Compare Employment Practices Liability Insurance Quotes

Compare employment practices liability insurance quotes with Spot

EPLI quotes differ on who controls your defense and what they leave out, so Spot puts those terms next to each other before you pick.

Compare quotes from 35+ employment practices liability insurance providers

Get StartedHow It Works

Defense control and settlement consent laid out per quote
Shared limits, retentions and excluded costs flagged
Keep your broker or switch, with no commissions on premiums

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How it works

Share the proposals and your team details

Send the quotes along with headcount, locations, contractors and any recent or planned layoffs, so each proposal is judged on the same workforce.

Maple Street Co.Organized by Spot

We compare how a claim would run

Spot sets out each quote’s retention, limit, defense spending rules, counsel selection and consent requirements.

Employment practices liability insurance

Maple Street Co. · Policy review

Policy wording: Coverage limits
Compare with: Contract requirements

Confirm with your broker

Limits, exclusions, and endorsements

Ask what you’d bear

If you’d rather decline a recommended settlement, ask your Spot team what extra cost each quote could leave with you. They bring the answer back to your Slack channel.

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AlexMaple Street Co.

Can you help compare our employment practices liability insurance options?

RileySpot

Let’s prepare the information for your broker and compare the terms, not just the price.

Choose and bind

Pick the quote that fits your workforce and how you’d handle a claim. Your Spot team helps you bind and keeps the policy on file for when a claim notice arrives.

Insurance documents

Quote comparison

Employment practices liability insurance

Coverage limits · Policy terms

Maple Street Co.

What to compare

01
Retention
How much your business pays before coverage responds, and whether it differs by type of claim.
02
Shared limits
Whether another coverage shares the same limit, such as in a management liability package.
03
Defense spending
Whether legal spending reduces the limit left for a settlement or judgment.
04
Choice of counsel
Who selects the lawyer and whether a preferred employment lawyer can handle a covered claim.
05
Consent and settlement
Which decisions need insurer consent and what additional cost you could bear if you decline a recommended settlement.
06
Third-party claims
Whether discrimination or harassment claims by customers or other nonemployees are covered.
07
Restricted costs
How wage-and-hour disputes, contractual payments, benefit obligations and punitive damages are treated.

Differences to watch for

01
Wage-and-hour assumed to be in
These disputes are often limited or excluded. Don’t assume a quote pays them.
02
Defense that eats the limit
A long defense leaves less for any settlement or judgment when spending counts against the limit.
03
No third-party protection
A quote built for employees only won’t respond to a customer’s harassment complaint.
04
Settlement disagreement
Declining a settlement the insurer recommends can leave extra costs with you. Read that clause before you bind.