What EPLI Covers
Employment practices liability insurance, EPLI, covers a business against claims from its own employees, wrongful termination, discrimination, harassment, and related workplace disputes. It sits alongside D&O and general liability in the broader liability family CIAB tracks quarterly, and it is a standard, widely purchased commercial line, not a niche one.
The One Line-Level Fact Confirmed Twice
CIAB’s Q2 2025 P&C Market Survey named EPLI as one of five lines posting an outright rate decline that quarter, alongside cyber, D&O, terrorism, and workers’ compensation. That finding is not a single-source claim: Risk & Insurance’s own reporting on the same underlying CIAB survey data independently names the identical five-line list, corroborating the finding from a second outlet reading the same underlying data.
Why No Exact EPLI Percentage Appears Here
CIAB itself publishes the specific percentage decline for some lines, umbrella and D&O both have a named figure elsewhere on this site, but not for every line in every quarter’s public release. Repeated attempts to pull CIAB’s own Q2 2025 survey page and PDF directly during this research were rate-limited before an exact EPLI figure could be confirmed. Rather than publish a number that could not be confirmed against CIAB’s own report, this page states what is actually known: EPLI declined that quarter, and the exact size of that decline is not published here.
What the Decline Still Means for a Renewal Conversation
A confirmed direction is still useful without a confirmed magnitude. A softening EPLI market gives an incumbent producer less rate-shock leverage to justify a renewal without a real conversation, and it gives a competing producer a real, current reason to remarket the account rather than assume the incumbent’s pricing is untouchable. Knowing EPLI is one of the five lines actually moving in the softer direction is enough to shape that conversation, even without the exact percentage behind it.
The Numbers
EPLI was one of five lines posting an outright rate decline in CIAB’s Q2 2025 survey, alongside cyber, D&O, terrorism, and workers’ compensation.
Risk & Insurance’s own reporting on the same underlying CIAB survey data independently corroborates the identical five-line list.
The same quarter’s overall commercial composite still rose 3.7%, decelerating from 4.2% in Q1, the 31st consecutive quarter of increases, meaning EPLI’s decline is happening inside a market that was still net rising.
Sources
The external data in this article draws on the sources below. Figures described in the text as estimates or industry triangulations are directional and are not attributed to a single dataset.