Employment Practices Liability Insurance
CoverX provides access to the market of choice for medium to small EPLI risks with under 1,200 employees. Our main focus includes the following industry classes:
• Retail
  Targeted business: auto dealers, retail clothing stores, miscellaneous retail stores, supermarkets
• Hospitality
  Targeted business: restaurants, fast food franchise business, hotels, resorts, property management companies
  Enhancements: separate franchise program policy (EPL/D&O/fiduciary policy)
• Alternative Staffing
  Targeted business: professional employer organizations, temporary staffing firms and other alternative staffing organizations
  Enhancements: separate policy form. Provides defense coverage to temp firm client companies and defense and indemnity
  to PEO client companies
• Professional Firms
  Targeted classes: law firms, accounting firms, consultants and other professional entities
  Enhancements: partners defined as insureds. Ability to self-defend for non-litigated covered claims

In addition, manufacturing, public/municipality, associations and other hard-to-place risks will be entertained.

We have the ability to offer both primary and excess capacity with attachments as low as $5,000 ($10,000 in California).

Coverage Highlights:
• Claims-made and reported form
• Duty to defend
• Coverage for prejudgment and postjudgment interest
• Circumstance reporting
• Broad coverage for the company, its employees and third-party customers
• Enhanced definition of wrongful employment practices
• Sublimit for wage and hour defense up to $100,000
• Sublimit for illegal alien investigation defense up to $25,000
• Crisis management endorsement available—providing limited coverage for:
  - Relocation costs
  - Identity theft
  - Workplace violence
  - Kidnapping incidents

CoverX additionally offers its EPLI insureds risk management support services through a leading national labor and employment law firm. These risk management services include access to a 1-800 employee hotline, as well as HR consultation and an opportunity to create more tailored services for individual account needs.

CoverX has the ability to combine EPLI coverage with directors and officers coverage to private companies and not-for-profits. Separate or combined limits may be offered.

Download our Employment Practices Liability application