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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.

Employment Practices Liability Insurance — OnPoint Underwriting OnPoint Underwriting’s Employment Practices Liability Insurance (EPLI) program helps agents place comprehensive protection for employers facing employment-related claims. This program is offered through OnPoint as a program administrator and provides coverage for alleged discrimination, wrongful termination, sexual harassment, retaliation, and other employment practices claims brought by current, former, or prospective employees. It also includes important ancillary protections—such as third-party liability and cyber coverage for unauthorized access to employee information—that many competitors do not bundle as standard. Overview — what this program does for your clients Designed for small and mid-size employers, the program provides primary defense expense and liability protection to manage legal costs and settlements arising from employment disputes. Coverage highlights include a $1,000,000 expense/limit framework, wage-and-hour sublimits, workplace incident funding, and access to workplace resources to help reduce claim frequency and severity. Coverage highlights and advantages $1,000,000 expense coverage $100,000 sublimit for wage and hour exposures Third-party liability coverage for harassment or discrimination claims by non-employees Cyber liability for unauthorized access to employee information (limited cyber protection focused on employee data) $100,000 workplace incident fund sublimit to help with immediate incident-related costs Access to Workplace Helpline LLC resources available to all insureds to assist with HR issues and risk mitigation Placement capacity through various carriers to provide flexible admitted and non-admitted options Ideal accounts and appetite This EPLI program is a strong fit for: Small to mid-size employers across professional services, healthcare offices, technology firms, hospitality and retail operations, staffing agencies, and non-profits Employers with formal HR practices, written policies, and basic training programs Organizations seeking bundled protection that includes third-party and limited cyber exposure tied to employee data Accounts that typically do not fit are those with active class-action suits, systemic employment practice deficiencies, or extensive prior EPL claim histories without remediation. Underwriting notes and minimum premiums Underwriters will look for core submission elements: up-to-date employee handbooks and policies, payroll estimates, loss runs, and descriptions of HR procedures and training. There is no stated minimum premium for this program, but final pricing depends on class, payroll, claims history, limits, and selected deductible. Territories and admitted status Availability: All Available Markets. The program is offered in the following states and districts — 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. OnPoint can place admitted or non-admitted business as appropriate to the risk and carrier appetite. Why place this business with OnPoint Underwriting? OnPoint combines program-level limits and specific sublimits with practical risk management resources (Workplace Helpline) and access to multiple carriers, giving you flexibility at submission and stronger placement options for employers who want tailored EPL protection. Underwriters are responsive to reasonable underwriting submissions and prioritize accounts with documented HR controls and loss prevention efforts. Example scenarios You might place a 75-employee technology firm that needs EPL coverage plus protection for employee data in HR systems, or a regional restaurant group seeking wage & hour coverage and a workplace incident fund to respond quickly to an allegation. Both would benefit from the program’s bundled features and access to HR support resources. For additional information on OnPoint Underwriting's Employment Practices Liability Insurance program, please contact Leaticia Roberts @ (404) 460-1372 or [email protected] or visit our website at www.onpointunderwriting.com. Frequently Asked Questions What types of accounts are a good fit for this EPLI program?Small to mid-size employers with formal HR practices and documented policies—professional services, healthcare clinics, technology firms, retail and hospitality operations, staffing firms, and non-profits—are a good fit. OnPoint prefers accounts that show active loss prevention and training. What are the key limits and sublimits I should know about?The program provides primary expense coverage up to $1,000,000 with a $100,000 sublimit for wage-and-hour exposures and a $100,000 workplace incident fund sublimit. It also includes third-party liability and limited cyber coverage for unauthorized access to employee information. Are there minimum premium or territory restrictions?There is no stated minimum premium for the program. The program is available in all listed states and districts; OnPoint will place business admitted or non-admitted depending on carrier availability and the specific risk. What do underwriters want on submission and how quickly can I expect a decision?Provide current loss runs, payroll, employee counts, copies of employee handbooks/policies, and a summary of HR practices and training. Turnaround varies by carrier and complexity, but comprehensive submissions that address these items receive faster underwriting responses. Need help placing an account? Connect with a market specialist.

