Introducing our Employment Practices Liability Insurance Program featuring competitive rates, broad coverages, and availability in every state.  

 

      
It is important to stress to your insureds or retail agents that, “You Can Be Sued” for employment matters.  In today’s litigious society, both small and large businesses need to protect themselves by carrying EPLI coverage.

With the market softening somewhat on other lines of coverage, it is a great time to market this “much needed” coverage to clients who have not carried it before or decided to go bare when other insurance premiums increased in the last couple of years.  Our rates are reasonable and our coverage form is strong. 

   

We have underwriting and policy issuance authority and therefore we are able to provide quick turnaround on quotes and policies. You can trust PUA as your market of choice as we have been underwriting EPLI coverage for over a decade.  We underwrite an exclusive program on behalf of Lloyd’s of London, an “A” (Excellent) rated carrier by AM Best.  
   
                           
   

PUA EPLI PROGRAM HIGHLIGHTS:

CARRIER: Lloyd’s of London
(“A" rated by A.M. Best)

MAXIMUM LIMIT: $5MIL

MINIMUM PREMIUM: $2,000

MINIMUM DEDUCTIBLE: $2,500
       
GENERAL APPLICATION        
SHORT FORM APPLICATION FOR INDICATIONS  
GENERAL POLICY FORM  
 

EPL Form Highlights

  • BROAD ARRAY OF COVERED LIABILITIES, INCLUDING VIOLATION OF ANY FEDERAL, STATE, OR LOCAL LAW, INCLUDING COMMON LAW VIOLATIONS PERTAINING TO ANY KIND OF DISCRIMINATION OR HARASSMENT.
  • WE CONSIDER FIRMS WITH ANYWHERE FROM 5 TO OVER 5000 EMPLOYEES.
  • MORE THAN JUST EMPLOYMENT PRACTICES LIABILITY IS COVERED — CLAIMS OF DISCRIMINATION OR HARASSMENT MADE BY THIRD-PARTIES, SUCH   AS CUSTOMERS AND CLIENTS, ARE ALSO COVERED WHETHER BROUGHT UNDER PUBLIC ACCOMMODATION STATUTES OR ANY OTHER THEORY OF LIABILITY.
  • BROAD EMPLOYEE CLAIM COVERAGE INCLUDING FULL-TIME, PART-TIME, SEASONAL, TEMPORARY, AND EVEN CLAIMS BY LEASED WORKERS AND INDEPENDENT CONTRACTORS ARE COVERED.
  • FULL PRIOR ACTS COVERAGE.
  • CLAIMS FOR NON-MONETARY RELIEF COVERED.
  • NO INTENTIONAL ACTS EXCLUSION.
  • NO CLASS ACTION EXCLUSION.
  • NO BODILY INJURY EXCLUSION FOR EPL CLAIMS.
  • NO DOWNSIZING EXCLUSION. 
  • LOSS CONTROL SERVICE PROVIDED AT UNDERWRITERS’ EXPENSE BY A

          NETWORK OF LEADING LABOR LAW FIRMS; LOSS CONTROL INCLUDES     
          CREATION OF FULL POLICIES/PROCEDURES AND TRAINING, IF REQUIRED.

         Explanation   

  • PUNITIVE DAMAGES COVERAGE WHERE ALLOWABLE.  
  • SEPARATE DEFENSE LIMITS AVAILABLE FOR SMALL A.P.
  • WAGE AND HOUR LAW DEFENSE SUB-LIMIT OF $150K AVAILBLE FOR MOST RISKS.
    W&H supplement   





Law Firm EPL

         Lawyers EPL Policy Form   

         Lawyers EPL Application    


PUA also has a specific EPL coverage form for LAW FIRMS and below
are some of the highlights:

  • COVERAGE TAILORED SPECIFICALLY TO THE PARTICULAR EMPLOYMENT      
    PRACTICES AND OTHER DISCRIMINATION EXPOSURES OF LAW FIRMS.

  • FAILURE TO MAKE PARTNER AND PARTNER VS. PARTNER CLAIMS COVERED.
  • COVERAGE EXTENDS TO THE FIRM, AND EVERY PERSON IN THE FIRM, INCLUDING PARTNERS, PRINCIPALS, SHAREHOLDERS, ASSOCIATES, “OF COUNSEL” LAWYERS, AND EMPLOYEES.
  • MINIMUM PREMIUM FOR LAW FIRMS: $5,000

  • MINIMUM RETENTION FOR LAW FIRMS: $7,500
 

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