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Employment Practices Liability Insurance (EPLI) Program

The 5Star EPLI Program provides standalone, duty to defend coverage for employment related claims such as harassment, discrimination, and wrongful termination. Designed for most classes of small to mid-sized accounts and we specialize in hospitality and franchise business. The 5Star EPLI Program provides the stability of one of the largest and most financially sound insurance companies in the world, while offering personal service and exceptional claims handling available from a smaller provider.

Eligible Classes*
  • Restaurant Franchise
  • Restaurants/Hotels
  • Law Firms
  • Medical Groups (Including Nursing Homes)
  • PEOs
  • Employee Leasing and Temporary Help
  • Transportation Related Business
  • Contractors
  • Manufacturing/Wholesale
  • *Including but not limited to those listed
Available ProductsProgram Highlights
  • Optional Wage & Hour and defense outside limits coverage
  • A XV - (Excellent) Rated Carrier
  • Broad Policy Form
  • Wage and Hour now available for many classes
  • Pure Claims Made Policyformerly claims made and reported
  • Better Rates
  • Exceptional Claims Handling
  • Full Prior Acts Coverage - Even for First Time Buyers
  • Optional Third Party and Punitive Damages Coverage – Now, Lower APs
  • 5Star Helpline™ (5Star Helpline is a complimentary specialized loss prevention service which includes live attorney advice, HR alerts, Web resources, and more.)
Program Parameters
  • Firms with up to 1,000 Full Time Equivalent Employees (can refer for larger)
  • Specializing in firms with 10-250 Employees with limits of $500k - $2mm
  • Limits: $250K to $5mm
  • Retentions/Deductibles as low as $2,500
  • $1,500 Minimum Premium - Lower for Franchise or Associations
Ineligible Classes*
  • Casinos
  • Churches
  • Government Entities/Municipalities, Social Services
  • Schools/Colleges
  • TV/Media, Entertainment
  • *Including but not limited to those listed
ResourcesAvailability
  • Nationwide




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