It takes time, resources, and dedication to build a product and establish a brand name. Protecting that brand is critical—especially when a product recall can threaten years of hard work. Even a seemingly minor issue can have significant financial and reputational consequences. That's why forward-thinking companies are turning to Products Recall Insurance to mitigate risk and manage crises effectively. Product Recall Insurance from Russell Bond & Co., Inc. Russell Bond & Co., Inc., a trusted Managing General Agency, offers specialized Products Recall Insurance solutions designed to help businesses navigate the complex and costly process of a recall. With markets available in most states and options for admitted coverage in select jurisdictions, this program supports agents and brokers seeking to place coverage for manufacturers, distributors, and importers across a variety of industries. Target Accounts and Ideal Industries This program is suitable for a wide range of industries where product safety and integrity are critical. Ideal insureds include: • Consumer goods manufacturers (children’s products, appliances, electronics, apparel) • Component part suppliers (automotive, medical devices, aerospace, general manufacturing) • Producers of consumable goods (food, beverages, cosmetics, pharmaceuticals) If you work with clients who rely on safe, dependable goods to maintain market position and consumer trust, this program is an excellent fit. Coverage Highlights The Products Recall program offers comprehensive protection, including: Base Coverage Includes: • Defense Costs • Recall Costs • Consultant Costs, including: o Recall Plan Preparation o Recall Procedure Testing o Pre-Incident Training Three Policy Types to Fit Specific Risk Profiles Russell Bond offers three distinct policy forms depending on the insured’s industry and exposure: Consumer Goods • Covers product defects that may result in bodily injury (BI) or physical damage (PD). Targeted toward finished goods like toys, appliances, furniture, and electronics. Component Parts • Designed for parts used in manufacturing, medical, automotive, and aviation sectors. Covers risks like imminent danger of BI/PD, impaired property, or actual BI/PD from product use. Consumable Products • Protects against accidental contamination and malicious tampering in products such as food, beverages, cosmetics, and pharmaceuticals. Post-incident services are also included, such as public relations support, regulatory consultation, and forensic investigation into the root cause of the incident. These services help insureds recover quickly and maintain consumer confidence. Don’t Let One Incident Tarnish What Took Years to Build A Products Recall Insurance policy from Russell Bond & Co., Inc. equips your clients with the tools to respond quickly and effectively to product crises. This coverage reinforces their commitment to product safety and brand integrity—key elements for long-term success. Territories and Availability This program is available in most U.S. states, including but not limited to NY, CA, TX, FL, IL, and NJ. Admitted options are available in select states. Check with Russell Bond for specific state eligibility and underwriting requirements. Why Partner with Russell Bond & Co., Inc.? As a Managing General Agency with deep product knowledge and market access, Russell Bond & Co., Inc. provides independent agents and brokers with tailored solutions and responsive service. Their expertise in specialty lines like Products Recall Insurance ensures that you can confidently place even complex accounts with unique exposures. Frequently Asked Questions What types of accounts are a good fit for this program?This program is ideal for manufacturers, distributors, or importers of consumer goods, component parts, or consumable products that face risks associated with product recalls. What kinds of incidents are covered under these policies?Depending on the policy type, coverage may include bodily injury, physical damage, accidental contamination, malicious tampering, and regulatory recall events. Are post-recall services like public relations included?Yes, the policy provides post-incident support such as public relations services, regulatory assistance, and forensic analysis to help manage and recover from a recall event. Is coverage available in my state?The program is available in most U.S. states, with admitted options in select areas. Contact Russell Bond & Co., Inc. for state-specific availability. How can I get a quote or submit a risk?Reach out to Russell Bond's team for submission details. They offer responsive service and underwriting expertise to help you place qualified risks efficiently. Need help placing an account? Connect with a market specialist.

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