Employment Practices Liability Insurance

Employment Practices Liability Insurance (EPLI) provided defense and indemnity protection against claims arising from the employer/ employee relationship. The policy shields employers- plus all current, former and prospective employees, directors and officers, even the corporate entity- against a broad spectrum of employment-related claims.

EPLI Program Features (certain restrictions may apply)

  • Coverage for Third Party Wrongful acts available
  • Coverage territory expanded to include claims brought anywhere in the world
  • Wage and Hour coverage available (subject to sub-limit)
  • Multiple liability limit options – up to $2,000,000/ $2,000,000 available
  • “Soft Hammer” wording with a 75/25 Insured/ Insurer split
  • Full Prior Acts available
  • Coverage for alleged violations of the Immigration Reform Control Act provided via endorsement at no cost to the Insured (subject to $25,000 sub-limit)
  • Prior acts coverage available

Broad Coverage Definitions

  • Definition of “Employee” includes Independent Contractors, Volunteers, and Leased Employees under the direction of the Insured
  • Definition of “Loss” includes compensatory, punitive, and exemplary damages (where allowable by law)

Other Program Features

  • Advocacy claims defense provided by nationally-recognized legal experts
  • Access to risk management hotline available to all policyholders
  • Defense Outside the Limits of Liability available via endorsement

Is your client adequately protected against employment-related claims?

In today’s litigious environment, the protection afforded by Employment Practices Liability Insurance (EPLI) has become more valuable than ever. There is nothing static about a firm’s employment-related liability exposures- they are constantly changing due to technological advances, passage of new laws and the findings of the courts.

Availability

The following states are available on a non-admitted basis.

CA, MA, MN, & NY

 

Rockwood Programs, Inc. is surplus lines licensed in all 50 states. We can handle all surplus lines filings on brokers’ behalf.

We are in the process of filing the EPLI product on an admitted basis.

We are currently admitted in:

AL, AR, AZ, CT,CO, DC, DE, FL, GA, HI, ID, IL, IN, IA, KY, KS, LA, MD, ME, MI, MS, MO, MT, NC, NE, NJ, NH, NM, ND, OH, OR, PA, RI, SC. SD, TN, UT, VT, WV, WI, and WY

Underwriting Staff

Meghan
Bell
(302) 765-6007

Email/States Represented