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...ent Practices Liability Insurance (EPLI) program designed to help retail agent...states is this program available?This EPLI program is available in over 35 sta...

...rofessional Employer Organizations (PEOs), Administrative Services Organizatio...h simplifies placement for multi-state PEOs and ASOs. What is the minimum prem...

...ge of industries and professional groups. Target classes include: Hospita...s of accounts are a good fit for this EPLI program?The program is ideal for bu...

Employment Practices Liability Insurance (EPL) Tennant Risk Services specializes in placing Employment Practices Liability Insurance (EPL) for a wide range of organizations across all 50 states. Whether your client is a small business or a larger organization with more complex exposures, we offer flexible solutions through top-rated carriers. As a Managing General Agency and Excess & Surplus Lines Broker, we provide access to both admitted and non-admitted markets, depending on the risk profile, territory, and size. Tennant Risk Services brings deep expertise in navigating the EPL insurance landscape. Our team delivers fast turnaround, competitive rates, and broad coverage options tailored to meet the needs of your clients. We work with retail agents and brokers to help place tough or unusual risks efficiently and effectively. Ideal Accounts and Appetite Our EPL program is designed to handle both standard and challenging accounts, including those with adverse loss history or unique operational structures. We're particularly strong in writing: Law firms and legal practices Healthcare providers and medical offices Restaurants and hospitality businesses Organizations with independent contractors or temporary staff Franchise operations Businesses undergoing reorganization or restructuring You might have a client with a growing healthcare practice concerned about wrongful termination claims, or a restaurant group that recently faced staff-related allegations—these are the types of accounts we handle every day. Coverage Highlights and Advantages Minimum premiums starting at $1,000 Broad coverage options including third-party and FSLA/Wage & Hour (where available) Risk management services to help reduce the likelihood of claims Customizable plans with a variety of limits and deductibles Access to multiple carriers for flexibility and competitive pricing Sample account scenarios include: Healthcare Office: $1M Limit, $1,250 Premium Technology Services Firm: $1M Limit, $6,000 Premium Law Firm: $1M Limit, $15,000 Premium Sports Bar with Claims History: $500K Limit, $1,950 Premium Underwriting and Minimum Premiums We evaluate each account individually, considering a range of underwriting factors including class of business, prior claims, number of employees, and employment practices in place. Our minimum premium begins at $1,000, and we offer flexibility in program design to meet your client's risk tolerance and budget. Territories and Availability Tennant Risk Services offers EPL coverage in all 50 states, including DC. Coverage is available through both admitted and surplus lines carriers depending on the state, risk class, and size of the account. Why Work With Tennant Risk Services? We support independent agents and brokers with exceptional service, deep expertise, and access to a wide range of markets. Whether you’re placing a simple EPL policy or navigating a tough submission, our team provides the tools and knowledge you need to deliver results for your clients. Reach out to discuss a specific account or to get started with a submission—we’re ready to help. Put our Employment Practices Liability Insurance (EPL) expertise to work for you today. Frequently Asked Questions What types of accounts are a good fit for this EPL program?We specialize in EPL coverage for legal practices, healthcare providers, restaurants, franchises, and businesses using independent contractors or undergoing restructuring. Is coverage available in all states?Yes, we offer Employment Practices Liability Insurance in all 50 states and Washington, DC, through a mix of admitted and non-admitted carriers. What is the minimum premium for this program?Minimum premiums start as low as $1,000, depending on the risk profile and coverage needs. Can you help with accounts that have past EPL claims?Yes, we regularly handle accounts with adverse loss experience and can help you find the right market for these tougher risks. What types of coverage enhancements are available?Enhancements may include third-party liability, FSLA/Wage & Hour, and risk management services, tailored to each account. Need help placing an account? Connect with a market specialist.

The surety team at J.M. Wilson helps independent insurance agents place Fidelity Bonds for their clients. Sample Classes Business Services Employee Dishonesty Commercial Crime Janitorial Services ERISA Financial Institution Comprehensive Fidelity Bond Solutions for Your Clients J.M. Wilson offers a broad Fidelity Bond program tailored to independent agents placing commercial accounts. Whether you need a basic employee dishonesty bond, a contract-required third-party fidelity bond for a janitorial firm, or ERISA coverage for a plan fiduciary, our surety team provides responsive underwriting and access to both standard and specialty markets. Target Classes and Ideal Accounts This program is designed for commercial clients exposed to employee dishonesty, theft, or fraud. Typical fits include: Business service firms with access to client property or funds Janitorial and cleaning companies requiring third-party fidelity coverage for contracts Employers and plan administrators needing ERISA fidelity bonds Financial institutions requiring specialized fidelity protections Commercial operations concerned about internal employee theft or fraud Example scenarios: you might place a fidelity bond for a small bookkeeping firm that handles client funds, or a janitorial contractor that must meet a municipality’s third-party fidelity requirement to win a contract. Program Highlights and Advantages Working with J.M. Wilson on Fidelity Bonds gives agents these advantages: Competitive pricing within the relevant markets Fast quote turnaround to help you move business quickly 24–48 hour response on new submissions in most cases Appetite for difficult-to-place risks and niche exposures Access to both admitted and non-admitted carriers We accept submissions from other surety markets for competitive review All represented surety carriers are rated “A” or better Underwriting Considerations Each submission is reviewed on its individual merits. Our markets consider new ventures, varied payroll sizes, and accounts with specific contractual bonding requirements. Common underwriting factors include the employer’s controls and background screening, prior losses, the nature of employee access to funds or property, and the requested limits and terms. If you have a submission currently placed with another surety, we welcome those applications for comparison and potential placement with our markets. States Available This Fidelity Bond program is available to licensed agents in the following states: AL, AR, FL, GA, IL, IN, IA, KS, KY, MI, MS, MO, NE, NC, OH, OK, PA, SC, TN, VA, WV, and WI. Why Work with J.M. Wilson? As a Managing General Agency and Excess & Surplus Lines Broker, J.M. Wilson combines deep surety expertise with established carrier relationships. Our team focuses on quick, practical solutions for both standard and hard-to-place fidelity exposures. When you work with us, you get a dedicated surety team that understands agent needs, expedites submissions, and pursues competitive market options. Frequently Asked Questions What types of accounts are a good fit for J.M. Wilson's Fidelity Bond program?Good fits include business services, janitorial companies that need third-party coverage, financial institutions, ERISA plan fiduciaries, and any commercial entity seeking protection from employee dishonesty or theft. Can J.M. Wilson help with hard-to-place or unusual bond requests?Yes. We have appetite for difficult-to-place accounts and access to both standard and specialty carriers to handle unique bonding needs. How quickly can I expect a response on a new submission?We typically respond within 24 to 48 hours on new account submissions, though response time can vary with complexity and requested documentation. Are your carriers admitted or non-admitted?We represent a mix of admitted and non-admitted carriers, allowing flexible placement options based on the account’s requirements. In which states is this Fidelity Bond program available?This program is available in AL, AR, FL, GA, IL, IN, IA, KS, KY, MI, MS, MO, NE, NC, OH, OK, PA, SC, TN, VA, WV, and WI. Need help placing an account? Connect with a market specialist.

...ofit organizations and membership groups Employers going through reorganiz...s of accounts are a good fit for this EPLI program?Private employers and non-p...

... hire and placement services, ASOs, PEOs, VMS providers, HR consultancies and ...direct hire and placement firms, ASOs, PEOs, VMS providers and HR consultants....