Prevention Data Is Reshaping EPL Risk Management — and Carriers Should Pay Attention
Employment Practices Liability (EPL) risk isn’t just increasing — it’s evolving.
What’s changing quickly is the availability of prevention data that helps carriers identify exposure earlier, intervene sooner, and improve outcomes for insureds.
In a recent IRMI expert commentary by Justin Velten, Co-Founder & CEO of Go Culture, the message is clear: EPL risk management is moving upstream — from reactive claims handling to proactive prevention.
Why this matters for carriers now
Traditional EPL underwriting has relied heavily on lagging indicators like claims history, loss ratios, and benchmarks. Useful — but often too late.
Prevention-focused data introduces earlier signals, including:
- policy adherence and training completion trends
- reporting and escalation patterns
- workforce behavior indicators tied to EPL exposure
For underwriting and risk teams, this shift enables:
- smarter risk selection and pricing discipline
- stronger portfolio management
- better insured conversations around loss prevention
- improved alignment across underwriting, risk engineering, and claims
The direction is clear: data-driven prevention is becoming core to modern EPL programs — and carriers that operationalize it early will have a meaningful advantage.
👉 Read Justin’s full IRMI article here:
https://www.irmi.com/articles/expert-commentary/prevention-data-is-reshaping-epl-risk-management
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Ken Leibow
CEO, InsurTech Express