Bailey Special Risks, Inc. Insurance Coverage for Employment Practices

Bailey Special Risks Inc., a wholesale insurance broker and MGA

Employment Practices Liability Insurance

Designed HR Protection Demo

Frequently asked questions about EPLI

EPLI Online Rating

There are charges more frequently leveled against employers of all kinds and sizes in today's business environment. Though groundless, the costs of defending such claims regularly exceeds $35,000! According to Jury Verdict Research, the compensatory median award for EPL judgments through the year 2008 by category were as follows:

Discrimination - Overall
Retaliation
Wrongful Termination
Age Discrimination
Disability Discrimination
Race Discrimination
EPL Cases - Overall

$276,711
$275,000
$233,656
$381,000
$292,000
$257,239
$270,000

Printable Brochures:

In California:
BSR Insurance Services
CA Lic # 0E72686

EPLI Claims Examples
Tennessee Claims Examples
Something to think about

The probability of plaintiff recovery for Employment Practice Liability overall was 63%, while the probability of plaintiff recovery for various types of discrimination was as follows:

Age
Disability
Race
Sex
All

67%
48%
55%
62%
62%

Overall Federal District Courts
Overall State Courts

57%
63%

BSR offers insurance to protect private business from claims of this nature. Coverage can be purchased in amounts as small as $250,000 or as high as $5,000,000 in a single policy. Minimum premiums for limits of $1,000,000 run as little as $1,459. BSR markets this coverage through a variety of A rated carriers.

BSR offers stand alone EPLI forms which contain the broadest coverage language available including so called "all risk" language. At least one of these policy forms include coverage for violations of the Fair Labor Standards Act (FLSA), protecting a business when claims for failure to pay overtime are made.

Applications and forms viewable with Adobe Reader

To obtain coverage for your client, send in their completed application with any supporting documents such as employment applications, Sexual Harassment and EEOC policies, grievance procedures, etc.

Feel free to use the following templates to approach your insured about the need for EPLI coverage:

Solicitation Letter

Employment Practices Liability Application
Renewal Application

Premium quotations may be obtained by submitting a completed application. Mail, fax and e-mail applications are accepted. Feel free to send applications to submit@bsrins.com

For more information, contact us at info@bsrins.com.