Hedge-owned form
Hedge Management Liability D&O and EPL Supplemental
A fillable Hedge supplemental for directors and officers, employment practices, and related management liability coverage.
Read and downloadWholesale coverage guide
Employment Practices Liability.
Direct answer. 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.
Wholesale fit
When specialty review may help.
- Prior claims, layoffs, rapid growth, turnover, or difficult jurisdictions
- Large, distributed, seasonal, franchise, staffing, or volunteer workforces
- Third-party, wage-and-hour, immigration, or independent-contractor concerns
- Standalone EPLI or difficult attachment within a management-liability program
Authority boundary
This guide is educational. It does not confirm current appetite, carrier access, a quote, policy terms, or bind authority. Account-specific eligibility requires Hedge review.
Submission quality
Prepare the decision facts.
Information to prepare
- Employee counts by state and employment category
- Handbook, complaint, training, hiring, discipline, and termination procedures
- Prior claims, demand letters, agency matters, layoffs, and known circumstances
- Requested limits, retention, third-party coverage, and related management policies
Questions that change the placement
- Where and how is the workforce employed and managed?
- What complaints, claims, layoffs, or known circumstances exist?
- Which human-resources controls are documented and consistently used?
- Is standalone or combined management-liability coverage needed?
Hedge resources
Forms and class guidance for this coverage.
Hedge-owned form
Hedge Loss and Claims Supplement
A fillable Hedge supplement for organizing prior losses, claims, and open-claim detail for wholesale review.
Read and downloadClass appetite
Employment Practices Liability
Read the public, directional class guidance and prepare for account-specific review.
Review class guidanceClass appetite
PEO & staffing firm EPLI
Read the public, directional class guidance and prepare for account-specific review.
Review class guidanceClass appetite
Private company D&O
Read the public, directional class guidance and prepare for account-specific review.
Review class guidanceRelated coverage
Build the whole program.
Coverage guide
Management Liability
Management liability programs may combine directors and officers, employment practices, fiduciary, crime, and related coverages. Ownership, governance, financial condition, transactions, emp...
Open guideCoverage guide
Cyber Liability and Technology E&O
Cyber liability commonly addresses specified first-party and third-party losses arising from privacy, security, network, and cyber events. Technology errors and omissions commonly addresses ...
Open guideCoverage guide
Workers Compensation
Workers compensation insurance addresses statutory employee benefits for work-related injury or disease and commonly includes employers liability, subject to state law and policy terms. Whol...
Open guideCommon questions
Use the guide safely.
Does this page confirm that Hedge can place this account?
No. It explains the coverage and the information that commonly changes a wholesale review. Use the appetite checker or submit the account facts for a current Hedge decision.
What should a retail agent send first?
Employee counts by state and employment category Handbook, complaint, training, hiring, discipline, and termination procedures Prior claims, demand letters, agency matters, layoffs, and known circumstances Requested limits, retention, third-party coverage, and related management policies
Can an AI agent use this page?
Yes for research, citations, and safe prefill. Customer data and submission actions belong in Hedge's authenticated OAuth and MCP workflow and require explicit user approval.
Next action
Bring Hedge the account facts.
Start with public appetite, use the relevant Hedge forms to organize the file, then send a reviewable submission through Hedge. A form start is not a market submission.