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
18
Carriers
10
Avg impact
+9.3%
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% |
| MA | 2 | +21.3% |
| HI | 1 | -15.0% |
| IN | 1 | -3.6% |
| LA | 1 | +10.7% |
| MD | 1 | +10.7% |
Largest average moves
| Carrier | Avg | Filings |
|---|---|---|
| Tokio Marine Holdings Incorporated Group1 states | +20.7% | 1 |
| Hawaii Insurance Bureau, Inc.1 states | -15.0% | 1 |
| CAMICO Mutual Insurance Company1 states | +13.8% | 1 |
| Federated Mutual Group5 states | +13.3% | 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% |
| 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% |
| Oct 1, 2025 | Federated Mutual Group | MA | Erpl | +27.4% | +140.8% |
| Oct 1, 2025 | Federated Mutual Group | MA | Erpl | +27.4% | +35.8% |
| Oct 1, 2025 | Federated Mutual Group | MA | Erpl | +27.4% | +143.0% |
| Feb 28, 2026 | Tokio Marine Holdings Incorporated Group | CA | Executive Safeguard Plus | +20.7% | +522.0% |
Recent updates
| Product | Carrier | Status | Filings | Latest |
|---|---|---|---|---|
| Beazley Execuguard | Beazley Group | Revised | 38 | Sep 15, 2026 |
| Employment-Related Practices Liability Advisory Prospective Loss Costs | Hawaii Insurance Bureau, Inc. | Revised | 1 | Sep 14, 2026 |
| Travelers Wrap 2.0 Employment Practices Liability Rate/Rule Filing 2026-01-0743 | Travelers Group | New | 1 | Sep 14, 2026 |
| Everest Expedition Not for Profit Management Liability | Everest Reins Holdings Group | Revised | 4 | Sep 11, 2026 |
| Forcefield Healthcare Organizations Employment Practices Liability - Standalone | Fairfax Financial Group | Revised | 3 | Sep 8, 2026 |
| Employment Practices Liability Insurance | WR Berkley Corporation Group | Other | 2 | Sep 2, 2026 |
Top carriers
Chubb Limited Group334
Fairfax Financial Group62
CNA Insurance Group58
Tokio Marine Holdings Incorporated Group52
Travelers Group43
Beazley Group38
Markel Corporation Group33
West Bend Mutual Insurance Company22
Top states
CT44
NC43
LA38
GA33
AR28
KY27
CO25
ID23