Embroker Employment Practices Liability Insurance

Embroker says most businesses with employees qualify, but a business needs an in-depth anti-discrimination policy and a regularly revised employee handbook to be a good underwriting candidate; a business with no employees or a recent prior EPL lawsuit is described as a poor candidate. ¹Company-reported. Product-page 'What are the eligibility requirements?' section; not a guarantee of coverage for a particular business.

Embroker lists coverage for legal defense costs, settlements and judgments tied to poor employment practices, retaliation claims, wrongful demotion or discipline, and wage-and-hour disputes. ¹Company-reported. Product-page What's covered section; the issued policy and declarations control.

Embroker says the policy excludes criminal and civil fines or punitive damages, back wages owed, employee bodily injuries, and claims related to unemployment benefits or workers' compensation. ¹Company-reported. Product-page What's not included section.

Embroker says most of its EPLI policies are written on a claims-made basis, meaning coverage responds based on when a claim is made and reported relative to the policy's retroactive date, not when the underlying incident occurred. ¹Company-reported. Product-page 'What are claims-made vs. occurrence policies?' section.

Embroker says EPLI buyers get free access to HR services managed independently by Excelerator, including an HR portal, employee handbook review, an HR helpline and compliance training. ¹Company-reported. Product-page 'Free access to valuable HR consulting services with Excelerator' section; a third party administers these services.

Embroker offers an online quote for EPLI through its digital platform. ¹Company-reported. Product-page 'Quick quotes' feature description; no quote was requested during this research.