Employment Practices Liability
EPLI Self-Rater Makes Binding Coverage Simple
IIABCal member agents and brokers have access to an exclusive Employment Practices Liability program through CRC Group and underwritten by Houston Casualty Company, A.M. Best Rated A+ XIV, a non-admitted company in California. The program offers low retentions starting at $5,000, wage & hour coverage, affordable pricing, broad coverages, self-rater (if it fits, it binds), simple 16-question application form, free human resources services through HR Pilot, and 10%
Program Highlights
- Available coverage limits of $250,000, $500,000 and $1 million
- Full "Prior Acts" coverage is included for accounts with prior EPLI coverage
- Insures the entity as well as all employees, including part-time, temporary, leased (if indemnified), seasonal and independent contractors (by endorsement)
- Contains a "Duty to Defend" provision, and is on a “pay on behalf of” basis
- Broad coverage language for employment related claims such as discrimination, harassment, wrongful termination, hostile work environment, failure to hire or promote, wrongful demotion, negligent evaluation, deprivation of career opportunity, retaliation, wrongful discipline, etc
- No Intentional Acts or Downsizing exclusions
- Available coverage limits of $250,000, $500,000 and $1 million
- Full "Prior Acts" coverage is included for accounts with prior EPLI coverage
- Insures the entity as well as all employees, including part-time, temporary, leased (if indemnified), seasonal and independent contractors (by endorsement)
- Contains a "Duty to Defend" provision, and is on a “pay on behalf of” basis
- Broad coverage language for employment related claims such as discrimination, harassment, wrongful termination, hostile work environment, failure to hire or promote, wrongful demotion, negligent evaluation, deprivation of career opportunity, retaliation, wrongful discipline, etc
- No Intentional Acts or Downsizing exclusions
- HR Pilot Services – For more, click here.
- Free Hotline/Help Line (unlimited service during the duration of the policy)
- Free access to HR Care website (providing sample HB policies, employment law updates, and detailed risk management services)
- Third Party Liability Coverage automatically included (no sub limit)
- Worldwide territory for acts committed and suits brought into U.S.
- Punitive Damages Coverage included (where insurable by law)
- Claims Made Policy Form
- Terrorism coverage included
- Electronic policy issuance via email
- Immigration Coverage Endorsement - $50,000 sublimit
- Wage & Hour Coverage Now Available - $100,000 sublimit for defense costs is now INCLUDED in the rates for qualified risks. For Wage & Hour supplemental application form for excluded classes, click here. Eligibility is subject to completion of the Wage & Hour Supplemental form and underwriter approval (no backdating of this coverage).
Program Qualification Requirements
- No claims or incidents past three years
- 100 or fewer employees
- Employee applications containing “At Will” disclosure
- Employee handbook must be in place to bind coverage (not required to be sent with submission)
- Original ink signature NOT required to be sent with submission
Program Resources
Program Partner:
For more than 100 years, CRC Grouphas delivered exceptional expertise and service to the commercial insurance marketplace.
As a wholesale insurance broker, CRC Group does not work directly with insureds. Rather, CRC Group serves as a key intermediary between the independent insurance agents and the nation’s top insurance carriers. CRC Group works with the insured’s retail insurance agent or broker to provide comprehensive, cost-effective commercial coverages and specialty programs for a wide variety of risks.
Application & Policy Forms:
EPLI Policy Form Quick Reference Guide
2018 Application - New/Renewal Business
Product Comparison Chart
Policy Form
Endorsement Forms:
Nuclear Energy Exclusion Endorsement
Service of Suit Endorsement
Third-Party Coverage Endorsement Form
Wage and Hour Endorsement
Immigration Sublimit Defense Endorsement
ADA Increased Retention Endorsement
Allocation
Defense Counsel Modification
HR Services and Retention Modification
Terrorism Risk Insurance Act Premium Notice
Contact Information:
Program Administrator:
CRC Group
50 California Street, Suite 2000
San Francisco CA 94111
Anthony Luebben – Assistant Program Administrator
aluebben@crcins.com
415-951-8467
Pete Thrasher – Program Administrator
pthrasher@crcins.com
415-951-8459
Fax No: 415-956-1204