Describe your workforce
Share your employees, locations and contractors, and any layoffs recent or planned. Your Spot team asks about how you hire and manage people.
Maple Street Co.Organized by Spot
EPLI Insurance Quotes
Get employment practices liability quotes with Spot
Give your Spot team your headcount, locations and HR practices, and we prepare the submission brokers take to EPLI insurers.
Get quotes from 35+ employment practices liability insurance providers
- Workforce, contractors and HR practices described once
- Defense, consent and third-party terms compared quote by quote
- Keep your broker or switch, with no commissions on premiums
How it works
Add HR policies and claim history
We collect your written employment policies, any past employment claims and your current coverage into a submission.
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
Brokers take it to market
We work with brokers to request EPLI proposals, and follow up when an underwriter asks about your people practices.
# spot-support
AlexMaple Street Co.
What do we need to request employment practices liability insurance quotes?
RileySpot
Let’s prepare the information for your broker and compare the terms, not just the price.
Compare who controls the defense
Retentions, shared limits, counsel selection, settlement consent and third-party protection are lined up in each proposal.
Insurance documents
Quote requestEmployment practices liability insurance
Coverage limits · Policy terms
Maple Street Co.
What you’ll need
- 01
Employee counts and locations
How many people work for you and in which states.
- 02
Contractors and temporary staff
Who works for you outside payroll, since the policy may or may not treat them as insureds.
- 03
Ownership structure
The entities and owners to be insured.
- 04
Recent or planned workforce reductions
Layoffs or restructuring, which insurers ask about.
- 05
Employment claim history
Past claims, written demands or complaints from applicants or employees.
- 06
HR policies and manager training
Written policies, training and records of complaints and how they were handled.
- 07
Current coverage, limits and retentions
Your expiring terms and the limits and retentions you want to discuss.
What affects your price
- 01
Headcount
More employees means more people who could bring a claim.
- 02
Locations
States differ in their employment rules, which insurers consider.
- 03
Layoffs and turnover
Recent or planned reductions are a frequent source of claims.
- 04
Claim history and HR practices
Past claims push the price up, and documented policies and training are part of how underwriters judge you.
- 05
Limits and retention
Higher limits cost more, and a higher retention can lower the premium.
- 06
Third-party protection
Covering allegations from customers or other nonemployees is an extra to price.
Providers your broker can approach
Get quotes from 35+ employment practices liability insurance providers.
- AIG
- Alliance Risk
- Amelia Risk
- Aon
- Beazley
- Berkshire Hathaway Specialty Insurance
- CFC
- And many more
Common questions
Does general liability or D&O cover employment claims?
Don’t assume so. General liability doesn’t replace an EPLI review, and D&O alone shouldn’t be relied on for employment claims. We check what each proposal includes.
Can I choose my own employment lawyer?
The policy decides who selects counsel and when the insurer’s consent is needed. We check this before you commit to your lawyer’s fees.
Does EPLI cover wage-and-hour disputes?
Don’t assume it does. Wage-and-hour disputes, contractual payments, benefit obligations and punitive damages are treated differently across policies, so we read each one.
Do I need to leave my broker for EPLI?
No. Your broker can use the workforce and HR details we collect, and Spot takes no commissions on premiums. You can move to another broker whenever you choose.
Related
Get insurance off your to-do list.
Give your Spot team your headcount, locations and HR practices, and we prepare the submission brokers take to EPLI insurers.
Get StartedLearn more before you get quotes
Read these before you choose a policy or an insurer.
