Employment Practices Liability - Franchise Groups

Franchise employers are a prime target for employment related litigation due to their association with a large brand name. Our EPL product is designed with the franchise business owner in mind. The policy form is designed for business operating under a franchise agreement and our free HR Pilot™ risk management service has been tailored with the franchise business model in mind and has the experience in providing HR advice specifically for franchisee operations.


  • Third Party Liability coverage, including ADA Access claims
  • Immigration Defense Coverage
  • Franchise Endorsement
  • Wage & Hour/ FLSA violations defense coverage is available for certain classes
  • Each policy comes with free risk management Service – HR Pilot™

Best For

  • Quick service and full service restaurants
  • Coffee, smoothie and other shops and bakeries
  • Gas stations
  • Retail stores including convenience stores, grocery stores, hardware stores
  • Pest Control, Mold and Fire remediation services, accounting services
  • Barber shops and hair salons
  • Printing and embroidery franchises

Summary of Coverage

Employment practices liability insurance (EPLI) provides protection for an employer against claims made by employees, former employees or prospective employees alleging, among other things: harassment, discrimination, wrongful termination, retaliation, negligent evaluation, failure to employ or promote, wrongful discipline, depravation of career opportunity, negligent infliction of emotional distress, violations of FMLA, ADA, USERRA and other similar laws. Our affinity / franchise program is a key differentiator in the EPL marketplace. This program is designed for businesses operating under a franchise agreement and/or affinity groups with similar business operations and exposures.

Tokio Marine HCC's underwriters were among the first to develop an EPLI program. Our EPLI program offers broad policy coverage language for discrimination, harassment and inappropriate employment conduct, including hostile work environment, failure to hire or promote, wrongful demotion, negligent evaluation, deprivation of career opportunity, retaliation, wrongful discipline, libel, slander, defamation of character and invasion of privacy.

The EPLI staff at Tokio Marine HCC-Professional Lines Group is experienced and knowledgeable, enabling an innovative approach to working with brokers and meeting clients’ needs.

Additionally, our HR Pilot™ risk management services are available to all policyholders at no additional charge and include comprehensive services such as unlimited HR support, step-by-step procedures for common HR issues and employment law updates via e-mail.

Why Tokio Marine HCC?

Tokio Marine HCC is a leading specialty insurance group with offices in the United States, Mexico, the United Kingdom and Europe, transacting business in approximately 180 countries and underwriting more than 100 classes of specialty insurance. Our products and capabilities set the standard for the industry, and many of our almost 3,000 employees are industry-leading experts. Each of our highly entrepreneurial businesses are equipped to underwrite special situations, companies and individuals, and acts autonomously to deliver effective solutions. 
financial strength

Our financial strength ensures our clients will always be protected.

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holistic portfolio

Our holistic portfolio of products includes more than 100 classes of specialty insurance

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tokio marine

Tokio Marine HCC is part of Tokio Marine, one of the largest P&C insurers in the world

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