Employment Practices Liability Insurance for Restaurant Franchises
Restaurant Franchises Overview


The vast majority of claims filed against companies are now related to employment practices. Restaurant franchises and their franchisees are no exception. What is exceptional is the Employment Practices Liability (EPLI) Program offered by Target Professional Programs. Our customized EPLI plans are crafted to meet the unique needs of each franchise owner-operator for the business franchisees.
Please note: Target also offers standalone EPLI for many professional classes.

NEW! Complimentary, HR Risk Assist Program

This new risk management program was created by ePlace Solutions especially for Target Professional Programs. It offers unlimited advice and assistance to HR Managers about employment practices. See our program flyer for details about the many, outstanding benefits.

Contact, Applications and Submissions
Contact Target’s EPLI Expert:
Tracy Bernsee, (312) 855-2046 
Applications and Submissions
Find Applications
Email Completed Applications: EPLI@TargetProIns.com
  • No limit on number of employees or location of franchise / franchisees
  • Applicant must utilize an employee handbook
  • Applicant must provide sexual harassment and discrimination awareness training to its employees and managers
Availability, Carrier Partner and Program Parameters
  • All states

Carrier Partner
  • Rated A by A.M. Best
Program Parameters
  • Coverage Limits:$500,000 up to $2 million
  • Minimum Premium:$2,500
  • Minimum Deductible:$5,000
Features & Benefits
  • 3rd Party Harassment / Discrimination (including ADA and Class Action Coverage)
  • Punitive Damages (with most favorable venue wording)
  • Franchisor Coverage (with $100,000 sublimit to help meet contractual obligations)
  • Continuity Date Coverage (back to earliest date coverage was purchased)
  • Employment Event Coverage (with sublimit)
  • Optional Defense Outside the Limits
  • No Exclusions for Intentional Acts, Downsizing or Class Actions
  • HR Risk Assist Program. Complimentary, loss prevention services.
Tracy Bernsee
Send me an email | Phone: (312) 855-2046 | Fax: (866) 720-5003
Address: 1230 East Diehl Road Suite 350, Naperville, IL 60563