EPL Coverage

As a leading program manager in the hospitality business for over 25 years, we tailor an insurance program to the unique operations, exposures and state requirements of each risk, resulting in a customized insurance program that fits your clients’ needs. Axiom recognizes the need for you to provide complete coverage for your client. Your client has as good a chance of becoming involved in litigation for an Employers Liability infraction as they do for an Assault & Battery claim or that of Liquor Liability. Statistics show a businesses is more likely to face an employment related claim than a property or general liability claim. Our EPL Program is a state-of-the-art liability policy with broad language and a multitude of enhancements.

Policy Features:	Ineligible Operations:
Third Party Liability Coverage offered on most accounts Duty to defend with the Insured having the right to assume the defense Broad definition of Claim including written demands for monetary or non- monetary relief and fact-finding EEOC proceedings Broad definition of Insured including the Company, all employees and any leased employees Broad definition of Loss including punitive damages with most favored venue wording* Non-cancelable by the Insurer except for non-payment of premium 90-day post-policy claims reporting Automatic conversion to run-off coverage if change of control takes place Automatic coverage for employees of certain newly created, acquired or merged companies Spousal coverage extension Risk Management program available to all policyholders through the outside law firm Jackson Lewis, including a toll free hotline. * Available in Most States	Employment Placement Agencies Government / Public Entities Gun / Firearms Related Investment Banking Entities Law Firms Mortgage REIT’s Securities Brokers / Dealers Tobacco Adult Entertainment

Policy Features:

Ineligible Operations:

Third Party Liability Coverage offered on most accounts
Duty to defend with the Insured having the right to assume the defense
Broad definition of Claim including written demands for monetary or non- monetary relief and fact-finding EEOC proceedings
Broad definition of Insured including the Company, all employees and any leased employees
Broad definition of Loss including punitive damages with most favored venue wording*
Non-cancelable by the Insurer except for non-payment of premium
90-day post-policy claims reporting
Automatic conversion to run-off coverage if change of control takes place
Automatic coverage for employees of certain newly created, acquired or merged companies
Spousal coverage extension
Risk Management program available to all policyholders through the outside law firm Jackson Lewis, including a toll free hotline.

* Available in Most States

Employment Placement Agencies
Government / Public Entities
Gun / Firearms Related
Investment Banking Entities
Law Firms
Mortgage REIT’s
Securities Brokers / Dealers
Tobacco
Adult Entertainment

Coverage and Limits Available (Maximum Limits)
Limits available up to $10,000,000 and as low as $100,000 in most states

Submission Requirements
Completed EPL Application (see application section of the Axiom Website)

Miscellaneous
Carrier: A.M. Best Rated A (Excellent) XIV admitted paper in most states. Minimum Premium: The minimum premium for a $1 million limit can be as low as $1,300. “Lower limits available depending on the state with minimum premium as low as $900”

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