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Wage & Hour Defense Insurance - Let us find your best coverage - defense for overtime and pay claims

Overtime, meal and rest break, and worker misclassification suits are some of the most expensive claims employers face, and EPL policies exclude them. Carriers look at your pay practices. Send us a few details and we will shop 50+ carriers for your best rate – no cost, no obligation. Prefer to talk? Call 800-616-3490.

Wage & Hour Defense Quote Request

Applicant Information:

Business Structure (Optional - choose one)

Have these handy

  • Employees by state and pay type
  • Timekeeping system
  • Use of independent contractors
  • Prior wage claims or audits

Related coverage

Coverage details

What Wage & Hour Defense coverage includes

Overtime, meal and rest break, and worker misclassification suits are some of the most expensive claims employers face, and EPL policies exclude them.

  • Defense costs - Attorney fees for wage and hour lawsuits.
  • Class action defense - Defense of collective and class actions.
  • Agency audits - Response to DOL and state labor investigations.
  • Misclassification - Claims that contractors or salaried staff were misclassified.
  • Meal and rest breaks - Claims over missed breaks and off-the-clock work.

Good to know: most carriers offer defense-only limits of $100,000 to $250,000 as an EPL add-on – California and New York employers face higher retentions.

Not covered: back wages, liquidated damages, penalties and benefits owed, which are not insurable on nearly every form.

Insurance Application:

Wage & Hour Defense

Required forms

Wage & Hour Defense Supplemental Application (PDF)

Download, complete and email to info@societiesinsurance.com, or attach it with your quote request.

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