Employment Practices Liability in Virginia

Virginia’s Human Rights Act covers employment discrimination based on listed protected characteristics and provides a two-year period to file a complaint with the Office of Civil Rights. After a complaint is filed, the complainant may request a right-to-sue notice once 180 days have passed, or sooner if the Office cannot complete its investigation in that time; a civil action after notice generally has a 90-day deadline.

What Is Employment Practices Liability Insurance?

EPLI can help pay covered defense costs and losses when applicants or workers allege discrimination, harassment, wrongful termination or other workplace wrongdoing. If you employ people, check the claim definition, defense costs and prior acts. Read the national Employment practices liability guide.

What to Watch for With Employment Practices Liability in Virginia

Use the current two-year complaint period
Current § 2.2-3907 gives two years to file a Virginia Human Rights Act complaint. Older guides describing a shorter period are stale. Preserve the alleged event date and verify which statutory route applies before setting the claims-made notice timeline. ¹
Calendar the post-notice court period
After a right-to-sue notice, § 2.2-3908 generally gives 90 days to bring a civil action. A complainant can request the notice after 180 days or when the Office says it cannot finish its investigation within that period. Track the notice date as a new deadline. ¹
Separate VHRA allegations from statutory whistleblower claims
Virginia’s separate employee-protection statute covers specified good-faith reports, participation in government investigations, and refusal to commit an illegal act. It has a one-year civil-action period and lists reinstatement, lost pay, fees, and injunctive relief; an EPLI response should identify which statutory claim is asserted. ²

Providers With Virginia License Records

These providers publish a national listing for Employment practices liability; the license records below name the licensed entities and roles. Some records rely on company-reported information rather than independent regulator verification. A national listing does not confirm the product is available in Virginia. Check the regulator’s license lookup and confirm state availability for your business when requesting a quote.

Coalition
Insurance producer, Surplus-lines broker · checked 2026-09-28
Coalition Insurance Solutions, Inc.
Coalition’s license page lists producer and surplus-lines licenses for Coalition Insurance Solutions, Inc. in all 50 states and the District of Columbia. The page separately lists insurers; this record covers the brokerage entity only. ⁹
Coalition offers employment practices liability through its executive-risks product for private and nonprofit US organizations.
Corgi
Insurance producer · checked 2026-09-28
Corgi Insurance Services, Inc.
Corgi’s company producer-license table lists 50 jurisdictions: 49 states and the District of Columbia, including DC license 3003091619. New Mexico does not appear in the table and is not included here; the omission does not establish that Corgi is unlicensed there. The company-reported table has no stated as-of date and does not establish product availability. ¹⁰
Corgi lists employment practices liability among its business-insurance offerings.
TechInsurance
Insurance producer · checked 2026-09-28
Specialty Program Group LLC
TechInsurance’s current licensing page names Specialty Program Group LLC / SPG Insurance Solutions and lists state license numbers, but labels Rhode Island “Individual licenses” rather than identifying a license for the named agency. RI is omitted because this disclosure does not establish agency authority there; this is a search limitation, not an assertion that the company is unlicensed. The remaining state entries are company-reported and are not an insurance product availability map. ¹³
TechInsurance arranges employment practices liability insurance for small businesses.
Vouch
Insurance producer, Surplus-lines broker · checked 2026-09-28
Vouch Specialty Insurance Services, LLC
Vouch’s licenses page, effective January 16, 2025, lists producer licenses in all 50 states and DC. Its separate surplus-lines table includes Idaho number 870820, while a footnote says Georgia and Idaho do not issue agency-level surplus-lines licenses. Because those statements conflict for Idaho, this record keeps Idaho producer-only and does not treat the table number as established agency surplus-lines authority. The page is company-reported and does not establish product availability. ¹⁴
Vouch lists employment practices liability within its insurance programs for technology companies.

Who Regulates Insurance in Virginia?

Virginia State Corporation Commission, Bureau of Insurance

The Virginia State Corporation Commission, Bureau of Insurance administers Virginia insurance laws, oversees insurers and insurance producers within its authority, and provides regulatory and consumer resources. You can use the department's complaint process to raise an insurance issue and its licensing resources to check insurance professionals. ^3,^4,⁵

Website: Regulator website
License lookup: Search licensed producers
Complaints: File a complaint

Surplus-Lines Tax and Stamping Office in Virginia

Reported tax rate. 2.25% of premium plus up to 0.1% Bureau Special Fund assessment ^6,⁷

The NAIC's state chart lists a 2.25% of premium plus up to 0.1% Bureau Special Fund assessment charge for surplus-lines coverage for Virginia (the chart's state entries were reviewed in October 2025). Your broker may collect the applicable amount with the premium. Surplus-lines insurers are not licensed in the state and generally are outside state guaranty-association protection; ask your broker to explain the insurer's financial protections and any diligent-search requirement that applies to your placement.

Questions to Ask Before You Buy Employment Practices Liability in Virginia

How long does Virginia allow to file a Human Rights Act complaint?
When does the right-to-sue period begin?
How does Virginia’s statutory retaliation claim differ from a discrimination complaint?

Employment Practices Liability Insurance in Virginia: FAQ

What is the current Virginia Human Rights Act complaint period?

