We’re excited to announce an important enhancement to every Midwest Family Mutual policy effective December 1, 2025 — the addition of EPL Plus coverage, automatically included for all new and renewal business.
What is EPL Plus?
EPL Plus (Employment Practices Liability Plus) provides essential protection for employers against claims of wrongful employment practices — plus coverage for Critical Incidents that occur in the workplace. This means you get help not only with employment-related claims, but also with the costs associated with traumatic workplace events that impact employees and operations.
This coverage is available across our BOP, Artisan Contractors (AC), and Garage programs, and it’s designed to provide peace of mind and real-world protection for today’s business owners.
Why This Matters To You
- Automatic Protection: EPL Plus will automatically roll onto policies for which we have employee counts, with a standard $100,000 limit and $10,000 deductible. We’ll be requesting employee counts on renewal questionnaires in order to increase the number of policies for which we roll on this needed coverage. Fill that out and get it back to us!
- Tailored Pricing: Premiums are based on the number of employees, with simple tiered pricing by industry.
- Flexible Options: You can choose higher limits — up to $1,000,000 — to match your risk tolerance. A more extensive application will be required for higher limits.
- Critical Incident Response: Covers costs from unexpected workplace crises, helping businesses recover faster and protect their reputations.
- No Separate Application Required: It’s seamless — no additional paperwork is required.
Part time employees will be treated as 0.5 FTE’s. For example, you have 10 full-time and 4 part-time employees, we’ll rate that as 12 full-time equivalents for simple, transparent pricing.
How to Sell EPL Plus
EPL Plus coverage is a meaningful enhancement to your coverage. You should know the following:
- Employment-related claims are among the fastest-growing exposures for small businesses.
- EPL Plus now provides both financial protection and crisis response in one endorsement.
- This coverage is a value-added differentiator — this coverage isn’t offered by all P&C carriers despite its obvious necessity in the workplace.
If you prefer not to participate, you may opt out — but we’re confident that once you understand the risks and what this coverage will do to create peace of mind, you’ll be more likely to keep the coverage.
Questions?
Your Independent Insurance Agent can assist full details and any questions you might have.