EPLI for your industry.

Employment risk isn’t the same across the board. Here’s how California EPLI exposure, common claims, and pricing actually play out by industry — and how we place each one.

Restaurants & Hospitality HIGH RISK

High turnover, young workforce, and tip/wage friction make hospitality one of the most claim-prone classes.

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Staffing & Light Industrial HIGH RISK

Co-employment exposure and large temporary workforces make staffing a specialty-market class.

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Nonprofits MODERATE RISK

Volunteer mixes, lean HR, and board exposure give nonprofits a distinct EPLI profile.

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Retail MODERATE RISK

Hourly staff, customer interaction, and seasonal hiring shape retail EPLI exposure.

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Healthcare HIGH RISK

Licensed staff, shift work, and high regulation make healthcare a frequent-claim class.

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Professional & Tech LOWER RISK

Office-based professional and tech firms are typically the most favorably-rated EPLI class.

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Risk levels are general EPLI underwriting characterizations, not guarantees of price or availability. Every account is underwritten individually.