and midsize accounts as well as larger employers. Most submissions receive a 24–48 hour indication; agents can begin with a one-page short-form worksheet for a non-binding quote. Original documentation is not required at submission, and premium financing is available. Territories and Availability ESI-EPLI is available nationwide—licensed in all 50 states and Washington, D.C.—and is placed on a non-admitted basis through Lloyd’s of London. PLIS works with agents to address surplus lines compliance and filing requirements where applicable. Why Work With PLIS on EPLI? PLIS specializes in professional and management liability products with hands-on underwriting support—real people who help you place business quickly. The firm combines competitive pricing, flexible terms, and Lloyd’s capacity to handle complex or multi-state exposures. Agents benefit from fast turnaround, risk-management resources, and an underwriting team familiar with employment liability nuances. Frequently Asked Questions What types of accounts are a good fit for the ESI-EPLI program?Any size employer across industries can qualify. The program is especially well suited for multi-state employers, organizations facing organizational change, or companies with prior acts exposure. Is prior acts coverage available?Yes. Prior acts coverage is available and a premium discount may apply when adding inception/prior-acts protection. Can small businesses qualify?Yes. There is no fixed minimum premium requirement, making the program accessible to smaller employers as well as larger accounts. What risk-management support do insureds receive?Insureds receive free access to a 1-800 HR/legal hotline and a complimentary handbook or policy review. Additional training and on-site services are available for a fee. How quickly can I get an indication?Most submissions receive a 24–48 hour turnaround. Agents can submit a one-page short-form worksheet for a non-binding indication without original documentation up front. Need help placing an account? Connect with a market specialist.