EPLIGuard Plus Insurance Plans
We understand the exposure so that you can properly insure your risk.
New Life Agency understands the Employment Practices Liability in your industry and is prepared to insure you against your current and future exposures.
We have underwritten a family of Employment Practices Liability insurance products exclusively for the Assisted Reproduction professionals where a Directors and Officers Liability policy is an option of coverage.
Please click on each plan for Plan Description.
:: EPLI writeNow! With Option: D&O writeNOW!
EPLI writeNOW! Premium And Deductible
Plan Description
EPLI writeNOW! Provides an Employment Practices Liability Insurance program for IVF Clinics, Surrogate Agency's, Egg Donor Agency's and all Professionals in the Assisted Reproduction industries.
New Life Agency is happy to offer a Risk Management Service available to all EPLI insured's at no additional cost.
Provides an unlimited HR support center, on-line training programs, and Internet-based HR Management system features and tools.
Simplified underwriting allows us to present quotes immediately to you as shown below.
| Deductible | Number of Employees |
$300/$300 Limit | $500/$500 Limit | 1MM/1MM Limit |
| $5,000 | 1-10 | $1,250 | $1,625 | $2,500 |
| $5,000 | 11-20 | $1,375 | $1,788 | $2,750 |
| $5,000 | 21-30 | $2,003 | $2,604 | $4,006 |
| $5,000 | 31-40 | $2,742 | $3,565 | $5,485 |
| $5,000 | 41-50 | $3,468 | $4,509 | $6,937 |
| $5,000 | 51-60 | $4,176 | $5,429 | $8,352 |
| $5,000 | 61-75 | $5,042 | $6,555 | $10,085 |
The following classes and mandatory endorsements apply to this rate sheet:
Medical Groups - Not available for Hospitals or Nursing Homes
- Full Hammer Clause Endorsement
- Stockholder/Partner Exclusion Endorsement
Additional Endorsements to be issued with the policy:
- Nuclear Incident Exclusion Clause
- War and Civil War Exclusion Clause
- Wage and Hour Defense Coverage Endorsement -
(Not available to public entities and unions) - Several Liability Clause - E1808N-0109
(Applies to all accounts except risks located in AK, CT, ME, NH, NY and RI)
Summary Of Benefits
| Broad Coverage | Broad coverage language for employment-related claims such as discrimination, harassment, wrongful termination, hostile work environment, failure to hire or promote, wrongful demotion, negligent evaluation, deprivation of career opportunity, retaliation, wrongful discipline, etc. |
| Part-Time Worker and Contractor Coverage | Insures the entity as well as all employees, including part-time, temporary, leased, seasonal and independent contractors who work exclusively for the insured. |
| Wage and Hour Defense Coverage | Wage and Hour defense coverage by endorsement for no AP (Not available to public entities and unions). Coverate is 25% of the limit. |
| Prior Acts Coverage | 100% prior acts coverage is included; excluding prior knowledge and any pending and/or prior litigation. |
| Intentional Acts Coverag | 100% intentional acts, downsizing, dishonesty, fraud or violation of law. |
| Punitive Damages Coverage | Punitive damages coverage where insurable by law |
| Worldwide Territory | Worldwide territory |
| Identity Theft Coverage | Improper disclosure of confidential Employee information resulting in identity theft. |
| Risk Management Services | Free NAS HReSource®: Risk management services available to all EPL insured's at no additional cost. Provides an unlimited HR support center, on-line training programs, and Internet-based HR Management system features and tools. |
Exclusions and Qualifications
Qualifications:
Must have a minimum of 3 full-time employees and no more than 75 full-time employees. (Full-time employees count as 1 employee. Part time employees count as 1/2 an employee. Seasonal and temporary employees count as 1/3 an employee).
Must not have experienced any employment-related claims/incidents, whether insured or not (excluding workers compensation claims), or been named as a defendant or respondent before any Federal, State or local EEO agency.
Must not have reduced staff or terminated more than 25% of the total employee count (excluding seasonal employees) in the last 24 months.
