Focus on Prevention, Human Resources Management By David J. Price, Burns & Wilcox and Dale Diamond, Shand Morahan & Company, Inc. Not all EPLI is the same. As with most coverages, standard Employment Practice Liability policies and excess & surplus EPLI policies differ in some very significant ways. For example, E&S EPLI policies, such as those offered through Burns & Wilcox, are broad policies, offering full coverage for EPLI risks, while most standard markets offer only limited coverage. As a non-admitted market, E&S carriers are able to offer a very broad policy at a surprisingly reasonable rate.Through E&S carriers, Burns & Wilcox is also able to write stand-alone EPLI coverage, which is a far cry from the standard markets, which often package EPLI with the GL policy. The EPLI portion of a GL policy gives some insureds the false impression that they're "covered," when in actuality nothing could be further from the truth. The business owner might .....