How much does epli insurance cost in Rhode Island? (2026)
EPLI insurance pricing in Rhode Island is shaped by the same state-specific bureau loss-cost filings that govern every commercial policy issued in Rhode Island. Below: the most-recent Rhode Island filings affecting epli operations, cited to their SERFF tracking numbers — primary-source, government-held pricing records. Read the full national context on the EPLI cost guide.
Recent rate-filing activity — 1 state filings across 1 commercial line
Commercial carriers can't charge whatever they want — each state's Department of Insurance must approve loss-cost filings before they take effect. These are primary-source, government-held records available on SERFF Filing Access. Cited below: the most-recent active filings affecting epli operations, with the real SERFF tracking number for each.
| Line | State | Overall change | Effective | SERFF tracking |
|---|---|---|---|---|
| WC | RI | Overall -2.5% voluntary (industrial); -12.9% federal classes | Aug 1, 2026 | NCCI-134743616 |
Source: SERFF Filing Access (filingaccess.serff.com) — the official public-records interface for state Department of Insurance filings. Loss-cost changes shown are the overall bureau-wide change in each state; the actual impact on your quote depends on your class code, payroll, experience modifier, and carrier-specific loss-cost multiplier (LCM). Get a quote for your exact numbers.
National context — EPLI insurance overview
Median small-business EPLI (Employment Practices Liability Insurance) premium is $222/month ($2,664/year) per Insureon's 2024 cost report. Cost varies dramatically by state + industry — Texas/Florida office businesses pay ~$80-$120/mo; California restaurants $300-$600/mo; healthcare + education $250-$500+/mo.
State surcharge is the biggest cost driver. California, New York, Illinois, and New Jersey impose 30-100% surcharges on EPLI premium due to PAGA (CA), state wage-hour laws (NY/IL/NJ), and class-action exposure. Texas + most Southern states are typically the cheapest.
What EPLI covers: wrongful termination, discrimination (Title VII + ADA + ADEA + state equivalents), sexual harassment, retaliation, FLSA wage-and-hour claims (some policies — verify), and defense costs (often the biggest line item — defense alone runs $40K-$100K per claim). What it doesn't cover: bodily-injury, intentional acts, criminal acts, and breach of express contract. Required by most enterprise clients for any vendor with employees.
More Rhode Island rate-filing detail
- All Rhode Island commercial rate filings (every line, every recent filing) — the broader rate-data view for Rhode Island
- Rate filings by state — directory of all 47+ states with active filings
- National Rate Change Tracker — every filing across every state, sortable
Get a real Rhode Island quote for epli
The data above shows the regulator-filed direction for Rhode Island. For your actual quote — based on payroll, experience modifier, and the LCM each carrier files — request a free quote in under 90 seconds.
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