Employment Practices Liability Calculator

Base premium already scales directly with Number of Employees (more people, more base cost), but this calculator also applies a Size Factor multiplier that steps up once employee count crosses certain thresholds (50, 100, and 500 employees) — reflecting that larger organizations tend to see disproportionately more employment claims, not just proportionally more. That combination means Cost per Employee can rise, not stay flat, as headcount grows past those thresholds.

Each claim in the past five years adds 35% to the premium in this calculator's model (a claims factor of 1 + 0.35 per claim), compounding your other rate factors rather than adding a flat dollar surcharge. Two prior claims roughly doubles the multiplier's impact compared to one, which mirrors how underwriters generally treat claims history as one of the strongest predictors of future EPL risk.

Yes — a higher deductible (retention) means you absorb more of each claim's cost before coverage kicks in, so the insurer's expected payout per claim is lower, which this calculator reflects as a rate discount: $5,000+ deductibles get a modest discount, and deductibles of $25,000 or more get the largest discount modeled here. It's a standard insurance trade-off — lower premium in exchange for more risk retained by the policyholder.

Different industries have historically different rates of employment-related litigation — this calculator applies a lower risk factor to lower-litigation industries like tech and professional services, and progressively higher factors to retail, then healthcare, then finance/government, which tend to see more EPL claims per employee in practice. The industry factor multiplies the same base rate that every other factor also scales, so it interacts with company size and claims history rather than being an independent flat surcharge.