Headcount is the base, then industry, claims history, retention, and limit. Two things carry extra weight for a California employer. Underwriters look closely at wage and hour practices, because that is where the largest claims begin even though the policy usually excludes them. They also ask what documentation exists: the written policy, the training records, the handbook, and how complaints are investigated. EPLI generally costs more in California than in most other states. That reflects the breadth of the labor code, the size of jury verdicts here, and settlement history in this state, rather than any one carrier’s method.
Related FAQs
Yes, certain claims can come from applicants. EPLI may respond depending on the allegation.
Good practices reduce risk but do not prevent claims from being filed. Defense alone can be costly, which is why many careful employers carry it.
Sometimes the defense, almost never the wages. Some carriers exclude wage and hour claims outright. Others add an endorsement with a sublimit that pays defense costs only, which stops ...
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