Provided by Cyber & Professional Lines Group

Employment Practices Liability (EPL)

Growing awareness of individual employment rights and more stringent legislation provide employees with a platform to sue for wrongful employment practices with ever-increasing success.

Target classes

  • Franchisees, including Restaurants, Gas Stations, Convenience Stores and Grocery Stores

  • Accountants
  • Architects, Engineers and Contractors
  • Manufacturers, Machine Shops and Commercial Printers

  • Non-Franchised Restaurants
  • Retailers and Wholesalers / Distributors


  • Third-party liability coverage, including ADA access claims

  • Immigration defense coverage
  • Franchise endorsement for franchise risks
  • Wage & Hour / FLSA violations defense coverage is available for certain classes

  • Each policy comes with our free risk management service – HR Pilot™

Tokio Marine HCC advantage

Our underwriters were among the first to develop an EPL insurance program. The team at TMHCC is experienced and knowledgeable, enabling an innovative approach to working with brokers and meeting clients’ needs.

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 email.

For product inquiries or submissions: [email protected]

Summary of coverage

  • EPL insurance 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; deprivation of career opportunity; negligent infliction of emotional distress; violations of FMLA and USERRA; and other inappropriate employment conduct

  • Our affinity / franchise program is a key differentiator in the EPL insurance marketplace. This program is designed for businesses operating under a franchise agreement and/or affinity groups with similar business operations and exposures

Your team

Head office

37 Radio Circle Drive
Mount Kisco, NY 10549

Chris Murphy

Senior Vice President, Underwriting - EPL

Vanessa Lujan

Senior Underwriter

why choose tmhcc

Why choose 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.

More about us Financial strength

Not all products, coverages, or features may be available in all states. Restrictions, exclusions, limitations, and conditions apply and you should see your agent for more information. Certain products and services are provided through non-admitted insurance carriers and are not subject to certain State Guaranty Funds.