Current Code § 2.2-3907 says a complaint generally must be filed within two years of the alleged discriminatory practice. Following a right-to-sue notice, § 2.2-3908 generally gives 90 days to file a civil action. ¹

Does Virginia protect good-faith reports of legal violations?

Yes. Code § 40.1-27.3 bars specified retaliation for good-faith reports, participation in government investigations, and refusal to perform an illegal act. It authorizes a civil action within one year and lists reinstatement and lost-wage remedies. ²

Sources for Employment Practices Liability Insurance in Virginia

1
Virginia Human Rights Act — Complaint Procedure. Virginia General Assembly; § 2.2-3907: two-year complaint period, investigation, right-to-sue notice after 180 days or when investigation cannot finish; references § 2.2-3908. Accessed 2026-09-29.
2
Retaliatory Action Against Employee Prohibited. Virginia General Assembly; § 40.1-27.3 protected reports, investigations, refusals to commit illegal acts, one-year civil-action deadline, and available remedies. Accessed 2026-09-29.
3
Virginia State Corporation Commission, Bureau of Insurance. Virginia State Corporation Commission, Bureau of Insurance; Official regulator website; insurance oversight and consumer/professional resources. Accessed 2026-09-28.
4
Insurance Department Directory. National Association of Insurance Commissioners; Virginia State Corporation Commission, Bureau of Insurance entry; official contact and website listing. Accessed 2026-09-28.
5
Licensing Center. National Insurance Producer Registry; State producer licensing and lookup resources. Accessed 2026-09-28.
6
Surplus Lines Insurance Premium Taxes. National Association of Insurance Commissioners; VA row; state surplus-lines premium-tax rate reviewed October 2025. Accessed 2026-09-28.
7
Guaranty Associations & Funds. National Association of Insurance Commissioners; Coverage of claims from insolvencies of insurers licensed in a state; surplus-lines insurers are nonadmitted. Accessed 2026-09-28.
8
Licenses. At-Bay; Current producer introduction and state table; At-Bay Insurance Services LLC; P&C and surplus-lines identifiers. Accessed 2026-09-21.
9
Licenses and Carriers. Coalition; Licenses and Carriers, re-read 22 September 2026: Insurance Licenses table for Coalition Insurance Solutions, Inc., national producer number 18419475, with producer and surplus-lines numbers for all 50 states and DC including California 0L76155, Georgia 196479, Texas 2199630 and 2205589, Pennsylvania 815731 and 817452, Colorado 539028 and Wisconsin 3000108852. Insurance Carriers table naming, with NAIC numbers, Allianz Underwriters Insurance Company 36420, Arch Specialty Insurance Company 21199, Ascot Specialty Insurance Company 45055, Ascot Insurance Company 23752, Aspen Specialty Insurance Company 10717, Chaucer Insurance Company DAC, Coalition Insurance Company 29530, Fireman's Fund Indemnity Corporation 11380, Fortegra Specialty Insurance Company 16823, Lloyd's of London, MSIG Specialty Insurance USA Inc. 34886, MS Transverse Specialty Insurance Company 41807, Steadfast Insurance Company 26387, Vantage Risk Specialty Insurance Company 16275 and Zurich American Insurance Company 16535. Accessed 2026-09-22.
10
Insurance Producer Licenses. Corgi Insurance; Current complete Insurance Producer Licenses table for Corgi Insurance Services, Inc.; 50 rows covering 49 states and DC (DC 3003091619); no New Mexico row; no NPN or as-of date shown. Accessed 2026-09-28.
11
About Hiscox US Insurance. Hiscox; Hiscox Insurance Company Inc. NAIC 10200 as Chicago, IL domiciled insurer admitted or licensed in all 50 states and D.C.; Hiscox Inc. as general agent and Lloyd’s coverholder for Syndicates 33 and 3624; surplus-lines placements through licensed surplus-lines brokers; A.M. Best rating statement. Accessed 2026-09-16.
12
Licenses. ERGO NEXT Insurance; Current entity-by-state license table reopened 28 September 2026: 50 rows under Next First Insurance Agency, Inc., including Washington, DC; New York rows instead list Next Insurance Services PC-1423070 and AP Intego BR-1198885. Accessed 2026-09-28.
13
Insurance Licenses by State. TechInsurance; Current state table; identifies TechInsurance as a division of Specialty Program Group LLC d/b/a SPG Insurance Solutions; lists DC 3000041536 and labels Rhode Island “Individual licenses,” without an agency license number. Accessed 2026-09-28.
14
Licenses. Vouch; Effective 16 January 2025: Vouch Specialty Insurance Services, LLC, NPN 19926463; P&C table (50 states and DC); surplus-lines table includes Idaho 870820; footnote says Georgia and Idaho do not issue agency-level surplus-lines licenses; Idaho retained as producer-only due to conflict. Accessed 2026-09-15.

Employment Practices Liability in Virginia

What Is Employment Practices Liability Insurance?

What to Watch for With Employment Practices Liability in Virginia

Use the current two-year complaint period

Calendar the post-notice court period

Separate VHRA allegations from statutory whistleblower claims

Providers With Virginia License Records

Coalition

Corgi

TechInsurance

Vouch