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Insurance EPLI Application

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EMPLOYMENT PRACTICES LIABILITY INSURANCE APPLICATION

Applicant Name:   DBA/Trade Name:

1. APPLICANT / INSURED INFORMATION

2. POLICY DETAILS

Requested Policy Type:

Policy Period From:   To:   Retroactive Date (if applicable):

Prior Acts Coverage Requested:

3. EMPLOYMENT PRACTICES INFORMATION

Do you maintain written employment policies (harassment, discrimination, termination)?  

Are employees subject to mandatory arbitration of employment disputes?  

Do you use employment agreements with confidentiality or non-compete terms?  

4. CLAIMS / LOSS HISTORY

In the past five (5) years, has any claim, suit, demand or administrative proceeding been made against the applicant or any past or present director, officer or employee?  

5. COVERAGE OPTIONS & SUBLIMITS

Defense Outside the Limit (DOC):

Third Party Harassment Liability:

6. EXCLUSIONS & ACKNOWLEDGEMENTS

Standard exclusions applicable to this application include but are not limited to claims arising from bodily injury/wrongful termination for non-employment related acts, asbestos, pollution, criminal acts by insured persons, and matters specifically excluded by endorsement. The applicant acknowledges these standard exclusions and understands that additional exclusions may be applied by underwriters.

Applicant Acknowledgement:

7. FRAUD NOTICE, AUTHORIZATION & CERTIFICATION

Fraud Warning: Any person who knowingly presents a false or fraudulent claim for payment of a loss or benefit or knowingly presents false information in an application for insurance is guilty of a crime and may be subject to criminal and civil penalties in accordance with applicable law.

Authorization: The applicant, on behalf of all persons and entities proposed for coverage, authorizes the release of employment practice, claims, loss, medical and personnel information to the insurer and its representatives for underwriting and claim investigation purposes. The applicant authorizes any past or present employer, insurance carrier, attorney, claims administrator or other person to provide such information. A photocopy of this authorization will be considered as effective and valid as the original.

Certification: I hereby certify that the statements in this application are true and complete to the best of my knowledge. I understand that the insurer may withdraw any quotation or cancel any policy issued if material misrepresentation or omission is subsequently discovered. I further agree to notify the insurer of any material change in the information provided herein prior to policy inception.

8. DESIGNATED PAYEE FOR RETURN PREMIUM (IF APPLICABLE)

9. IMPORTANT NOTICE

The completion of this application does not bind coverage. Coverage will be effective only upon issuance of a policy and payment of the required premium by the applicant, subject to the terms, conditions, limitations and exclusions of the policy. The insurer reserves the right to request additional information or clarification prior to binding coverage.

Applicant Name:

By:

Date:

The undersigned represents and warrants that he/she is authorized to sign this application on behalf of the person(s) and entity(ies) proposed for coverage and that the information contained herein is true and complete to the best of his/her knowledge.

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Overview: What an Insurance EPLI Application Is

An Employment Practices Liability Insurance (EPLI) application is the formal underwriting document carriers use to evaluate coverage for claims arising from employment practices, including wrongful termination, discrimination, harassment, and retaliation. The application collects business identity, payroll and employment metrics, claims and litigation history, risk management and HR policies, and requested limits or endorsements. Completed applications allow underwriters to price risk, set exclusions, and decide on bindable terms. Electronic completion and signature are generally accepted under the ESIGN Act (15 U.S.C. ch. 96) and UETA when all legal-validity elements are met.

Why a Complete EPLI Application Matters

A fully accurate EPLI application speeds underwriting, reduces coverage gaps, and improves binding certainty while documenting material facts used to evaluate premiums and exclusions.

Why a Complete EPLI Application Matters

Who Prepares and Reviews the EPLI Application

Typical parties complete or provide input to an EPLI application; responsibilities vary by role and organizational size.

  • Insurance brokers and agents who gather employer data, coordinate attachments, and submit the application to carriers.
  • HR or in-house counsel who provide payroll figures, disciplinary policies, and internal investigations history.
  • Business owners or risk managers for small and medium employers who supply final sign-off and coverage preferences.

Clear role assignment before beginning prevents delays and reduces the risk of inconsistent answers across sections.

Core Sections Found on a Professional EPLI Application

Most carrier applications follow a consistent structure to capture underwriting-relevant data and to document applicant representations.

Applicant Details

Legal name, DBA, FEIN/EIN, entity type, primary address and contact details; used to match policy, determine state law, and verify exposures.

Payroll & Workforce

Total payroll by employee class, number of full/part-time employees, seasonal workers, and independent contractor count; informs premium and exposure basis.

Claims History

Prior employment-related claims, dates, reserves, outcomes, and legal counsel involvement for five to seven years; central to underwriting decisions.

Risk Controls

Written HR policies, anti-harassment training records, investigation procedures, and disciplinary documentation demonstrating loss-control practices.

Coverage Requested

Desired limits, retention/deductible, retroactive date, and endorsements such as third-party liability or wage/hour coverage.

Authorization

Signature block, date, and consent for insurer to obtain loss runs and claim information; attests to truthfulness of responses.

Required Information at a Glance

Legal Name: Entity legal name
FEIN/EIN: Federal employer ID
Payroll Totals: Annual payroll
Employee Count: Full/part-time counts
Claims Summary: Prior 5–7 years
Authorized Signer: Name and title

Step-by-Step: Completing the EPLI Application

Follow this sequence to prepare a complete application and reduce rounds of follow-up from the carrier.

