The employment practices liability insurance (EPLI) market remains one that is rife with opportunity. A vast majority of businesses continue to operate without this protection, according to data compiled by MarketStance, Middletown, CT. And despite this under-penetration, the market still provides written premiums in excess of $1.3 billion. Health and education services has proven to be one of the most attractive markets based on the relatively high market penetration and the premium volume provided by that market. With nearly 7 million small and middle market operating locations currently without EPLI coverage, this appears to be an ideal market for independent agents.
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