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This is one of the more difficult and complex lines of business we handle at Lemac & Associates. Due to the intricacies of the various forms, a retail insurance broker would be wise to choose their EPLI wholesaler carefully. A generalist will not be equipped to properly market an account, or provide the coverage and form guidance that only an EPLI specialist can provide, someone such as one of Lemac’s financial services brokers.
Unfortunately, not all EPLI policy forms provide the same coverage. It is said that there are 70 markets writing EPLI coverage, and no two policies are the same. This is where you will find our expertise helpful, expertise that will perhaps enable you to write an account or prevent an E&O claim.
What are some of the major coverage issues?
 | Prior Acts – Are they covered or is there a retro date inception? | 
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| What is a claim? Must it be in writing? | |
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| Is there a co-insurance percentage? | |
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| What constitutes a wrongful employment act? Is it just discrimination, sexual harassment and wrongful termination, or is it a broader definition? | |
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| Is FMLA covered? | |
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| How about FLSA? | |
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| Is there an exclusion for downsizing? | |
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| Are mergers covered? | |
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| Worldwide coverage? |
If your current wholesaler does not know the answer to these questions, then maybe you should be doing your EPLI business with Lemac. Interested in a quote?
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| Lemac Quick E-Quote for insureds with 50 to 250 employees. |
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| EPL Short Form Application for for hard copy submissions. |
Contacts for this coverage are: Bill Stratico and Katy Lewis
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 | Short Form Employment Practices Liability |
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CDI 0C66724 5670 Wilshire Blvd. Suite 1200, Los Angeles, CA 90036
Phone (323) 857-9400 - Fax: (323) 857-9600
701 S. Parker Street, Suite 6200, Orange, CA 92868
Phone: (714) 558-6141 - Fax: (714) 704-4709
Web sites: lemacassociates.com, lemacga.com, environment-insurance.com
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