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.
What forms make up a employment-related practices liability policy
An ISO employment-related practices liability policy is built from coverage forms, a declarations page and endorsements. The coverage form is EP 00 01 Employment Practices Liability Insurance Coverage Part (edition 11 09, filed by 7 carrier groups). EP DS 01 Employment-Related Practices Liability Declarations is the declarations page. Widely filed endorsements include EP 01 20 Liability to Non-Employees (7), EP 01 21 Nuclear Energy Liability Exclusion Endorsement (6), and EP 20 01 Additional Insured - Designated Person or Organization (6).
All ISO EP formsEmployment-related practices liability forms by insurer
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
| State | Filings | Avg |
|---|---|---|
| CA | 4 | +21.9% |
| ID | 4 | +14.5% |
| GA | 2 | -17.2% |
| IN | 1 | -3.6% |
| LA | 1 | +10.7% |
| MA | 1 | +2.8% |
| MD | 1 | +10.7% |
| ME | 1 | +25.0% |
| Carrier | Avg | Filings |
|---|---|---|
| Federated Mutual Group5 states | +8.8% | 5 |
| CNA Insurance Group4 states | +5.0% | 5 |
| 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% |
| Jan 16, 2026 | CNA Insurance Group | ID | Employment Practices Liability Solutions Program | +27.7% | +27.7% |
| Jan 9, 2026 | CNA Insurance Group | ID | Employment Practices Liability Solutions Program | +27.7% | +27.7% |
| Sep 25, 2026 | Munich RE Group | ME | Public Entity | +25.0% | +31.8% |
| Feb 28, 2026 | Tokio Marine Holdings Incorporated Group | CA | Executive Safeguard Plus | +20.7% | +522.0% |
| Dec 17, 2025 | CNA Insurance Group | MO | Employment Practices Liability Solutions Program | +17.3% | +98.0% |
| Jul 22, 2026 | CAMICO Mutual Insurance Company | CA | Employment Practices | +13.8% | +38.1% |
Recent updates
| Product | Carrier | Status | Filings | Latest |
|---|---|---|---|---|
| Employment Practices Liability | Sentry Insurance Group | Other | 4 | Nov 3, 2026 |
| Epl Form Filing 2026-03-0721 | Travelers Group | Revised | 33 | Nov 2, 2026 |
| the Westchester Portfolio Management Liability Policy Employment Practices Liability Coverage Section | Chubb Limited Group | Other | 18 | Nov 2, 2026 |
| Epl Endorsement Filing 2026-07-0781-Ru-Rf | Travelers Group | Revised | 1 | Nov 2, 2026 |
| ISO Based Product | Church Mutual Group | Other | 9 | Oct 30, 2026 |
| Stone Falls Insurance Specialty Program - Employment Practices Liability | Incline Insurance Group LLC Group | Revised | 1 | Oct 29, 2026 |
Top carriers
Top states
Insurance forms library
Form programs
Form examples
- EP 00 01: Employment Practices Liability Insurance Coverage Part
- EP 01 20: Liability to Non-Employees
- EP 01 21: Nuclear Energy Liability Exclusion Endorsement
- EP 20 01: Additional Insured - Designated Person or Organization
- EP 20 02: Additional Insured - Controlling Interests
- EP 28 01: Extended Reporting Period Endorsement