Epack EZ is a competitively priced stand-alone EPL policy or combination EPL, D&O and Fiduciary policy, tailored to the needs of small business.  Download our Epack EZ "smart" application for a quick quotation.

Epack EZ is now available in NY for companies with 50 or fewer employees and $10 million in assets or less.
Click here for more information.

Eligibility for EZ:

• 50 employees or fewer and $10 million in assets or less - currently available in all states.
  
  
• 100 employees or fewer and $25 million in assets or less - currently available in all states except FL & NY.
  
  
• Retail Business - 50 employees or fewer and $10 million in assets or less.  For more details please click here.

• Epack EZ Overview Presentation
• Epack EZ Product Summary
• Epack EZ Fact Sheet
• Epack EZ NY Product Summary
• Epack EZ NY Fact Sheet
• Epack EZ Highlights
• Common Questions
• Appetite Guide

Forms & Applications
These documents and applications are provided to you in Adobe Acrobat format.  If you do not have Acrobat Reader 9.0 version or later installed on your computer, click here to download.
 
Please remember to check this site periodically for the latest versions of policy forms and applications.

• Epack EZ Application - (Hints for completing the application click here.)
• Epack EZ NY Application
• Epack EZ Application for Retail Business
• Epack EZ Policy
• Epack EZ NY Policy

A SIC Code is required to submit the application
For a listing of SIC Codes click here or visit www.osha.gov for SIC system search.

Click here for other forms & applications

Why is Epack EZ important for your business?
Competition is tough and companies have to constantly examine expenses including their insurance protection.  Some companies even consider going without these coverages to save money.  However, going without protection can cost you more than you think.

Top Reasons to Purchase Epack EZ

Easy Application Process
Epack EZ's "Smart" application process allows users to submit the application with the click of a button.  The Epack EZ application has simple True/False eligibility and underwriting questions for an easy application process!  The Epack EZ application can be quickly downloaded and saved for future use for all perspective insureds.

Quick Turnaround Time
Quotes will usually be issued within one business day of receipt of the Epack EZ application by Commercial Accounts regional underwriters.  Once the application is submitted, no additional underwriting information is needed.

Competitive Pricing & Retentions
Epack EZ offers lower minimum premiums and retentions that fit better within the budget of a small business.  Epack EZ's minimum premium is $750. The minimum EPL retention is $2,500 ($5,000 for Retail) and the D&O/Fiduciary retention is $0.

Broad Coverage for Small Business Exposures
The Epack EZ policy is tailored to cover the EPL, D&O and Fiduciary exposures of small businesses.  Epack EZ offers coverage for domestic partners under the definition of insured, separate Policy Year Aggregate Limits and Defense Costs aggregate limits, a softened hammer clause and other policy enhancements depending on the coverage option purchased.

Risk Control Program Available to Epack EZ Policyholders
The CNA risk control program offers Epack EZ policyholders tools and resources, at no additional cost, to help small businesses manage their employment-related risks.  Epack EZ policyholders have access to H.R. Web Training, an interactive, easy to use, web-based platform that assists small businesses in developing state of the art employment policies, practices and procedures.  Epack EZ policyholders also have access to the H. R. Help Line, a toll-free phone number which enables a policyholder to obtain human resources consulting advice provided by Jackson Lewis, LLP, a national law firm that specializes in employment law.

(Some policy provisions may be different for NY)

Claims Scenarios
Our claims specialists are professional and experienced in handling claims and seek to resolve the matter quickly and cost effectively.  Below are several claim scenarios that can occur within an organization.

Employment Practices Liability (EPL) Claims Scenarios
Woman Terminated Prior to Scheduled Maternity Leave
Laborer Sues Supervisor and Co-worker for Sexual Harassment
Employee's Dismissal Triggers Retaliation Suit
Lawsuit Filed Alleging Disability Discrimination
Charges Filed with EEOC Alleging Age Discrimination

Directors and Officers (D&O) Liability Claims Scenarios
Minority Shareholder Oppression
Officer Accused of Misappropriation of Trade Secrets
Disputes Over Valuation of Shares
Misrepresentation

Fiduciary Liability Claims Scenarios
Self-dealing and Breach of Fiduciary Duty - Pension Plan
Misrepresentations - Long Term Disability Plan

The examples provided in this material are for illustrative purposes only and any similarity to actual individuals, entities, places or situations is unintentional and purely coincidental. In addition, the examples are not intended to establish any standards of care, to serve as legal advice appropriate for any particular factual situations, or to provide an acknowledgement that any given factual situation is covered under any CNA insurance policy.

Risk Control Services
Small businesses face many of the same employment practice issues that large companies encounter but, they may not have the resources available to create adequate employment policies, practices and procedures.

CNA's Risk Control program offers a broad package of tools, at no additional cost to policyholders, to help small businesses manage employment related risks.  We are pleased to provide the following employment practices risk control tools to help your management team improve employee relations and reduce exposure to costly employment claims and litigation:

H.R. Web Training - online training for your employees,including anti-harassment training and Human Resources tools provided by in2vate, llc and;

H.R. Help Line - human resources consulting advice, provided by Jackson Lewis, LLP, a national law firm that specializes in employment law.

Click here to download our Small Business Risk Control Services material.

For more information on value added services click here

Please note that the H.R. Help Line can not provide legal advice pertaining to specific personnel decisions.

Note: Jackson Lewis neither is an affiliate of CNA nor is it an agent or broker. As such, information reported to Jackson Lewis is not notice to CNA of any claim or potential claim. Please report claims in accordance with your policy’s terms and conditions.

One or more of the CNA companies provide the products and/or services described. The information is intended to present a general overview for illustrative purposes only. It is not intended to constitute a binding contract. Please remember that only the relevant insurance policy can provide the actual terms, coverages, amounts, conditions and exclusions for an insured. All products and services may not be available in all states and may be subject to change without notice. CNA is a registered trademark of CNA Financial Corporation. Copyright © 2010 CNA. All rights reserved.