Product background
Employment practices liability covers employer liability for employment-related practices, personnel policies, acts, or omissions such as termination, harassment, discrimination, demotion, evaluation, reassignment, and discipline.
EPLI filings are valuable for comparing claims-made wording, applications, third-party coverage, wage-and-hour limitations, class action exclusions, prior acts, retaliation, and workplace tort language.
Common filing signals
- EPLI policy forms, applications, supplemental questionnaires, and declarations
- Wrongful employment practice, third-party, wage-and-hour, retaliation, and workplace tort provisions
- Prior acts, class action, insured-versus-insured, punitive damages, and extended reporting endorsements
Rate impact
Filings
23
Carriers
11
Avg impact
+2.5%
Max increase
+42.9%
Max decrease
-90.4%
Rate impact by state
| State | Filings | Avg |
|---|---|---|
| CA | 4 | +21.9% |
| ID | 4 | +14.5% |
| GA | 2 | -17.2% |
| IN | 2 | -19.8% |
| MA | 2 | +21.3% |
| IA | 1 | -36.0% |
| MD | 1 | +10.7% |
| MO | 1 | +17.3% |
Largest average moves
| Carrier | Avg | Filings |
|---|---|---|
| Pekin Insurance Group5 states | -36.0% | 5 |
| Tokio Marine Holdings Incorporated Group1 states | +20.7% | 1 |
| CAMICO Mutual Insurance Company1 states | +13.8% | 1 |
| Federated Mutual Group5 states | +12.7% | 5 |
| Pennsylvania Lumbermens Group1 states | +10.0% | 1 |
| AU Holding Company Group1 states | +7.0% | 1 |
| CNA Insurance Group4 states | +5.0% | 5 |
Notable rate impact filings
| Date | Carrier | State | Product | Impact | Max change |
|---|---|---|---|---|---|
| Dec 16, 2025 | CNA Insurance Group | GA | Employment Practices Liability Solutions Program | -90.4% | -90.4% |
| Jun 12, 2026 | CNA Insurance Group | CA | Employment Practices Liability Solutions Program | +42.9% | +397.3% |
| Aug 27, 2025 | Pekin Insurance Group | OH | EPLI | -36.0% | -36.0% |
| Aug 27, 2025 | Pekin Insurance Group | IA | EPLI | -36.0% | -36.0% |
| Aug 27, 2025 | Pekin Insurance Group | IN | EPLI | -36.0% | -36.0% |
| Aug 27, 2025 | Pekin Insurance Group | WI | EPLI | -36.0% | -36.0% |
| Aug 27, 2025 | Pekin Insurance Group | UT | EPLI | -36.0% | -36.0% |
| Jan 16, 2026 | CNA Insurance Group | ID | Employment Practices Liability Solutions Program | +27.7% | +27.7% |
Recent updates
| Product | Carrier | Status | Filings | Latest |
|---|---|---|---|---|
| Employers Edge An Employment Practices Liability Insurance Policy for Law Firms | Chubb Limited Group | Revised | 9 | Aug 11, 2026 |
| the Westchester Portfolio Management Liability Policy Employment Practices Liability Coverage Section | Chubb Limited Group | Revised | 17 | Aug 6, 2026 |
| Hci EPLI Advantage Program | Hannover Group | Revised | 2 | Aug 6, 2026 |
| CGL EPLI | Rockford Mutual Insurance Company | Revised | 2 | Aug 5, 2026 |
| Epl, 2025 Wy Annual Forms List Filing | Selective Insurance Group | Other | 1 | Aug 4, 2026 |
| Businessowners (Form - EPLI) | Cincinnati Financial Group | Revised | 1 | Aug 3, 2026 |
Top carriers
Chubb Limited Group324
Beazley Group71
Tokio Marine Holdings Incorporated Group63
Fairfax Financial Group59
CNA Insurance Group58
Travelers Group42
Markel Corporation Group33
American Financial Group24
Top states
CT48
NC44
GA35
LA33
AR31
KY29
MO26
WI26