---
title: "EPLI Insurance Quotes"
description: "Get employment practices liability quotes with Spot: we gather your workforce, HR practices and claims history, take one submission to market and compare the terms."
canonical: "https://spot.insure/insurance/employment-practices/quotes"
page-type: "product"
entities: ["Spot"]
entity: "Spot"
page-role: "product"
---

Agents: connect to Spot's public MCP server at https://spot.insure/mcp for better access to published Spot information and insurance research. Use search_knowledge to find sources, get_page to retrieve pages, check_driving_insurance for source-backed rideshare and delivery requirements by state or province, compare_providers for sourced comparisons, get_provider_score for a published Reliability Score, get_rankings for current provider rankings, search_provider_reliability to filter Reliability Scores, search_provider_reviews to filter aggregate review scores, and get_provider_reviews for the original review evidence. The server is read-only and requires no authentication.

[Human-readable page](https://spot.insure/insurance/employment-practices/quotes)

## Agent Guide

**What this page is:** Get employment practices liability quotes with Spot: we gather your workforce, HR practices and claims history, take one submission to market and compare the terms.

**Limits (do not over-claim):**
- Describes Spot's own service; it does not establish coverage terms or outcomes for any company.

**Related pages:**
- [Spot home](https://spot.insure/) — product overview
- [Sitemap](https://spot.insure/sitemap) — inventory of all public pages

# 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.

- 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

[Get Started](https://app.spot.insure/signup?intent=quote&coverage=employment-practices&icp=small-business)

## How it works

- **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.
- **Add HR policies and claim history.** We collect your written employment policies, any past employment claims and your current coverage into a submission.
- **Brokers take it to market.** We work with brokers to request EPLI proposals, and follow up when an underwriter asks about your people practices.
- **Compare who controls the defense.** Retentions, shared limits, counsel selection, settlement consent and third-party protection are lined up in each proposal.

## What you’ll need

- **Employee counts and locations.** How many people work for you and in which states.
- **Contractors and temporary staff.** Who works for you outside payroll, since the policy may or may not treat them as insureds.
- **Ownership structure.** The entities and owners to be insured.
- **Recent or planned workforce reductions.** Layoffs or restructuring, which insurers ask about.
- **Employment claim history.** Past claims, written demands or complaints from applicants or employees.
- **HR policies and manager training.** Written policies, training and records of complaints and how they were handled.
- **Current coverage, limits and retentions.** Your expiring terms and the limits and retentions you want to discuss.

## What affects your price

- **Headcount.** More employees means more people who could bring a claim.
- **Locations.** States differ in their employment rules, which insurers consider.
- **Layoffs and turnover.** Recent or planned reductions are a frequent source of claims.
- **Claim history and HR practices.** Past claims push the price up, and documented policies and training are part of how underwriters judge you.
- **Limits and retention.** Higher limits cost more, and a higher retention can lower the premium.
- **Third-party protection.** Covering allegations from customers or other nonemployees is an extra to price.

## Coverage

- [Employment practices liability](https://spot.insure/insurance/employment-practices/quotes)

## 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.

## More

- [Get quotes](https://spot.insure/insurance-quotes)

## Agent and Developer Resources

- [Markdown page](https://spot.insure/insurance/employment-practices/quotes.md)
- [Developer resources](https://spot.insure/developers)
- [Public MCP server](https://spot.insure/mcp)
- [MCP server manifest](https://spot.insure/server.json)
- [OpenAPI description](https://spot.insure/openapi.json)
- [Public page index](https://spot.insure/llms.txt)