Coverage for
the new breed of
employment risk
With the shift to remote work, new digital tools to connect teams, and more, even employment-related risks have been transformed. Accurately assessing and quoting this new breed of risk has presented a challenge to traditional insurers.
And with the average cost of $70,000* for a small business EPL claim, weathering the event without EPL insurance can be devastating.
Built with digital intelligence at its core, an Employment Practices Liability policy offered by Coalition can help you protect your clients.
*Coalition’s Executive Risks Report - survey of 1,000 senior executives at companies with 1-250 employees completed by Wakefield Research
Amplify your clients’ protection
Employment Practices Liability Insurance from Coalition is a smart way to protect clients from fast-moving employment risks. EPL Insurance typically covers:
Accusations or incidents of wrongful termination, discrimination, harassment, negligence, and retaliation
Attorney fees, court costs (whether or not the business is found liable)
Settlements
Coalition offers coverage for private companies and not-for-profit organizations with up to 250 employees.
When EPL gets real
A construction company agreed to pay $38,000 to settle a lawsuit alleging sex discrimination
A jury awarded $200,000 to three former employees of a manufacturing company who alleged racial harassment and discrimination.
A nonprofit serving veterans agreed to pay over $150,000 to settle an age discrimination lawsuit.
Empowering brokers to protect businesses
Coalition’s robust Active Insurance offering helps you work faster and deliver more value for your clients.
Quote in minutes
Our proprietary Active Risk Platform builds a comprehensive risk profile for your client so you can deliver a bindable quote in minutes.
Be a strategic advisor
Coalition’s Executive Risks Assessment can assist you in clearly explaining your clients’ EPL exposures and being the expert partner they need.
Deliver added value
Coalition offers valuable services, including mid-term notifications, accredited training, compliance tools, and more.
The critical coverage your clients need
An EPL policy offered by Coalition lets you offer your clients comprehensive protection with key coverages.
Defense outside the limits
Coverage for defense costs in excess of the limit, up to $1M.
Wage and hour coverage
Defense costs for violations (overtime pay, failure to provide breaks, etc.) up to $250K.
Immigration coverage
Defense costs for violations of the Immigration Reform Control Act of 1986 and similar laws, up to $100K.
Workplace violence coverage
Offered by endorsement for most industries, up to $250K.
Retention waiver
10% retention reduction for the first settlement opportunity.
Settlement clause
Competitive 90/10 settlement clause.
Give your clients proactive protection with Active Employment Practices Liability Insurance.
Insurance products are offered in the U.S. by Coalition Insurance Solutions Inc. (“CIS”), a licensed insurance producer and surplus lines broker (Cal. license # 0L76155), acting on behalf of a number of unaffiliated insurance companies, and on an admitted basis acting on behalf of Zurich American Insurance Company (NAIC # 16535). See licenses and disclaimers. Copyright © 2023. All rights reserved. Coalition and the Coalition logo are trademarks of Coalition, Inc.
