EPLI, for the claim that comes from the payroll, not the public.

Wrongful termination, discrimination, harassment, retaliation, failure to promote — and the administrative charge that usually arrives before the lawsuit does.

Cennairus is a licensed wholesale insurance broker: retail agents send us the accounts their own markets cannot place, stay the agent of record, and we take each account to the markets on our panel of 145 carriers that write it. Employment practices liability answers for claims that come from the payroll rather than the public. It is claims-made, defense usually comes out of the limit, a charge filed with an agency counts as a claim, and wage-and-hour claims are usually excluded or limited to defense. Send headcount by state, the expiring policy and any prior claim.

Claims-madethe prior retroactive date goes on it

Defensewe check whether it erodes the limit

Third-partyasked for, not left to the form

Any headcountten employees or a thousand

What you get

The expiring policy is read first

The retroactive date, the limit and the defense wording come off the declarations page before the submission goes out, because a claims-made renewal turns on that continuity.

Defense terms, spelled out

Most forms pay defense within the limit of liability rather than on top of it. Which way each quote does it is called out when the terms come back, not left in the wording for later.

Third-party coverage asked for

Service businesses get accused by customers and vendors, not only by staff, so the extension is requested by name rather than left to whatever the form happens to include.

Practices priced, not just headcount

The handbook, the documented hiring and firing procedure, turnover and any prior charge go in with the submission — they are what an underwriter prices, and they count for more in the states that rate this line hardest — California first among them.

How do I quote EPLI through Cennairus?

Send what the employer has

The expiring declarations page, the headcount by state and the payroll. With no expiring policy, the short form on this page is enough to start.

The facts underwriting reads

Headcount, states of operation, turnover, the employee handbook and the hiring and firing procedure, and any prior claim or charge — gathered once, then sent to each market in the order it asks for them.

We work the placement

A licensed broker takes it to the markets with appetite and comes back with a quote, an underwriting review, or a decline.

What does EPLI not cover?

Wage and hour claims Unpaid overtime, misclassification and off-the-clock work are excluded on most forms, or given a defense-only sub-limit that pays the lawyers and never the settlement — the most common misunderstanding on this line.

An employee hurt on the job A physical injury at work belongs to Workers’ Comp. EPLI answers for the employment decision, not for the injury.

Bodily injury to a customer or visitor Someone hurt on the premises is a General Liability claim. Third-party coverage here answers for how a customer was treated, not for an injury.

A suit over how the company was run Shareholders, investors or a regulator going after the board is Directors & Officers territory, not employment practices.

A mistake administering benefits A missed enrollment or a wrong deduction is employee benefits liability, normally an endorsement on the General Liability policy rather than anything here.

What does EPLI cover?

It answers for claims that come out of the employment relationship itself — the decision to hire, discipline, promote or fire, and how people are treated while they work there — rather than for a physical injury or property damage. It defends the employer and pays what the employer becomes legally obligated to pay, up to the limit.

It is claims-made. The policy responds to a claim first made while it is in force, and only for conduct after the retroactive date printed on the declarations page. That date has to travel when the policy moves; a gap in cover leaves everything before it unanswered.

Defense usually comes out of the limit. On most forms the cost of the lawyers is paid within the limit of liability, so a long fight spends the money that was meant for the settlement.

A charge counts as a claim. Most forms respond when a complaint is filed with a federal or state agency, which is where these files usually start — long before anyone is served.

Who buys it: any employer from the first hire; restaurants, retail and hospitality, where turnover runs highest; staffing firms and franchise locations, where two employers can be named in the same claim; professional and healthcare offices with formal HR files; service businesses whose customers and vendors are in the building all day; and any employer with staff in California or another state that rates this line hard.

EPLI, answered

Is wage and hour covered?

Usually not. Most forms exclude it outright, and the ones that respond do it with a defense-only sub-limit — the lawyers are paid, the settlement is not. Say so before the client assumes otherwise.

What does claims-made mean here?

The policy answers for claims first made against the employer while it is in force, and only for conduct after the retroactive date on the declarations page. Moving markets is fine as long as the new policy keeps the old date; a lapse resets it and drops everything before it.

Is defense inside the limit or on top of it?

On most forms, inside — every dollar spent defending is a dollar less to settle with. Worth confirming on the form being quoted, because it is not universal.

Does it cover claims from customers, not just employees?

Many forms offer third-party coverage for harassment or discrimination alleged by a customer or a vendor. It is an option rather than a default, so it is asked for by name on service businesses.

What does underwriting want to see?

Headcount by state, turnover, whether there is an employee handbook and a documented hiring and firing procedure, and any prior claim or agency charge. Some states are rated harder than others, and California is the obvious one.