Risk Eligibility

  • Risks with up to 500 employees (part-time and seasonal count as half each)
  • Target classes (including, but not limited to):
    • Ambulance service – private
    • Daycare center – commercial
    • Printer/publisher
    • Architect/Engineer
    • Doctor/Dentist*
    • Property manager*
    • Artisan contractor
    • Fitness center
    • Real estate agency*
    • Assisted living
    • Home health care service*
    • Recreation/Membership organization
    • Auto dealer*
    • Hotel/motel
    • Restaurants – fast food
    • Bank* (U.S. owned)
    • Insurance agents
    • Retail store
    • Business services
    • Insurance company*
    • Sales/Distributor
    • Camp
    • Janitorial/Maintenance
    • Supermarket
    • Consultants
    • Law firm (< 50 employees)
    • Transportation/Trucking
    • Country club*
    • Manufacturer
    • Travel agent
    • Credit operation*
    • Nursing home*
    • Veterinary clinic
  • New ventures are eligible

* Not eligible for third party coverage option

In addition to the above classes, many others are eligible. Please contact your underwriter.

Contact an Underwriter at 877-742-9875

SUBJECT TO UNDERWRITING REVIEW

  • Up to two employment practices claims or circumstances in the past five years
  • Any past or future plans for downsizing, layoff, merger or acquisition activity
  • AVAILABLE LIMITS

    • Employment practices liability up to $5,000,000
    • Fair Labor Standards Act (FLSA) sub-limit included at $100,000**

    RETENTION

    • Employment practices liability starts at $1,000

    **Not available in CA and FL

    MOST COMMON INELIGIBLE RISK CHARACTERISTICS

    • Located in LA or WV
    • The following classes of business:
      • Adult entertainment
      • Agricultural/Farms
      • Bar/Tavern
      • Colleges and Universities
      • Companion care services (live in)
      • Day care center – residential
      • Entertainment industry (radio, television, film)
      • Garment maker
      • General contractors/construction
      • Government agencies
      • Hospitals
      • Personal staff/Family trust
      • Public schools/School districts
      • Restaurant – full service
      • Stock brokerage/SEC firms
      • Unions
      • Venture capital management

    Note: Ineligible risk characteristics include, but are not limited to those listed above.

    CONTACT AN UNDERWRITER FOR MORE INFORMATION AT 877-742-9875 OR CLICK HERE TO FILE A SUBMISSION