Employment Practices Liability Insurance from Trivedi, Offered by VAIL
VAIL - Value Added Insurance Lines, a trusted wholesale broker, offers a comprehensive Employment Practices Liability Insurance (EPLI) program through Trivedi. This solution is designed specifically for agents and brokers seeking solid EPLI markets for clients in the hospitality industry and other sectors with employee-related liability exposures. With access to Fireman's Fund and other top-rated carriers, this program is available across most U.S. states and offers flexible underwriting tailored to your client’s needs.
Ideal Accounts and Target Classes
This EPLI program is especially well-suited for clients in the hospitality sector, including:
- Hotels and resorts
- Restaurants and food service operations
- Event venues and entertainment establishments
However, VAIL can consider a broad range of industries with similar employment practices liability risks. Ideal accounts include those with full-time, part-time, leased, seasonal, and temporary workers—making this a flexible option for businesses with diverse staffing models.
You might have a restaurant client looking to protect against claims stemming from wrongful termination or harassment. Or a hotel operator with a high seasonal workforce that needs coverage for discrimination and wage disputes. This program is designed to meet those needs.
Coverage Highlights and Advantages
Key features of the Employment Practices Liability Insurance from Trivedi include:
- Primary limits up to $1,000,000
- Deductible options starting as low as $2,500
- Coverage includes full-time, part-time, leased, temporary, and seasonal employees
- Protection for directors, officers, trustees, committee members, and spouses
- Defense for claims of discrimination, harassment, retaliation, negligent supervision, and more
- Duty to defend provisions
- Coverage for both monetary and non-monetary relief
- EEOC or state equivalent proceeding coverage
- Full prior acts coverage
Additional Enhancements
- Illegal alien investigation proceeding coverage (sub-limit)
- Wage and hour (FLSA) coverage (sub-limit)
- Third-party EPLI coverage
Underwriting Approach and Minimum Premiums
VAIL offers a flexible approach to underwriting with no set minimum premium, making this program accessible to a wide range of business sizes. Deductible and limit options allow you to tailor protection to your client’s risk profile and budget.
Availability and Market Access
This program is available in most states, including but not limited to CA, FL, TX, NY, IL, and GA. Whether your client is in a rural town or a major metro area, chances are VAIL can help. Coverage is available through admitted markets in most territories, providing regulatory advantages where applicable.
Why Choose VAIL?
As a wholesale broker with deep expertise in niche markets, VAIL offers more than just access to carriers. You benefit from:
- Experienced underwriters who understand EPLI exposures
- Efficient quote turnaround and responsive service
- Strong market relationships with Fireman's Fund and others
- Support across 48 states plus DC
When you partner with VAIL, you're working with a team that’s focused on delivering value-added solutions that help you win and retain clients.
Frequently Asked Questions
What types of accounts are a good fit for this EPLI program?
This program is ideal for hospitality businesses such as hotels, restaurants, and entertainment venues, as well as other industries with employee-related liability exposures.
Is there a minimum premium requirement?
No, there is no set minimum premium, allowing greater flexibility for smaller or seasonal businesses.
What employee categories are covered under this policy?
The policy covers full-time, part-time, temporary, leased, seasonal employees, as well as directors, officers, trustees, and committee members.
Are wage and hour claims covered?
Yes, wage and hour (FLSA) coverage is available as a sub-limit under this program.
In which states is this program available?
This program is available in most U.S. states, including CA, TX, FL, NY, and IL, among others.
Need help placing an account? Connect with a market specialist.