Must not have terminated any senior management within the last 18 months.
Must comply with all mandatory postings as required by federal and state laws.
Coverage cannot be bound under the terms and conditions of this program for Applicants that do not fall within the program qualifications; however, Applicants will be considered for coverage outside the program.
Exclusion of Classes:
The following classes are not eligible for the EPL writeNOW! Program:
- Health Clubs
- Home Health Agencies
- Hospitials
- Nursing Homes/Assisted Living
- Pharmaceutical Development & Research
- Risks located in Beverly Hills, CA
- Entertainment/Talent related risks
- Risks located in AK, AL, IL & KY
EPLI writeNow! Plus Premium And Deductible
Plan Description
EPLI writeNOW! Plus provides an Employment Practices Liability Insurance program with a Third Party coverage included for IVF Clinics, Surrogate Agency's, Egg Donor Agency's and all Professionals in the Assisted Reproduction industries.New Life Agency is happy to offer a Risk Management Service available to all EPLI insured's at no additional cost.
Provides an unlimited HR support center, on-line training programs, and Internet-based HR Management system features and tools.
Simplified underwriting allows us to present quotes immediately to you as shown below.
| Deductible | Number of Employees |
$300/$300 Limit | $500/$500 Limit | 1MM/1MM Limit |
| $5,000 | 1-10 | $1,563 | $2,031 | $3,125 |
| $5,000 | 11-20 | $1,719 | $2,234 | $3,438 |
| $5,000 | 21-30 | $2,504 | $3,255 | $5,008 |
| $5,000 | 31-40 | $3,428 | $4,456 | $6,856 |
| $5,000 | 41-50 | $4,335 | $5,636 | $8,671 |
| $5,000 | 51-60 | $5,220 | $6,786 | $10,440 |
| $5,000 | 61-75 | $6,303 | $8,194 | $12,606 |
The following classes and mandatory endorsements apply to this rate sheet:
Medical Groups - Not available for Hospitals or Nursing Homes
- Full Hammer Clause Endorsement
- Stockholder/Partner Exclusion Endorsement
- Patient abuse, molestation and harassment exclusion endorsement
Additional Endorsements to be issued with the policy:
- Nuclear Incident Exclusion Clause
- War and Civil War Exclusion Clause
- Wage and Hour Defense Coverage Endorsement -
(Not available to public entities and unions) - Several Liability Clause - E1808N-0109
(Applies to all accounts except risks located in AK, CT, ME, NH, NY and RI)
Summary of Benefits
| Broad Coverage | Broad coverage language for employment-related claims such as discrimination, harassment, wrongful termination, hostile work environment, failure to hire or promote, wrongful demotion, negligent evaluation, deprivation of career opportunity, retaliation, wrongful discipline, etc. |
| Part-Time Worker and Contractor Coverage | Insures the entity as well as all employees, including part-time, temporary, leased, seasonal and independent contractors who work exclusively for the insured. |
| Third Party Coverage | 100% Third Party coverage available. |
| Wage and Hour Defense Coverage | Wage and Hour defense coverage by endorsement for no AP - (Not available to public entities and unions) |
| Prior Acts Coverage | 100% prior acts coverage is included; excluding prior knowledge and any pending and/or prior litigation. |
| Intentional Acts Coverage | 100% intentional acts, downsizing, dishonesty, fraud or violation of law. |
| Punitive Damages Coverage | Punitive damages coverage where insurable by law |
| Worldwide Territory | Worldwide territory |
| Identity Theft Coverage | Improper disclosure of confidential Employee information resulting in identity theft. |
| Risk Management Services | Free NAS HReSource®: Risk management services available to all EPL insured's at no additional cost. Provides an unlimited HR support center, on-line training programs, and Internet-based HR Management system features and tools. |
Qualifications and Exclusions
Qualifications:
Must have a minimum of 3 full-time employees and no more than 75 full-time employees. (Full-time employees count as 1 employee. Part time employees count as 1/2 an employee. Seasonal and temporary employees count as 1/3 an employee).
