BestEPLI is operated by WJB Services, Inc. dba Bollinsure Insurance Services, an independent California insurance brokerage, CA DOI licence 0D94699. These terms are a contract between you and that agency. Our Privacy Policy is part of them.
Acceptance
By using this site you agree to these terms. If you do not agree, please do not use the site. If you are using it on behalf of a business, you confirm you are authorised to act for that business, and “you” means both you and it.
What this site is
This site is two things: a library of educational material about employment practices liability insurance, and an online tool that produces a pricing indication and then prepares and captures a signed carrier application for California employers. It is not legal advice, employment advice, tax advice, or personalised insurance advice about your particular situation. Nothing on it is an offer of insurance.
We write for California employers. Rates, statutes and carrier programmes referenced here are California-specific and change over time.
Indications are not quotes, binders, or offers to insure
This is the most important term on the page, so it is stated plainly.
Any pricing indication this site shows you is a modelled estimate, calculated from published programme rates using the handful of inputs you provided. It is not a quote, a binder, an offer to insure, or a guarantee of coverage, price, eligibility, or appetite. Submitting the application through this site does not bind coverage. No response generated by this website — on screen, by email, or in the PDF it produces — is a policy, a binder, a quote, or an offer to insure.
A carrier price exists only when a carrier returns one. Coverage exists only when an authorised carrier issues it, after underwriting, and confirms it in writing. Final premium, terms, retentions, exclusions and eligibility are determined by the carrier, not by this site and not by us. Do not cancel or let lapse any existing coverage until you have written confirmation that replacement coverage is bound.
Broker relationship and licensing
We act as an independent insurance broker. We are not an insurer, we do not have binding authority on this programme, and we do not decide whether you are accepted or what you are charged. We are not appointed to represent any single carrier on this site, and we are not affiliated with the carriers named in our educational content — those pages describe markets, they do not represent endorsement by, or of, anyone.
On standard placements the carrier pays our commission and there is no separate broker fee. If a fee would ever apply to your placement, we disclose it to you in writing before you commit, as California law requires.
Surplus lines and non-admitted carriers
Some EPLI risks can only be placed with a non-admitted, surplus lines insurer. Bollinsure does not hold surplus line broker authority itself; any excess and surplus lines placement is made through a licensed surplus line broker.
Where coverage is placed with a non-admitted insurer, that insurer is not subject to California’s financial solvency regulation and does not participate in the California Insurance Guarantee Association, so a claim would not be paid by that fund if the insurer became insolvent. Surplus lines placements also carry state taxes and stamping fees, and a separate disclosure that you sign before the placement is made. We will tell you before your risk goes to a non-admitted market.
Electronic transactions and signatures
If you choose to sign your application on this site, you are consenting to transact electronically under the federal ESIGN Act and California’s Uniform Electronic Transactions Act. Before you sign, you are asked to confirm your intent to be bound and told that your typed or drawn signature, printed name, title, timestamp and related audit data are attached to the application and have the same legal effect as a handwritten signature.
You may request a paper copy or withdraw your consent to sign electronically at any point before you submit, by emailing reviews@bollinsure.com. To read and keep the completed application you need a current browser and a PDF reader; a copy is emailed to you when you submit. You can also ask us to prepare your application from your answers without an electronic signature.
Your responsibilities
Insurance applications rely entirely on the truthfulness of the answers. You agree that the information you give us is accurate and complete, that you are authorised to give it for the business named, and that you will tell us if anything material changes before coverage is bound. A material misstatement or omission can affect eligibility, void coverage, or defeat a future claim — and it is the applicant, not the broker, who bears that risk.
You agree not to use this site to submit an application for a business you do not represent, to submit anyone else’s personal information without their permission, to scrape or bulk-download the site, to interfere with it or attempt to defeat its rate limits, or to use it in any way that breaks the law.
Calls, texts and email
When you submit an enquiry we will respond to it. If you give us a phone number and tick the separate contact-consent box next to the submit button, you consent to calls and text messages from Bollinsure Insurance Services at that number, including calls or texts placed with automated dialling or a prerecorded or artificial voice where those are used. Consent is not a condition of purchasing any goods or services — the box is optional, the form submits without it, and we will reply by email instead. Message frequency varies. Message and data rates may apply. Reply STOP to opt out, HELP for help, or email reviews@bollinsure.com. The full detail is in our Privacy Policy.
Rates, calculators, and content
Premium figures, rate tables, carrier programme details, statutory references and coverage descriptions on this site are drawn from published programme materials and public sources believed reliable at the time of writing, and they change. Carrier forms differ; the coverage your policy actually provides is what your policy says, not what this site says. Read the policy, and ask us about anything in it you are unsure of.
Educational content here is general information, not advice about your business, and it is not a substitute for advice from your own employment counsel on the underlying employment-law questions.
Intellectual property
The content, design, code, rate presentations and tools on this site are owned by us or our licensors, and are protected by copyright and other laws. You may read them, print them, and share links to them. You may not copy, republish, resell, or build a competing tool from them without our written permission. Carrier names and marks belong to their owners and appear here only to describe the markets we access.
Third-party links and services
Where we link out — to a carrier, a regulator, or a reference source — we do not control that site and are not responsible for its content, its accuracy, or its privacy practices. Following a link is your decision.
Disclaimers and limitation of liability
The site is provided “as is” and “as available”, without warranties of any kind, express or implied, including any implied warranty of merchantability, fitness for a particular purpose, or non-infringement. We do not warrant that the site will be uninterrupted or error-free, or that any indication it produces will match a carrier’s eventual price.
To the fullest extent permitted by law, we are not liable for indirect, incidental, special, consequential, exemplary, or punitive damages, or for lost profits, lost business, or lost data, arising from your use of this site. Nothing in these terms limits or excludes any liability that cannot be limited or excluded under applicable law, and nothing here limits the duties we owe you as your licensed insurance broker in an actual placement — those are governed by California insurance law and by our engagement with you, not by this page.
Governing law
These terms are governed by the laws of the State of California, without regard to its conflict-of-laws rules. Any dispute arising out of your use of this site will be brought in the state or federal courts located in California, and you and we consent to the jurisdiction of those courts. There is no arbitration clause and no class-action waiver in these terms.
Changes to these terms
We may update these terms. When we do, we update the “last updated” date at the top and at the bottom of this page before the change takes effect. Continuing to use the site after that means you accept the revised terms. If any provision is found unenforceable, the rest remains in force.
Contact
WJB Services, Inc. dba Bollinsure Insurance Services
3625 E Thousand Oaks Blvd Ste 292, Westlake Village, CA 91362
reviews@bollinsure.com · 562-COVWELL (562-268-9355)
California Department of Insurance agency licence 0D94699
Last updated August 1, 2026. We may update these terms; the date above reflects the latest revision. See also our Privacy Policy.