Employment Practices Liability (EPL)

Product Features

• A.M. Best Rated “A-” or better companies
• Minimum premiums start at $750
• Retentions start at $1,000
• Duty to defend
• Broad definition of wrongful employment act

Optional Coverages Include (among others):

• Defense expenses outside limits
• Defense expenses wage & hour
• Full prior acts
• Coverage for independent contractors
• 3-year policies
• Third party discrimination
• Workplace violence

Quoting with Griffin

• Online quotes are quick and easy
• For risks with over 10 employees, submitting a complete application allows us to test our other markets for a more competitive quote
• Written as a standalone policy; or packaged with D&O, Crime, or Cyber Liability

Why Buy Employment Practices Liability Insurance?

Over 40% of Employment Practices Liability claims are brought against private employers with fewer than 100 employees
47% of plaintiff verdicts are between $100,000 and $500,000
Employment Practices Liability provides protection against:

• Discrimination and harassment
• Wrongful termination
• Wrongful infliction of emotional distress
• Wrongful discipline
• Negligent evaluation
• Mismanagement of employee benefit plans
• Failure to employ or promote
• Defense expense for wage and hour claims

Eligible Risks

• Construction
• Bars & Restaurants
• Hospitality
• Retail
• Manufacturing
• Municipality
• Entertainment
• Law Firms
• Social Services
• ...and MORE!

*Coverage may not be available for all accounts or in all states

*Applications will apply to most markets but in certain circumstances additional applications may be needed

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