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
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
Construction and Trade Services
Architects
Contractors — Artisan Contractors
Engineers
Maintenance/Janitorial
Financial
Banks — U.S. Owned
Insurance Agents — Not USLI Appointed
Insurance Companies
Mortgage Companies
Credit Operations — Including Check Cashers and Payday Lenders
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
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
And Many Other Industries
Recreation/Membership Organizations
Education and Childcare
Real Estate and Property Management
Transportation and Logistics
Manufacturing and Distribution
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.
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.
Ways to Quote
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Online at snap.USLI.com
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Call 888-773-8754
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Email your application or quote information to professional@usli.com
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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.