Epack EZ offers coverage for an unpredictable marketplace with a focus on privately owned small businesses and their needs.  Epack EZ is a competitively priced stand alone EPL policy or combination EPL, D&O and Fiduciary policy, tailored to the needs of small businesses with up to 50 employees and $10 million in assets or less.

Many businesses feel that they do not need to purchase these specialized coverages, because they are too small in size.  Whether you employ 4 employees or 400 employees, the exposure exists.   The Epack EZ product offers quality protection for your small business while offering a quick and "EZ" way of obtaining coverage.

If your company has up to 50 employees and $10 million in assets or less, download our Epack EZ "smart" application below for a quick quotation.

All states currently available for Epack EZ except  New York

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

Forms & Applications
These documents and applications are provided to you in Adobe Acrobat format.  If you do not have Acrobat Reader 7.0 installed on your computer, click here to download.
 
Please remember to check this site periodically for the latest versions of policy forms and applications.

Recent Changes and upgrades have been made to the Epack EZ product, including the addition of specific Healthcare classes.  With this expansion of classes, the Epack EZ application has been changed to reflect the new SIC's.  Please download the new version of the application for use by clicking on the Epack EZ Application link below this message.
Epack EZ is now APPROVED in CALIFORNIA.

• Epack EZ Application - (Hints for completing the application click here.)
• Epack EZ 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!

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 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 Management Program Available to Epack EZ Policyholders
The CNA risk management program offers a broad package of tools to help small businesses manage their employment-related risks and exposures at no additional cost to the Epack EZ policyholders.  Epack EZ policyholders have access to an interactive, easy to use, web-based tool that allows small businesses to develop state of the art employment practices and procedures.

Claims Scenarios
Our claims specialists are professional and experienced in handling claims and seek to resolve the matter quickly amd 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 presented in this material are hypothetical and fictitious.  Any similarity to actual individuals, entities, places or situations is unintentional and purely coincidental.

Risk Management Services
Small businesses face many of the same employment practice issues that large companies encounter but, they may not have the resources available to set up appropriate employment practices for their companies.

CNA's Risk Management program offers a broad package of tools to help small business manage their employment related risks and exposures, at no additional cost to EPL policyholders.  Click here to download our Small Business Risk Management Services material.

For more information on value added services click here