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Employment Practices Liability

Employment-related lawsuits are some of the fastest-growing types of civil litigation in the United States. To meet this threat, Physicians Insurance offers Employment Practices Liability (EPL) endorsement coverage to meet our members’ human resource needs.

Our standard Employment Practices Liability (EPL) endorsement includes:
  • Up to $100,000 per insured event for the defense and costs of employment-related claims, with a $2,500 deductible (effective 1/1/14). It is built into most of the professional liability policies at no extra charge
  • Members-only access to HReSource, which provides useful updates and comparisons on federal and state laws, state compliance guides, forms, posters, job descriptions, and more
  • Telephone consultation for employment practices issues
Upgraded coverage for employment-related lawsuits is available to qualified applicants as a separate policy through our Agency.

This policy uses the $100,000 endorsement as a deductible to offer significant premium savings and can include the following additional benefits:
  • Higher Limits
  • Expanded HReSource tools, including online training programs and audio conferences
  • Unlimited access to HR consultants and online contact with forms, checklists, federal and state updates, and HR Express updates
  • Sublimit of $50,000 to $100,000 for claims involving federal or state wage and hour laws
  • Sublimit of $100,000 for employment liability claims arising from the actions of a state-approved CQIP (Coordinated Quality Improvement Program).

Contact me!
To learn more about ways to protect your practice from employment-related claims, call me at (206) 343-7300 or (800) 962-1399, or e-mail me at

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Physicians Insurance Agency
Physicians Insurance Agency is licensed under the name of Association Insurance Services, Inc. Physicians Insurance Agency/Association Insurance Services, Inc. is licensed to do business in Washington, Oregon, and Idaho.

NOTE: These brief descriptions do not offer or change coverage. All insurance policies are controlled by the terms of the policies.

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