Overview — King Support Systems Insurance Services: Employment Practices Liability Insurance
King Support Systems Insurance Services offers an Employment Practices Liability Insurance (EPLI) program designed for agents placing employer-side liability coverage in AZ, CA, NV, OR and WA. As a Managing General Underwriter and Excess & Surplus Lines Broker, King Support provides flexible limits, risk management support and streamlined submission tools to help you place accounts quickly with admitted or non-admitted capacity where appropriate.
Program at a Glance
- Limits available from $250,000 up to $10,000,000
- Claims-made and reported form with prior acts coverage available
- Minimum premium: $1,200
- Available in AZ, CA, NV, OR and WA — admitted placement in most available states; E&S where required
- Carriers: various admitted and surplus markets
Services and Producer Tools
- Free risk management manual plus a telephone hotline to support insureds and insureds’ HR teams
- One-page short-form application for a fast, non-binding quote
- Quick underwriting turnaround and premium finance options to close business faster
Ideal Accounts and Appetite
This program targets private employers and non-profit organizations seeking robust EPL protection with strong risk management support. It is well suited for employers concerned about discrimination, harassment, wrongful termination, retaliation claims and wage-related exposures such as Equal Pay Act issues.
Good fits include:
- Small to mid-size businesses with professional HR practices but occasional exposure events
- Non-profit organizations and membership groups
- Employers going through reorganizations or downsizing who want loss control and prior acts protection
Typically not a fit: employers with persistent or extensive prior EPL claim histories, or accounts requiring public entity-specific coverages not offered by the program. Underwriting will evaluate prior claims, HR practices, employee handbook and termination procedures.
Coverage Highlights & Special Features
- First-dollar coverage for EEOC administrative proceedings (helps reduce immediate defense exposure)
- Up to $2,500 available for defense costs before the deductible applies
- Additional defense outside the limits is available through certain carriers
- Equal Pay Act (EPA) coverage included where offered
- Aggregate deductible options and deductible reduction endorsements to tailor pricing and attachment points
Underwriting Notes & Minimum Premium
Underwriters review employment practices, HR documentation, training, and historical claim activity. King Support offers a one-page short-form application to speed initial screening; more detailed supplemental information may be requested for larger or higher-risk accounts. The program’s minimum premium is $1,200.
Territories and Placement
Available in AZ, CA, NV, OR and WA. King Support places coverage admitted where available and appropriate, and uses surplus lines placement where necessary to deliver broader terms or capacity.
Why Work With King Support Systems Insurance Services?
As an MGA and E&S broker, King Support combines quick quoting, practical risk management resources, and access to multiple admitted and surplus markets. That combination makes it easier for you to bind coverage for employers who need timely protection and HR support—especially when handling sensitive employment-related claims or organizational change.
Example Account Scenarios
- You have a 75-employee private employer in California preparing for a restructuring and looking for prior acts coverage plus hands-on HR guidance — King Support’s EPLI with downsizing coverage and the risk management hotline is a match.
- A regional non-profit in Oregon with an established HR program needs limits above their current policy and wants first-dollar EEOC administrative defense — the program’s flexible limits and administrative proceedings coverage fit well.