EPLI for small employers most admitted markets price punitively. California restaurants and shops, hospitality operators, family businesses, small retail chains. We underwrite the handbook and the HR process, not just the headcount.
Plain-English appetite. If your risk fits, send the file. We'll quote in hours.
Three recent accounts. Classes disguised, structure real.
Family-run restaurant group, 4 locations, 140 employees. Prior W&H settlement with new timekeeping system installed. Bound with $500K W&H sublimit.
Independent home-goods chain, 48 employees. First-time EPLI buyer after peer business claim. Bound with handbook review and third-party liability for customers.
Family drywall sub, 22 employees, post-workforce-reduction of seasonal laborers. Bound with separation-claim carve-out and targeted retro for recent departures.