HCC Specialty
Employment Practices Liability Insurance
In today’s work environment no business is immune from the threat of workplace
litigation and employment related claims. These claims are filed as frequently
against small businesses as they are against larger employers. Small to mid-size
business owners are becoming increasingly vulnerable and the costs of defending
such claims, which can be absorbed by the large companies, could financially
devastate the smaller firms.
What is Employment Practices Liability Insurance?
Why HCC Specialty?
HCC Specialty’s underwriters were among the first to
develop an EPLI program. Our EPLI program offers broad
policy coverage language for discrimination, harassment
and inappropriate employment conduct, including hostile
work environment, failure to hire or promote, wrongful
demotion, negligent evaluation, deprivation of career
opportunity, retaliation, wrongful discipline, libel, slander,
defamation of character and invasion of privacy.
Employment practices liability insurance (EPLI) provides
protection for an employer against claims made by
employees, former employees or prospective employees
alleging, among other things:
Our affinity / franchise program is a key differentiator in the
EPL marketplace. This program is designed for businesses
operating under a franchise agreement and/or affinity
groups with similar business operations and exposures.
•Harassment
The EPLI staff at HCC Specialty is experienced and
•Discrimination
knowledgeable, enabling an innovative approach to
•Wrongful termination
working with brokers and meeting clients’ needs.
•Retaliation
Additionally, our HR Pilot™ risk management services are
•Negligent evaluation
available to all policyholders at no additional charge and
•Failure to employ or promote
include comprehensive services such as unlimited HR
•Wrongful discipline
support, step-by-step procedures for common HR issues
•Deprivation of career opportunity
•Negligent infliction of emotional distress
•Violations of FMLA and USERRA
•Other inappropriate employment conduct
HCC Specialty has earned a reputation for reliability,
service, expertise, flexibility and exceptional turnaround
time. Most employment practices liability submissions will
receive a response within twenty-four hours; policies are
issued within a few days of binding. We offer competitive
pricing, terms and conditions and are backed up by
a responsive, experienced and knowledgeable claims
department.
and employment law updates via e-mail.
Employment practices liability
coverage should no longer
be considered discretionary
by organizations given the
monetary repercussions they
face defending employment
related claims.
Highlights
Additional Policy Form Highlights
Include:
HR Pilot™ is available to all
HCC Specialty’s affinity / franchise
policyholders at no additional charge.
program is designed for businesses
•Low premium and retentions
The services are comprehensive and
operating under a franchise
•Prior acts coverage
include the following:
agreement and/or affinity groups
•Claims Made Policy Form
•Unlimited HR support by telephone
and e-mail
with similar business operations and
•State-specific online content for all
50 states
program include:
•Insured’s consent to settle provision
•Duty to defend
•Punitive damages are covered
where insurable by law
•No downsizing exclusion
•No co-payment
•No intentional acts exclusion
•Limits up to $5 million
•Step-by-step procedures for
common HR issues (hiring to
termination)
•Spanish / English services (select
posters, handbooks, training and
complaint hotline)
•102 sample employee handbooks
Optional Coverage Endorsements
Available for:
•Third-party harassment and
discrimination coverage, including
ADA violations
•Online training
•Monthly manager training bulletins
•Podcasts / webcasts
•Audio conferences
exposures. Typical risks placed in this
Franchises
•Restaurants
•Retail
•Auto repair / maintenance
•Convenience stores / gas stations
Affinity groups
•Accountants
•Architects and engineers
•Restaurants
•Pest control
•Franchise endorsement
•Employment law updates by e-mail
Small business program
•Wage and hour defense costs
•Toll-free employee complaint
hotline
•Less than 50 employees
•Punitive damages with most
favorable venue
•Independent contractors / leased
workers
Target Markets
HCC Specialty’s EPL open market
business is designed for businesses
HR Pilot™ Risk Management
Services
with 750 or less employees. Typical
Risk management services are as
•Accountants
important as the policy purchased,
•Architects and engineers
especially for small to mid-size
•Contractors
employers without an experienced
•Hi-tech
HR department to navigate complex
employment issues.
risks placed in this program include:
•Manufacturers
•Non-franchised restaurants
•Retailers
•Wholesalers / distributors
•Located in one state
Frequently Asked Questions*
What does our EPL form cover?
What types of loss does it cover?
Our form covers an employer for allegations of sexual
Loss means damages, judgments, settlements, statutory
harassment, discrimination, wrongful termination, as
attorney fees and defense costs (subject to the definitions
well an employment related incident resulting in
on the policy form).
wrongful demotion or wrongful failure to employ or
or deprivation of career opportunity; negligent hiring,
Do you offer FSLA / Wage and Hour coverage?
If so, is it included in the premium automatically?
supervision or evaluation; retaliation; misrepresentation
This coverage is offered to selected risks. If the applicant is
or defamation; infliction of emotional distress, humiliation,
eligible, they must fill out our wage and hour supplemental
mental injury or mental anguish; false arrest, detention or
application. If qualified, the Wage and Hour defense
imprisonment; or libel, slander, defamation of character or
sublimit of $100,000 can be purchased for an additional
any invasion of right of privacy; employment terminations,
premium.
promote; wrongful discipline; wrongful denial of tenure
disciplinary actions, demotions or other employment
Leave Act or similar state law; violations of the Uniformed
Do you offer a complaint hotline or risk management
assistance?
Services Employment and Reemployment Rights Act.
Every policyholder receives access to HR Pilot™, our
Who does it cover?
the premium. An 800 number is provided for advice
decisions which violate public policy or the Family Medical
risk management service. This service is included in
Our EPL form provides coverage for the entity itself, as
regarding employment issues. Also provided is online
well as individual owners, partners, members and their
access for training, podcasts, sample policies and
spouses, subsidiaries owned by more than 50%, directors,
procedures, and more.
officers and employees.
*This page is designed to provide a concise overview of the provisions that have been the subject of frequent inquiries. It is not designed to replace
the policy itself. For a full description of applicable provisions, please consult the policy wording. Coverage for a particular claim and/or individual is
determined at the time a claim is made and reported and is subject to all terms and conditions of the policy issued.
Contact us
Chris Murphy
Jade Rabacal
Dana Reynolds
Lauren Wilke
Sandra Minott
Underwriting Manager
Senior Underwriter
Senior Underwriter
Senior Underwriter
Senior Underwriter
direct (415) 277 2475
direct (312) 609 7172
direct (415) 277 2463
direct (415) 277 2465
direct (914) 864 3211
cmurphy@hcc.com
jrabacal@hcc.com
dreynolds@hcc.com
lwilke@hcc.com
sminott@hcc.com
Not all coverages of products may be available in all jurisdictions. The description of coverage in these pages is for information purposes only.
Actual coverages will vary based on local law requirements and the terms and conditions of the policy issued. The information described
herein does not amend, or otherwise affect, the terms and conditions of any insurance policy issued by HCC.
HCC Specialty 50 California Street, Suite 1350, San Francisco, CA 94111 main (415) 288 0701 facsimile (415) 288 0771
HCC Specialty, a division of HCC Insurance Holdings, Inc., is comprised of HCC Specialty Underwriters, Inc.,
Professional Indemnity Agency, Inc., G.B. Kenrick & Associates, Inc. dba Kenrick Corporation, InsPro Corporation and HCC Public Risk.
EPL11.13
hcc.com/specialty