  • 01
    Gather Documents: Collect payroll, employee handbook, loss runs, and org chart.
  • 02
    Answer Application: Complete each section accurately and attach supporting files.
  • 03
    Review Internally: Have HR or legal review for consistency and material omissions.
  • 04
    Sign and Submit: Authorize signature and send to broker or carrier portal.

How to Customize and Complete the Application Online

Set up an electronic workflow to automate repeatable fields, require attachments, and track signer progress.

Field Configuration
Auto-fill Prepopulate company name, FEIN, address
Conditional Fields Show additional questions based on prior answers
Authentication Email, SMS code, or ID verification
Notifications Email alerts for outstanding signatures

Where to File or Send a Completed EPLI Application

Carrier and broker submission channels vary; confirm the preferred delivery method before sending the final application.

  • Carrier Portal: Upload completed application and attachments to insurer portal
  • Broker Submission: Broker transmits application and negotiates binding terms
  • Underwriting Email: Send to assigned underwriter when requested by carrier
  • Attachments: Include loss runs, payroll reports, and HR policies

Digital Signing and eSubmission: Platform Considerations

Choose a platform that supports secure e-signature, audit trails, file attachments, and industry integrations to simplify submission.

  • Authentication: Email, SMS code, or advanced methods
  • File Formats: PDF, DOCX accepted by most carriers
  • Integrations: CRM and document storage connections

Verify the carrier accepts electronic delivery and confirm any specific authentication or notarization requirements before submitting.

Common Timelines and Processing Expectations

Understanding typical turnaround times helps set internal deadlines and manage premium binding expectations.

Underwriting Review:

Usually 5–15 business days depending on complexity

Loss-Run Requests:

Receipts from prior carriers may add 7–21 days

Binder Issuance:

Binder can be issued same day to several business days

Policy Effective Date:

Set at applicant request or when premium and binder accepted

Premium Payment:

Often due at binding or per broker terms

Common Mistakes When Preparing an EPLI Application

  • Providing inconsistent entity names or FEINs that prevent automated matching and slow underwriting.
  • Failing to disclose prior claims or investigations, which can result in rescission or denial.
  • Submitting incomplete payroll breakdowns that lead to provisional premiums and audits.
  • Attaching unsigned or redacted loss runs that carriers return for complete documentation.

Penalties and Risks of an Incorrect or Incomplete Application

Coverage Denial: Possible claim denial
Rescission Risk: Policy rescission
Premium Adjustment: Retroactive chargebacks
Legal Exposure: Increased litigation risk
Underwriting Delay: Longer processing time
Broker Liability: Placement disputes

Real-World Examples of Electronic Application Use

Organizations across sizes have shifted EPLI application workflows online to reduce turnaround and centralize records.

Optica Ventures (COO)

Optica moved application workflows online to reduce processing time and centralize documents.

  • This simplified partner and client interactions.
  • "The interface is simple and easy-to-use for our team; more importantly, it is just as easy for our customers." — Brian Fitzgibbons, COO, Optica Ventures LLC

Martin Properties (Founder)

Martin Properties processes policy applications remotely for distributed teams.

  • Mobile execution enables faster bindings.
  • "I can process and execute all of these documents online with 100% compliance and built-in security. Whether on mobile or working offline, I can get forms back to their necessary parties efficiently." — Tim Martin, Founder, Martin Properties

Signatory Roles and Authorization

HR Manager

The HR manager supplies payroll figures, employee counts, and policy documents and often reviews claims history sections. They should ensure accuracy and provide documentation that supports statements made on the application.

Insurance Broker

The broker compiles documentation, coordinates carrier requests, and typically transmits the application to underwriting. Brokers confirm coverage intent and handle premium collection and binder issuance.

Supporting Documents Commonly Attached

Prepare standard attachments to accompany the application to expedite underwriting and verify disclosures.

Loss Runs

Carrier-formatted loss runs showing prior claims, reserves, and closed claim outcomes for the typical five- to seven-year underwriting window.

Payroll Reports

Recent payroll summaries by class and total payroll for the underwriting period used to calculate exposure-based premium.

Employee Handbook

Current written policies on harassment, discipline, investigations, and termination procedures demonstrating sound HR governance.

Prior Policies

Copies of expiring or prior EPLI policies and declarations pages showing retroactive dates, limits, and exclusions.

Practical Tips for Accurate and Efficient Completion

Adopt these practices to minimize underwriting friction and improve placement outcomes.

Assign Clear Responsibility
Designate a single point of contact to complete and review the application to maintain consistency and reduce internal contradictions or duplicated effort.
Pre-Collect Attachments
Gather loss runs, payroll, and policy documents before beginning the form to streamline completion and shorten carrier review time.
Use Electronic Workflows
Leverage e-signature and file-upload platforms to centralize records, maintain audit trails, and reduce turnaround associated with physical signatures.
Validate Critical Fields
Double-check FEIN, effective date, and payroll figures; errors in these fields commonly trigger underwriting follow-up or premium audits.

FAQs: Common Questions About the Insurance EPLI Application

Answers to frequent practical and legal questions encountered when preparing or submitting an EPLI application.


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eSignature Platform Pricing and Feature Comparison

Common eSignature vendor plans and a few capability distinctions relevant to completing and submitting EPLI applications. signNow appears first per vendor ordering rules.

signNow DocuSign Adobe Sign PandaDoc HelloSign
Starting Price $8/user/mo $15/user/mo $14/user/mo $19/user/mo $15/user/mo
Free Trial Yes, 7-day free trial Yes Yes Yes Yes
Bulk Send Yes Yes Yes Yes No
Audit Trail Yes Yes Yes Yes Yes
Envelope Cap No cap 100 envelopes/user/year Varies by plan Varies by plan Varies by plan
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