RF Ougheltree Insurance

Employment Practices

Virtually any employer of any size could experience employment practices lawsuits.

No matter how well managers and employees are trained in HR practices or how much time management and owners have invested in building the corporate culture, an organization still may be the target of employee litigation. The number of lawsuits filed continues to be high, and target a host of grievances that include but are not limited to wrongful termination, discrimination, sexual harassment, workplace harassment, failure to promote and negligent evaluation.

RFO staff brokers manage the marketing and placement of EPL coverage for an extensive range of companies with employee count from one to several thousand.  That's why so many Brokers and Agents seek our experience and coverage solutions.

Eligible Accounts:

No class or size restrictions. All types of organizations are eligible for coverage including:

  • Auto Dealerships
  • Employee Leasing / staffing organizations
  • Financial and Capital Market Institutions
  • Hospitals and Healthcare Organizations
  • Hotel and Entertainment Risks
  • Law Firms
  • Municipalities
  • Professional Employment Organization (PEO)
  • Retailers
  • Restaurants
  • Supermarkets


  • Primary and Excess
  • Deductibles vary by account
  • A policy can be purchased as stand alone protection or as part of a package with D&O, Fiduciary and other specialty coverages.
  • Risk Management/Loss Prevention Services available in most cases.
  • Claims Made or Duty to Defend wording is available depending on class and other considerations.


Stand Alone Policy New Business Application

Stand Alone Policy New Business Application - Accountants

Stand Alone Policy New Business Application - Lawyers

Package Policy New Business Application

Claim Supplement

Downsizing Activity Supplement

FSLA (Wage & Hour) Supplement



SOCIAL MEDIA:Employers' Liability for the Activities of their Employees

All in the Genes:GINA Explained

Specialty Lines:2013 Wrap-Up

Employment Practices Liability Insurance: Common Risks and Controls

Online Quoting:

United States Liability Company

The following link will enable you to quote online through United States Liability Insurance Co (USLI).  This product targets for-profit companies with fewer than 500 employees. Click on the Target Accounts list for risks that are eligible for this product.

United States Liability Company Target Accounts

If you are using this service for the first time you will need to create a new account.  If you are a returning customer, you will need to supply your user name and password.

Scottsdale Insurance Company

The following links will enable you to quote online through Erisk Services. The quote will be sent to us and then forwarded to you. Please contact us if you would like your own link that will give you instant quotes with your company’s logo.

Private Company

Non-Profit Organization

Other Coverages:

All or most other coverages that comprise the RFO practice are appropriate. Contact a staff broker to discuss a particular account.

All insurance product and/or coverage descriptions are informational only. It is neither an offer to sell nor a solicitation to purchase any particular insurance product. Coverage may not be available in all jurisdictions.