Employment Practices Liability Insurance Program from Donald Gaddis Company
Employment Practices Liability Insurance (EPLI) is a crucial line of defense for businesses of all sizes, especially in today’s litigious environment. The Donald Gaddis Company offers agents access to a broad and flexible EPLI program through a wide range of competitive carriers. Designed to protect employers from claims related to wrongful termination, discrimination, harassment, and other employment-related issues, this program is backed by seasoned underwriting and responsive service. Premiums start as low as $900, making it accessible for smaller businesses as well.
Ideal Accounts and Appetite
This program is well-suited for a wide array of industries, including construction, healthcare, retail, professional services, hospitality, and more. Whether your client is a small business with just a handful of employees or a mid-sized operation with more complex HR exposure, Donald Gaddis Company can help you find the right fit.
You might have a client in the construction industry who uses independent contractors on-site. Or perhaps you’re working with a retail client who interacts with numerous customers daily. These types of businesses face heightened exposure to third-party claims or employee allegations, making them prime candidates for EPLI coverage.
Coverage Highlights and Advantages
Not all EPLI policies are created equal. Two essential factors to evaluate are:
- Who is covered? Some carriers include leased workers and independent contractors in their definition of “employee,” while others do not. This can significantly affect coverage in scenarios involving non-traditional labor arrangements.
- Third-party liability coverage: Policies vary in how they define a third party. Some policies limit coverage to “vendors or customers,” while others extend it to “any non-employee.” A broader definition ensures better protection in situations like harassment or discrimination claims brought by members of the public.
Donald Gaddis Company works with carriers that offer flexible definitions and broader coverage terms to help avoid common gaps and exclusions.
Underwriting Notes and Minimum Premiums
Premiums for this program start as low as $900, depending on the size, industry, and risk profile of the account. Many participating carriers offer value-added services such as HR tools, risk management resources, and loss control support to help reduce claims frequency.
The Donald Gaddis Company’s underwriting team can help you navigate key risk indicators and tailor coverage recommendations based on your client’s operations and employee count.
Territories and Availability
This EPLI program is available in most states, including: 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. Admitted markets are available in many of these states, offering flexibility based on your client’s location and risk profile.
Why Work With Donald Gaddis Company?
As a trusted wholesale broker, Donald Gaddis Company brings deep market access and EPLI expertise to every account. With a fluid list of carriers and a strong service model, they help agents navigate complex employment liability exposures and deliver tailored solutions. Whether your client needs basic protection or advanced risk management features, Gaddis Company is your partner in placing high-quality EPLI coverage.