Employment Practices Liability

Protection from increasingly frequent and expensive employment-related lawsuits

Small business entrepreneur with insurance showing something to her team on her tablet.

A look at the numbers

60%

Percentage of U.S. companies sued by employees or former employees each year*

46%

Of employment cases result in a plaintiff verdict when taken to litigation*

$125K

Average defense costs for an EPLI case through trial*

*Kaufman Dolowich & Voluck, LLP (2014) IQRM – Intelligence Quotient for Risk Management: Employment Practice Liability

Built for small businesses

Thousands of small businesses use Counterpart’s insurance product offerings and risk management services to manage some of their most complicated risks

Technology

Business owner working on the computer

Example

Technology

State:

Missouri

Limit:

$2,000,000

Retention:

$10,000

Premium:

$3,403

Restaurant & Food Services

Plated food at a local restaurant

Example

Restaurant & Food Services

State:

New York

Limit:

$1,000,000

Retention:

$10,000

Premium:

$3,350

Consulting

Consultant meeting with a client

Example

Consulting

State:

New Jersey

Limit:

$1,000,000

Retention:

$10,000

Premium:

$4,616

Construction

Contractor working on a commercial job

Example

Construction

State:

Florida

Limit:

$1,000,000

Retention:

$10,000

Premium:

$5,295

Hospitality

Small business owner making drinks behind a counter

Example

Hospitality

State:

Maine

Limit:

$1,000,000

Retention:

$15,000

Premium:

$5,552

Delivery Service Providers

Delivery service person outside of their delivery truck

Example

Delivery Service Providers

State:

Massachusetts

Limit:

$1,000,000

Retention:

$15,000

Premium:

$5,856

Real Estate

Realtor and client have a meeting

Example

Engineers & Architects

State:

Washington

Limit:

$1,000,000

Retention:

$15,000

Premium:

$2,258

We cover 300 + more industries

Across all 50 states

State:

Limit:

Retention:

Premium:

What is covered?

Wrongful termination

Wrongful dismissal, discharge, or termination of employment

Harassment

Allegation of sexual, verbal, or physical harassment

Discrimination

Allegations of unfair treatment or termination due to race, color, gender, pregnancy, military service, sexual orientation, religion, age, or disability

Retaliation

Allegations of employers treating employees less favorably for reporting discrimination, participating in a discrimination investigation or lawsuit, or opposing discrimination

Third Party Liability

Alleged discrimination or harassment against a customer, client, or vendor

Wage & Hour Defense Costs available

Allegations related to payroll practices or policies; alleged misclassification of employees or unpaid wages; CA exempt

+ Much more

And dozens of other coverages that are designed to help business grow with less risk

Download our full coverage & appetite guide

How we’re different

Modular Forms

Quote multiple limits, retentions, and coverage options across all coverages

Others

Admitted & Surplus

More coverage options, from standard coverage to more unique, complex risks

Others
?

AM Best rating of A XV (Excellent)*

Underwritten by industry leaders with one of the strongest credit ratings from AM Best

Others
?

Risk assessment

Generate custom risk assessments with proprietary insights into the exposures your clients may face

Others
?

Multi-channel support

Get a quote in minutes, any where, and on any device via email, digital application, or API

Others
?

Underwriter on-call

Get support from underwriters with over >120 years of collective experience

Others
?
Counterpart Risk Engineer Manager, Brad Bahler

We’re behind you

Brad has over a decade of experience in management and professional liability underwriting. He managed one of the largest books of small business management liability risks at Travelers, where he was known for his deep understanding of coverage, outstanding submission response times, and boundless enthusiasm for the space.

Brad Bahler
Risk Engineer Manager

Claims Examples

Disability Discrimination

Cost: $50,000-$100,000

Time to resolve: 

6-12 months

Example

A construction company employed a laborer who had a heart condition that required them to miss a day or two of work each month for doctor’s appointments. After a few months, the laborer’s supervisor told them they needed to be on disability and terminated their employment. The laborer sued the construction company, claiming they had discriminated against them based on their disability and failed to engage in the interactive process by not exploring whether he could be moved to another role before they fired them. The laborer’s complaint requested back pay, front pay, punitive damages, attorneys’ fees, and court costs.

Underwritten by the world’s leading insurance providers

Counterpart’s products are unwritten by Aspen Specialty Insurance Company (AM Best Rating of A XV*), Evanston Insurance Company, a Markel® Company (AM Best Rating of A XV*), and Westfield Specialty® (AM Best Rating of A XV*).

Aspen InsuranceMarkel InsuranceWestfield Specialty