Employment Practices and Fiduciary Liability (EPL/FID+)

 

USLI’s EPL/FID+ product is designed for organizations with up to 500 employees, offering the flexible options of standalone Employment Practices Liability (EPL), standalone Fiduciary (FID) or a combined package. Our Professional Lines team is dedicated to helping you navigate today’s complex landscape and providing coverage to empower businesses as they address the challenges of workplace culture, compliance and fiduciary responsibilities.

Now live in the following states: Arizona, California, Colorado, Connecticut, Florida, Georgia, Illinois, Indiana, Massachusetts, Michigan, Minnesota, Nebraska, New Jersey, North Carolina, Ohio, Pennsylvania, Rhode Island, South Carolina, Tennessee, Texas, Utah and Washington.

Employment Practices Liability

 

Vital protection against covered wrongful employment acts such as, wrongful termination, harassment, discrimination, retaliation and other employment-related disputes.

  • Eligibility minimum of three employees, maximum of 500 FTE
  • Admitted in all states except California
  • Flexible retentions starting at $1,000 up to $100,000
  • Limits available up to $5 million (restrictions may apply)
  • Web and phone quotable

Fiduciary

Liability

 

Critical protection against claims arising from decisions made in the management, control or administration of employee benefit plans and their assets, including 401(k), medical and pension plans.

  • Eligibility up to $50 million in plan assets and 500 FTE
  • Admitted in all states except California and Vermont
  • Minimum premiums starting at $400 and $0 retentions
  • Limits available up to $5 million (restrictions may apply)
  • Web and phone quotable

Product

Advantages

  • Duty to defend form with defense costs outside the limit if $500,000 limit or higher is purchased and insured under 200 employees (California exempt)
  • Wage and hour sublimit of $100,000 defense and indemnity (California exempt and Florida defense only)
  • Optional coverages for workplace violence and kidnapping expense as well as defense costs sublimit for wrongful immigration acts 
  • Voluntary Settlement Program coverage with $150,000 sublimit for voluntary settlement program costs and defense costs
  • Optional Settlor coverage
Eligibility, class and state limitations may apply 

 

Eligible Classes

 

Looking for employment coverage for your clients in a specific industry? USLI's EPL/FID+ product is a great fit for a variety of classes of business.

Franchise Businesses

Auto Dealerships — Up to 200 FTE

Auto Repair/Garages

Beauty/Barber/Nail — Including Facial-only Waxing Services

Convenience Stores/Gas Stations

Grocery Stores/Supermarkets

Restaurants — Fast Food

Retail Stores — All Other

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Construction and Trade Services

Architects

Contractors — Artisan Contractors

Engineers

Maintenance/Janitorial

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Financial

Banks — U.S. Owned

Insurance Agents — Not USLI Appointed

Insurance Companies

Mortgage Companies

Credit Operations — Including Check Cashers and Payday Lenders

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Professional Services

Accounting Firms

Advertising Firms

Law Firms — Other than Employment or Entertainment Law; Up to 50 FTE

Consultants — Technology/Internet Company

Consultants — All Other

Consultants — Including Drug Testing and Background Checks

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Health and Wellness

Doctors/Dentists — Quote Under Medical Providers

Nursing Home/Assisted Living Facility/Skilled Nursing

Drug Rehabilitation Centers — Outpatient Only

Counseling Centers

Veterinary Clinics

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And Many Other Industries

Recreation/Membership Organizations

Education and Childcare

Real Estate and Property Management

Transportation and Logistics

Manufacturing and Distribution

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Marketing Materials

 

View and download our marketing pieces for more information about our product updates and the importance of EPL and FID+ coverage, and access our application.

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EPL Product Overview

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EPL/FID+ Hit Zone

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Why You Need EPLI

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Free HR Services

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EPL Small Business Claims

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FLSA Violations Coverage

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Insured Acknowledgement

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Classes of Business Fact Sheets

Underwriting Team

 

Speak directly with our underwriting team for expert guidance. Let us help you sell this business!

View our Professional Lines team leaders by region.

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Ways to Quote

Learn more about how you can rely on USLI for speed,
accessibility and ease of use™.

EPL/FID+ Webinar Series

Want to learn more about EPL/FID+? Join our underwriting team for a three-part webinar series this January or March. We will discuss our product, how to sell it and navigating this coverage in the modern workplace.

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