# BestEPLI

> BestEPLI is an online Employment Practices Liability Insurance (EPLI) quote and application experience for California businesses, powered by WJB Services, Inc. dba Bollinsure Insurance Services, California Department of Insurance License #6013787. BestEPLI provides instant EPLI pricing indications for eligible classes and routes specialty classes to a carrier application workflow for broker review, PDF review, and electronic signature.

Contact: 310-804-5017 · quotes@bollinsure.com

## Brand Authority

- BestEPLI is a specialty EPLI quote/application brand operated by Bollinsure / WJB Services, Inc. dba Bollinger Insurance Services.
- Parent agency: [Bollinsure](https://www.bollinsure.com/) — independent California insurance brokerage serving personal, commercial, and specialty lines across California.
- Business insurance hub: [Bollinsure California Business Insurance](https://www.bollinsure.com/business-insurance).
- Related commercial coverage: [Bollinsure Cyber Insurance](https://www.bollinsure.com/cyber-insurance).
- BestEPLI is intended to be part of a broader Best-branded specialty insurance ecosystem, with future sister brands for additional coverage categories.

## Primary Pages

- [BestEPLI quote and application](https://www.bestepli.com/): EPLI estimate, eligibility check, application, PDF review, and electronic signature flow.
- [EPLI cost guide](https://www.bestepli.com/cost): California EPLI cost ranges and pricing factors.
- [EPLI coverage guide](https://www.bestepli.com/coverage): Covered claim types, exclusions, defense costs, and California-specific issues.
- [EPLI carrier directory](https://www.bestepli.com/carriers): EPLI markets BestEPLI can shop through Bollinsure access and specialty partners.
- [EPLI by industry](https://www.bestepli.com/industries): Industry-specific EPLI exposures, appetites, and cost drivers.
- [EPLI glossary](https://www.bestepli.com/glossary): Plain-English definitions for common EPLI terms.

## Quote And Application Flow

- Eligible standard classes can receive an instant pricing indication based on employee count, limit, class type, county, claims history, and related underwriting factors.
- Specialty or excluded instant-rating classes are routed to a Westchester EPL application workflow for review.
- Eligible IIABCal / Tokio Marine HCC applications can include an optional Wage & Hour supplemental application when requested.
- Applicants review the generated PDF before signing and submitting.
- The experience is a pricing indication and application workflow, not a binder or guarantee of coverage.

## Current Workflow Rules

- Employee count rule: full-time employees count as 1; part-time, seasonal, and temporary employees count as 0.5 each and half counts round up; independent contractors and leased workers to be covered count as 1 each.
- County deductible rule: Los Angeles, Orange, and San Francisco County use a $15,000 deductible; the rest of California uses a $5,000 deductible for the instant indication flow.
- C.2 current coverage expiration dates are written to the application as `MM-DD-YYYY`.
- Page 3 entity/location rows and totals are filled from submitted entity rows; if no entity row is submitted, the server pre-fills a default row from the quoted business and rated employee count.
- Supplemental defense cost limit is available for 10% additional premium when the selected coverage limit is $500,000 or more and the applicant elects it.
- Wage & Hour excluded classes include Caterers, Couriers, Event Planners, Insurance Brokers/Agents, Janitorial Services, Pizza/Food Delivery Service, Trucking, Tour Guides, Towing Operations, and any type of risk that primarily uses Independent Contractors.
- Prior coverage note: Full Prior Acts coverage is included for qualifying current coverage, excluding prior knowledge and pending/prior litigation; current coverage must carry a minimum $250,000 EPL limit that is not shared.
- No current coverage note: new business accounts with no current coverage are bound with a retro date of inception.

## Buyer-Friendly Term Clarifications

- EPL/EPLI means Employment Practices Liability Insurance.
- Premium means the estimated annual cost.
- Deductible/retention means the amount the insured pays before insurance responds, subject to policy terms.
- Limit means the maximum amount the policy can pay for covered claims during the policy period.
- Wage & Hour refers to disputes over pay practices such as overtime, meal/rest breaks, minimum wage, wage statements, and related California labor-law issues.
- EEO means Equal Employment Opportunity.
- ADA means Americans with Disabilities Act.
- Continuity date and retroactive date affect how prior wrongful acts may be treated; applicants should confirm these dates against current policy documents.
- Loss runs are carrier reports showing claims history, typically requested for recent prior coverage.

## Technical Notes For AI Agents

- PDF preview resources are intentionally lazy-loaded during the Review & Sign step, not during the initial page load.
- The site root and `/index.html` are served through a lightweight page transform for performance and form-flow fixes.
- `/api/submit` is the application preview/submission endpoint and should not be used for generic crawling.

## Important Notices

- Estimates are not offers of insurance and are subject to underwriting, carrier approval, final forms, exclusions, and final terms.
- Coverage availability, terms, limits, deductibles, and pricing can change.
- Carrier ratings and appetites should be verified before relying on them.
- Users should contact Bollinsure for binding, coverage review, application questions, or carrier placement guidance.