USLI’s Employment Practices Liability (EPL) product is designed to meet the changing needs of today’s workforce and the dynamic regulatory landscape confronting small businesses. Our enhanced EPL offering reflects a commitment to broader protection, simplified underwriting and competitive pricing — designed to provide our insureds with meaningful value at the point of sale. The result is a form that’s stronger, clearer and more aligned with the exposures our policyholders face every day.
One of the most impactful coverage enhancements in our EPL product is the $100,000 Defense and Indemnity Sublimit for Wage and Hour (FLSA) claims available in all states (except California; defense only in Florida). This enhancement recognizes that wage and hour disputes have become one of the most frequent and costly employment claims for businesses of all sizes. Whether stemming from misclassification, unpaid overtime, or recordkeeping errors, these allegations can generate significant defense expenses and settlement exposure. Providing indemnity coverage alongside defense costs underscores our proactive stance in helping insureds navigate this increasingly common employment challenge.
In Florida, where the legal environment surrounding wage and hour litigation continues to trend more aggressively, our EPL policy maintains a $100,000 Defense-Only Sublimit. This approach balances protection with disciplined underwriting, ensuring our coverage remains sustainable while still offering critical support for legal defense in these complex matters. Even with a defense-only construct, insureds benefit from expert representation, claims management guidance, and access to trusted legal counsel through our experienced EPL claims team.
Beyond these enhancements, this coverage continues to deliver the risk management advantages our insureds rely on, complimentary HR support through PeopleSystems, best-in-class online training via Traliant and responsive claims handling backed by decades of experience in management liability. As we look toward 2026, our focus remains steadfast: to underwrite EPL with precision, empathy and innovation — ensuring our policyholders have the confidence to lead their organizations, and their people, with peace of mind.
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