Did you know there are over 330,000 physician group practices and approximately 135,000 dental practices in the U.S.? With ample opportunity and an ever-increasing need for employment practices liability (EPL), there has never been a better time to sell this insurance coverage.
Industry Trends
- In 2025, medical practices have been impacted by changes to how Americans access their healthcare: more concierge medicine, more urgent and ambulatory care, advancements in technology, and increases in telehealth and remote patient monitoring options. This can all impact employment practices-related claims.
- There has been a surge in applied behavior analysis (ABA) therapy practices for children — speech, physical and occupational-related therapies have been on the rise since 2020, with many practices offering both office and in-home services.
- As efforts to raise awareness about mental health issues have increased, so has the rise in mental health counseling centers (both in-person and telehealth). Some practices have even franchised and made carrying EPL a contractual requirement.
Despite the evolution of practices, the need for EPL remains constant. Discrimination, harassment and wrongful termination and retaliation claims are on the rise; to a small medical practice, even the defense of a “frivolous” claim can be costly and damaging.
What Does USLI Offer?
Our Medical Providers EPL product has comprehensive coverage for medical practices ranging from 3-200 full-time equivalent employees. Product highlights include:
- EPL including third-party discrimination and third-party harassment (included on most classes of business)
- $250,000 separate limit for defense costs for allegations of patient molestation included automatically (most classes of business)
- Fair Labor Standards Act (FLSA) $100,000 sublimit for defense costs and loss (all states except Florida and California)
- Defense outside the limit if a $500,000 limit or higher is chosen (does not apply to allegations of patient molestation or violations of FLSA)
- $50,000 of workplace violence, identity theft and kidnapping coverage included on all quotes
- Optional $50,000 limit for privacy breach expense available
- Free HR consulting hotline and online HR toolkit included — most small medical practices don’t have their own HR department!
Contact your underwriter to learn more or get a quote today!
Quoting Options
ONLINE SNAP.USLI.COM
PHONE 888-773-8754
EMAIL PROLINES@USLI.COM
