Employment Practices Liability Insurance

Program Advantages

• A+ Rated Carrier
• Available coverage limits of $250,000, $500,000 and $1M
• Deductibles as low as $5,000
• Full “Prior Acts” coverage is included for accounts with prior EPLI coverage
• HR Pilot Services is provided free of charge to IIABCal members. For more information, click here.
• Free access to HR Pilot website (providing sample HB policies, employment law updates, and detailed risk management services)
• Third Party Liability Coverage automatically included (no sublimit)
• Punitive Damages Coverage included (where law allows)
• Claims Made Policy Form
• Terrorism coverage included
• Immigration Coverage – $100,000 sublimit NEW FOR 2025
• Workplace Violence Coverage $25,000 sublimit NEW FOR 2025
• Wage & Hour Coverage Now Available – $100,000 sublimit for defense costs is now INCLUDED in the rates for qualified risks. For more information on Wage & Hour coverage, excluded classes and the supplemental application form, click here. Eligibility is subject to completion of the Wage & Hour Supplemental form and underwriter approval (no backdating of this coverage and the retro date will be policy inception for Wage & Hour Coverage).

High Success Rate Include

• Manufacturing 
• Engineering    
• Contractors             
• Architects, and more 

Application and Policy Forms

• Application (updated for 2025)
• EPLI Policy Form Quick Reference Guide
• Product Comparison Chart
• Policy Form

Endorsement Form

• Specimen Endorsements (updated for 2025)
• Data Privacy Wrongful Act Exclusion Endorsement