Employment Practices Liability Insurance

Overview
PIA's EPLI underwriters were among the first to develop an Employment Practices Liability Insurance program, introducing a London EPLI product in October 1995 for California employers. Upon joining PIA in February 1999, the underwriting team expanded the initial product to one that is now written nationally.

The policy form, with its broad coverage, is regarded as one of the best in the marketplace. Our EPLI staff is extremely knowledgeable in this product line, having been instrumental in developing the initial EPLI forms and rates. As a result, they can take an innovative approach in working with brokers.

The PIA Open Market Program is designed for firms with up to 500 employees; limits up to $2 million are available; deductibles are as low as $5,000 and a minimum premium of $1,000 applies.

Policy Highlights:

• Coverage for discrimination, harassment, inappropriate employment conduct, libel, slander, defamation of character and invasion of property
• Broad definition of "named" insured
• Coverage for past and future employees
• Full prior acts coverage
• Duty to defend, pay on behalf of
• Insured has the right to approve claims settlement
• Modified "hammer clause"
• No co-payment
• Punitive damages are covered where insurable by law
• No intentional acts, assault & battery or bodily injury exclusions

PIA takes pride in the risk management services that it offers. Policyholders have free access to Internet and telephone based support from YourHRdepartment.

In the event of a claim, policyholders have the right to select a local labor/employment law firm to represent them from a panel of over 120 of the best U.S. firms specializing in business employment law.

PIA's EPLI program is written through Houston Casualty Company on a non-admitted basis and through U.S. Specialty Insurance Company on an admitted basis. Both insurance carriers are rated A+ by A. M. Best Company and AA by Standard & Poor's.