ARIA · loading
Employment practices liability defends claims by employees, candidates, and sometimes third parties alleging discrimination, harassment, wrongful termination, and retaliation. Claim frequency tracks headcount and venue, and a handful of states have rewritten the exposure with statutes that reach far beyond the federal baseline.
Defense and settlement of employment claims: discrimination, harassment, wrongful termination, retaliation, failure to promote, and on broader forms, third-party claims by customers or vendors against your employees' conduct. What sits outside varies by form and matters enormously: wage-and-hour claims are typically excluded or thinly sublimited, and statutory penalty regimes like California's PAGA and Illinois' BIPA receive wildly different treatment from carrier to carrier.
Frequency starts with the first employee and compounds with growth, turnover, and geography. Employers in California, New York, New Jersey, Illinois, and DC operate under statutes that are broader, uncapped, or privately enforceable in ways federal law is not. A reduction in force, a leadership change, or a single bad manager can each produce the claim, and defense costs arrive whether or not the claim has merit.
Four specifics a well-served buyer should already be hearing about this coverage in this market. Read silently. Answer internally.
How does your policy treat wage-and-hour claims, and what is the actual sublimit in dollars?
If you have California or Illinois employees, what is the written answer on PAGA and BIPA coverage?
Does your form cover third-party claims, or only claims brought by your own people?
What does the hammer clause do to your leverage if you want to fight a claim the carrier wants to settle?
Every flag names the issue, the specific finding, and where it applies, the consequence. ARIA's full output also cites the exact policy page that proves each one — once you upload your declarations.
Annual premium distribution for a comparable business in your industry and revenue band, drawn from anonymized placements. Your specific position is computed when ARIA reads your declarations page.
Illustrative dataset · n=128 mid-market placements · refreshed quarterly
The first gap usually surfaces in the first minute of ARIA reading your declarations page.
Nothing binds until a licensed Risk Strategist signs the placement
ARIA · live across every page