Modern Employment Practices Liability Rating for Today's Workforce Risks
Employment Practices Liability Insurance (EPLI) protects organizations against claims involving wrongful termination, discrimination, harassment, retaliation, wage disputes, and other employment-related allegations. As employment regulations continue to evolve, insurers require sophisticated rating platforms capable of evaluating workforce characteristics, human resources practices, industry exposure, and underwriting risk. SelectRate enables carriers, Managing General Agents (MGAs), wholesalers, program administrators, and specialty liability insurers to configure, rate, test, govern, and deploy Employment Practices Liability products from one centralized commercial insurance rating platform. Whether you're writing standalone EPLI products or packaging EPLI with other management liability coverages, SelectRate provides enterprise-grade flexibility and governance.
Employment Practices Liability Rating calculates premiums using employer characteristics, workforce exposure, human resource practices, underwriting guidelines, and carrier pricing.
Premium calculations commonly evaluate:
Every exposure contributes to the final premium.
SelectRate supports virtually every EPLI insurance program.
Each program maintains independent pricing while sharing one enterprise platform.
Configure workforce exposure without software development.
Manage:
Workforce information automatically drives premium calculations.
Evaluate employment practices through configurable underwriting questions.
Review:
Responses automatically influence underwriting and pricing.
Employment Practices Liability relies heavily on prior claims experience.
Evaluate:
Claims history integrates directly into underwriting and premium calculations.
Configure Employment Practices Liability coverages.
Supports:
Coverage options remain configurable by carrier and product.
Employment Practices Liability underwriting is fully configurable.
Evaluate:
Underwriting decisions are automatically evaluated during rating. Learn more about Underwriting Rules Engine.
SelectRate performs complete EPLI premium calculations.
Evaluate:
Every calculation is fully transparent through Rating Worksheets and Rating Trace.
Automatically assign EPLI documentation.
Supports:
Documentation remains synchronized with every product version. Learn more about Forms Management, Endorsement Management.
Every Employment Practices Liability product should be validated before deployment.
Test:
Automated testing reduces production risk while improving pricing confidence.
Expose Employment Practices Liability rating through secure REST APIs.
Integrate with:
Every application uses the same centralized EPLI rating engine. Learn more about Insurance Rating API.
Every carrier maintains unique EPLI pricing.
Configure:
Carrier pricing remains configurable without modifying product logic. Learn more about Carrier Rate Multipliers, Carrier Rating Overrides.
Employment Practices Liability products evolve continuously.
Manage:
Organizations prepare future releases without affecting production. Learn more about Effective Date Management.
Every Employment Practices Liability product change is fully documented.
Track:
Organizations maintain complete governance across every EPLI product.
Insurance organizations modernize Employment Practices Liability rating to improve operational efficiency.
Benefits include:
Configure Employment Practices Liability products, automate underwriting, simplify pricing, and deploy modern EPLI insurance programs with SelectRate.