AI Risk

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AI Risk

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Employment Practices Liability

Overview of the Program From AI Risk:

AI Risk is a Managing General Agency and carrier offering a focused Employment Practices Liability Insurance (EPLI) program to help agents and brokers place small- and mid-size employer accounts. Underwritten with access to AIG as the carrier, this program delivers competitive limits and flexible pricing for employers with up to 250 employees. Coverage is offered in nearly all U.S. states (program exclusions apply), with admitted and non-admitted options depending on state and risk characteristics.

Ideal Accounts and Appetite:

This EPLI program is designed for a broad mix of private and public-sector employers. Typical target classes include:

Hospitality — restaurants, fast-food franchises, motels, and hotels
Franchise groups — retail and service franchisors/franchisees
Auto dealerships
Professional services — law firms, accounting firms, consultants
Design and construction professionals
Associations, trade organizations, and municipalities
Public entities and government-related groups

You might place a 100-employee restaurant franchise or a regional design/construction firm on this program — both are representative fits. Appetite focuses on accounts up to 250 employees; complex enterprise exposures or large national multi-state operations may not be a fit here.

Coverage Highlights and Advantages:

AI Risk’s EPLI program responds to a wide range of employment-related claims, including:

Wrongful termination
Discrimination (race, gender, age, etc.)
Sexual harassment
Retaliation
Workplace torts such as defamation or emotional distress

Backed by AIG, the program combines experienced claims handling with underwriting flexibility, making it suitable for employers in industries with frequent employee interactions and franchise operations.

Underwriting Notes and Minimum Premiums:

Underwriting emphasizes employer size, industry class, and the employer’s employment practices exposures. Minimum premiums vary by limit and state:

$250,000 limit: $2,500
$500,000 limit: $3,150
$1,000,000 limit: $4,150 (California: $6,150)

Coverage is generally available for accounts with up to 250 employees. The program is not available in Texas; consult underwriting for other state-specific requirements and admitted vs. non-admitted placement options.

Territories and Availability:

The program is available in most U.S. states (see underwriting for admitted vs. non-admitted options by state). AI Risk can place business in many major markets — including CA, FL, NY, IL, PA, GA, and WA — and will confirm availability during submission.

Why Work With AI Risk on This Business:

AI Risk combines MGA expertise with carrier-level capabilities to streamline placement and provide consistent service to brokers. Key advantages for agents and brokers include direct underwriting expertise in EPL exposures, access to AIG’s financial strength and claims resources, and appetite for a wide range of small- to mid-sized employers. Whether you have a franchise group, a municipality, or a professional services firm, AI Risk’s EPLI program offers practical, market-ready solutions to manage employment-related risks.

Frequently Asked Questions

What types of accounts are a good fit for this EPLI program?

This program works well for employers with up to 250 employees, including hospitality, franchise operations, auto dealerships, municipalities, trade associations, and professional service firms.

Is this program available in all states?

Coverage is available in most U.S. states; however, the program is not available in Texas. Admitted versus non-admitted placement depends on state rules and the individual risk.

What is the minimum premium for this coverage?

Minimum premiums start at $2,500 for a $250,000 limit. Higher limits are offered with corresponding minimums — see the underwriting notes for details.

What carrier backs this program?

The program is backed by AIG, providing established financial strength and experienced claims handling for employment practices matters.

Can public entities or municipalities be covered under this program?

Yes. Public entities and municipalities are within the program’s appetite, subject to underwriting review and approval.

Need help placing an account? Connect with a market specialist.

U.S. States Available

U.S. States Available:

Provider Type:

Managing General Agency and Carrier

Admitted:

All Available States

Carriers:

Carrier Ratings:

A.M. Best A XI rated

Commission:

Varies

Min Premium:

-

Coverages:

Architects and Engineers Errors and Omissions and Professional Liability Insurance Attorneys EPLi Insurance Burglar, Fire Alarm and Safety Equipment Company Liability Insurance Dentists, Specialists and Oral Surgeons/Employment Practices Liability Insurance Employment Practices Liability Oil Program Insurance Employment Practices Liability Recycle Program Insurance Employment Practices/Community Banks Insurance Hospitality Industry EPLi Insurance PEO/Employee Leasing EPLi Insurance Professional Liability and Employment Practices Liability Insurance

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Employment Practices Liability

Frequently Asked Questions

What types of accounts are a good fit for this EPLI program?

Is this program available in all states?

What is the minimum premium for this coverage?

What carrier backs this program?

Can public entities or municipalities be covered under this program?

U.S. States Available