Most "instant quote" sites hand you a number and disappear. We give you a fast pricing indication on real 2026 California rates — then independent brokers shop the whole market, compare carrier appetite, and turn that indication into bindable options. An indication is the start, not the final answer.
We're independent — not tied to any single carrier. Your indication is just the opening move; from there we shop a deep bench of top-rated standard, specialty & E&S carriers to find the appetite, terms, and price that actually fit your business.
Carrier names are shown to indicate markets we access; availability and appetite vary by class, state, and underwriting. Not all carriers write every risk.
Any one of these can cost six figures to defend — win or lose. EPLI pays the lawyers and the settlement so a single complaint doesn't become your problem. Your general liability policy pays none of it.
A fired employee claims the dismissal broke the law or an implied contract.
Age, race, gender, disability, religion, pregnancy, gender identity, veteran status, and more.
Hostile work environment and sexual harassment claims — including electronic and third-party.
The fastest-growing category — claims an employee was punished for complaining.
Automated EPLI quotes are useful for one thing: a fast ballpark. But most are preliminary — still subject to eligibility checks, minimum requirements, underwriting review, and carrier approval before anything can actually bind. We give you the speed and the part the robots can't: independent judgment working for you.
For qualifying California businesses, our flagship fast-indication program (IIABCal / Tokio Marine HCC) bundles real risk-management tools and brand-new 2026 protections most policies charge extra for — or don't offer at all. If your business isn't a fit, we route you to a specialty market instead. The features below are specific to this program.
Unlimited calls to trained HR pros for any employment issue. Free for policyholders.
Online harassment-prevention training that meets California's 1hr / 2hr supervisor mandate — included.
$150,000 sublimit for immigration-related defense costs — added for 2026.
$150,000 sublimit covering workplace violence events — new this year.
Covers claims from customers and vendors, including disability-access discrimination.
Prior acts coverage is available, subject to underwriting — helping avoid a coverage gap.
Employers with 5+ employees must provide 1 hour of training to staff and 2 hours to supervisors, every two years. The program's HR Pilot® training meets and exceeds that — at no extra cost — so coverage and compliance arrive together.
A prior claim, a tough class, a big headcount, or a complicated story is where instant-quote sites say "declined." For us it's a starting point. We place harder-to-fit risks through specialty and excess & surplus (E&S) markets built for exactly these situations — most businesses are still very coverable.
Westchester, a Chubb company, is a leading specialty & E&S market. Chubb is one of the world's largest, most highly rated insurers — strong paper for risks the standard market won't touch.
We shop a deep bench of top-rated markets — AIG, CNA, The Hartford, Beazley, Berkley, Great American, Intact, Munich Re, USLI and more — to match your business to the right appetite. See every carrier we shop →
Depending on the risk, specialty coverage may be written on an admitted or a non-admitted (surplus lines) basis. We'll explain exactly what applies to you — in plain English.
For specialty risks we follow up personally — requesting any extra applications or details a carrier needs, then bringing back your best bindable options.
Real 2026 pricing, no email wall to see your number, and your signed application completed right here. Your indication is reviewed by a licensed California broker who shops the market — standard, specialty, and E&S — to turn it into bindable options, often the same business day.
Six quick inputs on real 2026 rates. This also checks whether you fit our fast-indication program or are a better match for one of our specialty markets.
The basics every carrier needs to shop your risk. Fields marked * are required.
List each location/entity (50%+ owned by the named insured). Add rows as needed.
Your workforce and the policies you have in place.
How many employees are located in:
Let us know whether there was any turnover — if yes, we'll ask for the counts.
Your insurance history. Honest answers here are what let us match you to the right carrier — a "yes" never disqualifies you, it just tells us which market to shop.
Optional $100,000 sublimit for wage & hour defense (min. $25,000 deductible). Must be elected at binding — no backdating. Subject to the supplemental questions and underwriter approval.
This is your official application, filled in with your answers. Review it below, then adopt your signature and submit — and we'll start shopping the market on your behalf.
Scroll through every page — the ring fills as you review.
Type your name and pick a style, or draw it. We'll apply it to the application's signature line.
Pick a style — your signature will appear like this:
By adopting a signature you agree it is the electronic representation of your signature for this application. Your signature appears live on the signature page above as you adopt it.
By signing and submitting, you confirm the information is true and complete to the best of your knowledge. This is not a binder or guarantee of coverage; final terms are subject to carrier underwriting and appetite. As your independent broker, we'll shop the market and follow up promptly to move you from indication to a bindable option.
Your completed, signed EPLI application is on its way to us — and a copy is in your inbox. Now the broker work begins: we'll shop your risk across our markets, compare carrier appetite, and bring back a bindable option, often the same business day.