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
32
Carriers
10
Avg impact
+4.5%
Max increase
+42.9%
Max decrease
-90.4%
Rate impact by state
| State | Filings | Avg |
|---|---|---|
| ID | 6 | +12.1% |
| CA | 3 | +24.5% |
| MA | 3 | +23.9% |
| GA | 2 | -17.2% |
| IA | 2 | -10.7% |
| IN | 2 | -1.0% |
| 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 |
| Pennsylvania Lumbermens Group1 states | +10.0% | 1 |
| Federated Mutual Group13 states | +8.9% | 15 |
| AU Holding Company Group1 states | +7.0% | 1 |
| CNA Insurance Group4 states | +5.0% | 5 |
| Arch Insurance Group1 states | +2.8% | 1 |
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 |
|---|---|---|---|---|
| Asset Management Protector Premier Epl | Chubb Limited Group | New | 37 | Jun 22, 2026 |
| Epl Form Filing 2026-03-0721 | Travelers Group | Revised | 19 | Jun 19, 2026 |
| Employment Related Practices Liability | Federated Mutual Group | Revised | 2 | Jun 19, 2026 |
| Epl Form Filing 2026-03-0721-F | Travelers Group | Revised | 2 | Jun 19, 2026 |
| Epl Rule Filing 2026-03-0721-Ru | Travelers Group | Revised | 2 | Jun 19, 2026 |
| the Westchester Portfolio Management Liability Policy Employment Practices Liability Coverage Section | Chubb Limited Group | Revised | 10 | Jun 17, 2026 |
Top carriers
Chubb Limited Group296
Beazley Group72
Travelers Group71
Tokio Marine Holdings Incorporated Group65
Fairfax Financial Group59
CNA Insurance Group55
American Financial Group40
Markel Corporation Group29
Top states
CT54
NC43
GA37
KY33
AR32
LA32
ID25
MD25