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Employment Practices Liability

EPLI Self-Rater Makes Binding Coverage Simple

IIABCal member agents and brokers have access to an exclusive Employment Practices Liability program through CRC Swett and underwritten by Houston Casualty Company, A.M. Best Rated A+ XIV, a non-admitted company in California.  The program offers low retentions starting at $5,000, wage & hour coverage, affordable pricing, broad coverages, self-rater (if it fits, it binds), simple 16-question application form, free human resources services through HR Pilot, and 10% commissions.

Qualification Requirements:

  • No claims or incidents past three years
  • 100 or fewer employees
  • Employee applications containing “At Will” disclosure
  • Employee handbook must be in place to bind coverage (not required to be sent with submission)
  • Original ink signature NOT required to be sent with submission


Program Highlights: 

  • Available coverage limits of $250,000, $500,000 and $1 million
  • Full "Prior Acts" coverage is included for accounts with prior EPLI coverage
  • Insures the entity as well as all employees, including part-time, temporary, leased (if indemnified), seasonal and independent contractors (by endorsement)
  • Contains a "Duty to Defend" provision, and is on a “pay on behalf of” basis
  • Broad coverage language for employment related claims such as discrimination, harassment, wrongful termination, hostile work environment, failure to hire or promote, wrongful demotion, negligent evaluation, deprivation of career opportunity, retaliation, wrongful discipline, etc
  • No Intentional Acts or Downsizing exclusions

Program Highlights:

  • HR Pilot Services – For more, click here. 
  • Free Hotline/Help Line (unlimited service during the duration of the policy)
  • Free access to HR Care website (providing sample HB policies, employment law updates, and detailed risk management services)
  • Third Party Liability Coverage automatically included (no sub limit)
  • Worldwide territory for acts committed and suits brought into U.S.
  • Punitive Damages Coverage included (where insurable by law)
  • Claims Made Policy Form
  • Terrorism coverage included
  • Electronic policy issuance via email
  • Immigration Coverage Endorsement - $50,000 sublimit 
  • Wage & Hour Coverage Now Available - $100,000 sublimit for defense costs is now INCLUDED in the rates for qualified risks. For Wage & Hour supplemental application form for excluded classes, click here. Eligibility is subject to completion of the Wage & Hour Supplemental form and underwriter approval (no backdating of this coverage).

Program Partner:

For 100 years, CRC Swett has delivered exceptional expertise and service to the commercial insurance marketplace. 

As a wholesale insurance broker, CRC Swett does not work directly with insureds. Rather, CRC Swett serves as a key intermediary between the independent insurance agents and the nation’s top insurance carriers. CRC Swett works with the insured’s retail insurance agent or broker to provide comprehensive, cost-effective commercial coverages and specialty programs for a wide variety of risks.

Contact Information:

Program Administrator:
Swett & Crawford
One California Street, 12th Floor
San Francisco CA  94111

Anthony Luebben – Assistant Program Administrator
aluebben@crcswett.com 
415-951-8467

Pete Thrasher – Program Administrator
pthrasher@crcswett.com 
415-951-8459

 Fax No:  415-956-1204