⚙️ Workers’ Compensation Insurance

Coverage for work-related injuries and illnesses

Required by law in California, workers’ comp protects both your employees and your business if someone gets hurt on the job.

What It Covers:

• Medical expenses and rehabilitation

• Lost wages and disability benefits

• Employer liability (in case of a lawsuit)

• Death benefits for families in worst-case scenarios

Who Needs It:

• Any business with employees, including part-time and seasonal

• Sole proprietors and contractors may want optional coverage for themselves

• Businesses using 1099 workers should consult us to assess true classification

Value We Bring:

• Access to top-rated carriers, including Travelers

• Guidance on audits and payroll classifications

• Assistance navigating claims and preventing fraud

• Pay-as-you-go and bundled billing options available

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🛡️ EPLI – Employment Practices Liability Insurance

Coverage for employee-related lawsuits

Even with the best HR practices, employers face growing risks tied to employment-related claims. EPLI covers the legal costs if a current, former, or prospective employee brings a claim against your business.

What It Protects Against:

• Wrongful termination

• Harassment (sexual or otherwise)

• Discrimination (age, gender, race, disability, etc.)

• Retaliation

• Failure to promote or hire

• Breach of employment contract

• Inaccurate wage & hour claims (limited)

Who Needs It:

• Any business with employees

• Especially important for companies growing quickly or downsizing

• A must-have for industries with high turnover or client-facing roles

Why EPLI Matters:

• Legal defense is expensive—even when you’re not at fault

• Settlements and judgments can be financially devastating

• Can be bundled with your Business Owner’s Policy (BOP) or written stand-alone

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💡 Why These Coverages Work Together

• Workers’ Comp handles physical injury claims.

• EPLI handles emotional, financial, or reputation-based claims.

• Together, they form a solid foundation for smart risk management and compliance.

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🙋 Frequently Asked Questions

Is workers’ comp legally required in California?
Yes. All employers must carry workers’ comp—even if you only have one part-time employee.

Can I get EPLI coverage as a small business?
Absolutely. EPLI isn’t just for large corporations. Small and mid-sized businesses are just as vulnerable to employment claims and often have fewer resources to defend themselves.

What if I use 1099 contractors instead of W-2 employees?
Misclassification is a major issue. We’ll help you determine your exposure and advise on when coverage is still a smart move—or a legal requirement.

Is EPLI included in a general liability policy?
No. EPLI must be added on separately. Some business owner’s policies (BOPs) offer endorsements, but we often recommend a broader stand-alone EPLI policy depending on your risk.

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📞 Let’s Review Your Coverage

We’ll help you protect the business you’ve worked so hard to build—with coverage that’s legally compliant and financially smart.

Call: 805-328-5001
Email: info@aecriskmanagement.com