Provided by Cyber & Professional Lines Group

Franchise and Affinity Groups Employment Practices Liability (EPL)

Employment Practices Liability (EPL) insurance provides protection for an employer against claims made by employees, former employees or prospective employees alleging, among other things

Target classes

  • Quick Service and Full-Service Restaurants
  • Coffee, Smoothie and other Shops and Bakeries
  • Gas Stations

  • Retail Stores, including Convenience Stores, Grocery Stores, Hardware Stores

  • Pest Control, Mold and Fire Remediation Services
  • Accounting Services
  • Barber Shops and Hair Salons
  • Printing and Embroidery Franchises

Highlights

  • Third-party liability coverage, including ADA access claims
  • Immigration defense coverage
  • Franchise endorsement

  • Wage & Hour/ FLSA violations defense coverage available for certain classes

  • Each policy comes with our free risk management service – HR Pilot™

Franchise employers are a prime target for employment-related litigation due to their association with large brand names. Employment Practices Liability (EPL) insurance provides protection for an employer against claims made by employees, former employees or prospective employees alleging, among other things: harassment; discrimination; wrongful termination; retaliation; negligent evaluation; failure to employ or promote; wrongful discipline; depravation of career opportunity; negligent infliction of emotional distress; and violations of FMLA, ADA, USERRA and other similar laws.

Tokio Marine HCC advantage

Our underwriters were among the first to develop an EPL insurance program. The team at TMHCC is experienced and knowledgeable, enabling an innovative approach to working with brokers and meeting clients’ needs.

Our HR Pilot™ risk management services are available to all policyholders at no additional charge and include comprehensive services such as unlimited HR support, step-by-step procedures for common HR issues and employment law updates via email.

For product inquiries or submissions: [email protected]

Summary of coverage

Broad policy coverage language for discrimination, harassment and inappropriate employment conduct, including: hostile work environment; failure to hire or promote; wrongful demotion; negligent evaluation; deprivation of career opportunity; retaliation; wrongful discipline; libel; slander; defamation of character; and invasion of privacy

Our affinity / franchise program is a key differentiator in the EPL insurance marketplace. This program is designed for businesses operating under a franchise agreement and/or affinity groups with similar business operations and exposures

Get in touch
Chris Murphy

Senior Vice President, Underwriting - EPL

Vanessa Lujan

Senior Underwriter

Documents & forms

Your team

Directory
Head office

2180 Harvard Street Suite260,
Sacramento, CA 95815

(916) 568-7818
Chris Murphy

Senior Vice President, Underwriting - EPL

Vanessa Lujan

Senior Underwriter

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why choose tmhcc

Why choose Tokio Marine HCC?

Tokio Marine HCC is a leading specialty insurance group with offices in the United States, Mexico, the United Kingdom and Europe, transacting business in approximately 180 countries and underwriting more than 100 classes of specialty insurance.

More about us Financial strength

Not all products, coverages, or features may be available in all states. Restrictions, exclusions, limitations, and conditions apply and you should see your agent for more information. Certain products and services are provided through non-admitted insurance carriers and are not subject to certain State Guaranty Funds.