Employment Practices Liability Insurance (EPLI) is essential for businesses of every size. It protects employers against claims such as discrimination, harassment, wrongful termination, and other workplace-related allegations. At Donald Gaddis Company, we specialize in placing EPLI and provide access to a broad panel of competitive carriers to help you place this coverage confidently for your clients.
Overview of the EPLI Program From Donald Gaddis Company
Donald Gaddis Company is a wholesale broker with deep EPLI expertise and ongoing access to a fluid list of reputable carriers. Our EPLI markets are available on an admitted basis in most states and are designed for retail agents seeking tailored, competitive solutions. Minimum premiums can start around $900, and many of our markets include risk management and loss control resources that help reduce exposure before claims arise.
Ideal Accounts and Appetite
We place EPLI for a wide range of businesses, including but not limited to:
- Construction and skilled trades companies
- Professional services firms (consultants, architects, engineers)
- Retail and hospitality operations
- Healthcare and assisted living facilities
- Manufacturers and distributors
Accounts with leased employees, independent contractors, or a prior history of employment disputes may still qualify depending on the carrier. We work with you to match the client’s exposures to the carriers most likely to offer terms.
Coverage Highlights and Advantages
Not all EPLI policies are the same. Our team focuses on critical coverage features that commonly affect claims outcomes:
- Who is considered an employee? – Some policies explicitly include leased workers and independent contractors; others exclude them. This distinction can determine whether a claim is covered.
- Third-party coverage – This protects against claims by non-employees (customers, vendors, visitors). Carrier definitions vary, so we help ensure the policy language aligns with your client’s exposures.
Those policy definitions matter. For example, a harassment claim by a passerby against a worker classified as an independent contractor could be excluded unless both the employee definition and third-party coverage are sufficiently broad. We help you identify and avoid these gaps when placing coverage.
Underwriting Notes and Minimum Premiums
Our carrier partners offer flexible underwriting for many classes and sizes of business. Minimum premiums typically start around $900, but final pricing depends on class code, payroll, claims history, and any requested coverage enhancements. We’ll guide you through the submission requirements to speed placement and improve quoting outcomes.
Territories and Availability
The EPLI program is available in these states: AL, AZ, CA, CO, FL, GA, HI, IL, IN, IA, KS, MI, MN, MO, NE, NY, NC, OH, OK, PA, SC, TN, TX, VA, WV, and WI. Most options are admitted in these jurisdictions, offering regulatory consistency and broader agent accessibility.
Why Work With Donald Gaddis Company
As a trusted wholesale broker, Donald Gaddis Company pairs market access with experienced underwriting guidance. We help you navigate policy language, match clients to the right carriers, and secure terms that address real exposures. Whether you’re placing your first EPLI policy or handling a complex account with leased workers or prior claims, our team supports you through placement and servicing.
Frequently Asked Questions
What types of accounts are a good fit for this EPLI program?
We can accommodate a wide range of businesses, including construction firms, healthcare providers, retailers, and professional services. Accounts with leased workers or independent contractors are evaluated and often placed depending on carrier appetite.
Does this program offer third-party EPLI coverage?
Yes. Many of our markets offer third-party coverage, though the specific definition varies by carrier. We review policy language to ensure it matches your client’s exposure to non-employee claimants.
What is the minimum premium for this EPLI program?
Minimum premiums generally start around $900, depending on carrier, class of business, payroll, and underwriting factors.
Is the coverage admitted or non-admitted?
Most of our carriers provide admitted EPLI options in the available states; specific offerings can vary by jurisdiction and risk profile.
Which states is this program available in?
The program is currently available in AL, AZ, CA, CO, FL, GA, HI, IL, IN, IA, KS, MI, MN, MO, NE, NY, NC, OH, OK, PA, SC, TN, TX, VA, WV, and WI.
Need help placing an account? Connect with a market specialist.