Motorists Mutual Insurance Co. will automatically include $100,000 of employment practices liability insurance (EPLI) in most commercial policies starting in April.
This change gives agents an additional selling tool, according to Grady B. Campbell, vice president of property/casualty marketing. “No application is needed, and separate underwriting is not necessary,” he said.
Customers who do not want the coverage may “opt out” in writing.
The EPLI premium is calculated based on the number of employees and type of business. Limits of $300,000 will be available upon request. Coverage will be written on a “claims made” basis with defense cost within the limits. A $5,000 deductible will apply to each claim.
Classes of business that will not be eligible for EPLI include: employment agencies, health care facilities, entertainment businesses, law firms, government entities and schools. The following types of dealers also will not be eligible for EPLI coverage on a portfolio basis: auto, truck, motorcycle and RV.
Motorists Mutual is the lead company in The Motorists Insurance Group. Motorists Mutual Insurance Co. was formed in Columbus, Ohio in 1928 and sells individual and commercial property and casualty insurance through independent agents in Ohio, Indiana, Kentucky, Pennsylvania and West Virginia.
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