Professional and management
Hedge Management Liability D&O and EPL Supplemental
A fillable Hedge supplemental for directors and officers, employment practices, and related management liability coverage.
View form and fillable PDF →Class and coverage guide
Employment Practices for Employment Practices Liability.
Direct answer. Employment Practices Liability is included in Hedge's published target coverage for Employment Practices Liability under the line EPL, with a published target of $3M / $3M. The current public class status is in current public appetite. Hedge must confirm current fit, route, and available terms after reviewing the real account.
Coverage context
What this coverage question means.
Employment practices liability commonly addresses specified claims involving employment-related wrongful acts such as discrimination, harassment, retaliation, or wrongful termination. Workforce composition, locations, policies, prior matters, wage-and-hour exposure, and requested third-party coverage can materially affect the placement.
Class context. EPL for any commercial risk, including third-party (customer harassment).
Terms depend on the policy and account
This page does not interpret a policy or promise coverage. Actual coverage depends on the issued forms, endorsements, exclusions, conditions, limits, and facts accepted by the insurer.
Underwriting facts
What changes the answer.
- Employee count + state breakdown
- HR function: in-house or outsourced?
- 5-year claims history
- Recent layoffs / RIFs
Conditions that need closer review
- California-heavy workforce
- Recent layoffs in last 18 months
- Industries with high turnover (restaurants, retail)
- Active EEOC investigation
- Pending class-action (wage/hour, harassment)
Stronger starting profile
Controls and facts to surface.
- 50-500 employees, in-house HR
- Standard handbook + training
- Clean claims history
Hedge forms
Useful class-specific preparation resources.
These Hedge-owned forms may help organize the account. A form listing does not make the form mandatory for every submission and does not prove appetite or market access.
Any risk
Hedge Loss and Claims Supplement
A fillable Hedge supplement for organizing prior losses, claims, and open-claim detail for wholesale review.
View form and fillable PDF →Standard form references
Common commercial form sections to understand.
Use the edition accepted by the intended market. Hedge explains these form purposes but does not republish ACORD files in its public form library.
ACORD 825
Professional and Specialty Insurance Applicant Section
The applicant section used with management, executive, and professional liability coverage sections. It organizes common applicant, ownership, financial, prior insurance, and claims facts before line-specific detail is added.
Read form guide →ACORD 827
Employment Practices Liability Insurance Section
The employment practices liability section used to describe workforce, locations, human-resources controls, layoffs, complaints, claims, and requested EPL coverage.
Read form guide →State detail
Published class-specific state notes.
CA / Review case by case
Employment Practices Liability in CA
PAGA exclusion may apply. California exposure individually rated.
Open state appetite →Next step
Build the account before choosing a route.
Open the class submission guide for the first-packet checklist, then have Hedge review the actual account. Do not infer a carrier, route, or authorization from this public page.