Must not have experienced any employment-related claims/incidents, whether insured or not (excluding workers compensation claims), or been named as a defendant or respondent before any Federal, State or local EEO agency.
Must not have reduced staff or terminated more than 25% of the total employee count (excluding seasonal employees) in the last 24 months.
Must not have terminated any senior management within the last 18 months.
Must comply with all mandatory postings as required by federal and state laws.
Coverage cannot be bound under the terms and conditions of this program for Applicants that do not fall within the program qualifications; however, Applicants will be considered for coverage outside the program.
Exclusion of Classes: The following classes are not eligible for the EPL writeNOW! Program:
- Health Clubs
- Home Health Agencies
- Hospitials
- Nursing Homes/Assisted Living
- Pharmaceutical Development & Research
- Risks located in Beverly Hills, CA
- Entertainment/Talent related risks
- Risks located in AK, AL, IL & KY
D&O writeNOW! Option Premium And Deductible
The Directors and Officers Liability insurance program covers the entity, directors and officers, and employees for allegations and suits from customers/clients, bondholders, attorneys general, providers, vendors, regulatory agencies, competitors, investors and silent partners, creditors, and shareholders related to actual or alleged errors, omissions, misleading statements, neglect, breach of duty or act.
RATE SHEET when purchased with EPLI writeNOW or EPLI writeNOW! Plus
Simplified underwriting allows us to present quotes immediately to you as shown below.
| Deductible | Number of Employees |
$300/$300 Limit | $500/$500 Limit | 1MM/1MM Limit |
| $5,000 | 1-10 | $1,000 | $1,056 | $1,625 |
| $5,000 | 11-20 | $1,150 | $1,162 | $1,788 |
| $5,000 | 21-30 | $1,302 | $1,693 | $2,006 |
| $5,000 | 31-40 | $1,782 | $2,317 | $3,565 |
| $5,000 | 41-50 | $2,254 | $2,931 | $4,509 |
| $5,000 | 51-60 | $2,714 | $3,529 | $5,429 |
| $5,000 | 61-75 | $3,278 | $4,261 | $6,555 |
Endorsements to be issued with the policy:
- Nuclear Incident Exclusion Clause
- War and Civil War Exclusion Clause
- Full Hammer Clause
- Excluding Medical Malpractice claims
- Excluding Regulatory and Antitrust claims
- Several Liability Clause - E1808N-0109
(Applies to all accounts except risks located in AK, CT, ME, NH, NY and RI)
Summary Of Benefits
| Broad Coverage | Insures the entity, directors and officers and employees for allegations and suits from customers/clients, competitors, investors and silent partners, creditors, and shareholders |
| Actual or Alleged Coverage | Coverage for D&O related claims such as actual or alleged errors, omissions, misleading statements, neglect, breach of duty or act |
| Punitive Damages Coverage | Punitive damages coverage where insurable by law. |
| Prior Acts Coverage | 100% prior acts coverage is included; excluding prior knowledge and any pending and/or prior litigation. |
| Worldwide Territory | Worldwide territory |
| Risk Management Services | Free NAS HReSource®: Risk management services available to all EPL insured's at no additional cost. Provides an unlimited HR support center, on-line training programs, and Internet-based HR Management system features and tools. |
Qualifications
Qualifications:
75 or less full-time employees
Approval of the completed EPLI writeNOW! Application.
Must not have experienced any D&O related claims/incidents or been named as defendant or respondent before any federal, state or local agency.
A signed Declaration of No D&O Claims enclosed.
* If Applicant does not meet above requirements, please forward application along with the most current financial information (profit/loss statement including balance sheet) for D&O coverage re-consideration.
Coverage cannot be bound under the terms and conditions of this program for Applicants that do not fall within the program qualifications; however, Applicants will be considered for coverage outside the program.
For more information please contact a Customer Care Representative at:
877-952-LIFE (5433)