Free EPLI readiness score
Protect your business from HR blind spots
Know exactly how insurable you are in under 10 minutes.
You don't need a legal team to spot your EPLI risks. We read your employee handbook exactly the way an underwriter would. See where you stand, and find out what to fix first.
A sample readiness score. Yours is calculated from your actual handbook.
We check the same things a carrier's underwriter would:
- Anti-harassment & retaliation
- Complaint & reporting procedures
- At-will status & worker classification
- State-specific requirements
How it works
Upload your handbook
Drop in your PDF. We redact personal information before anything is scored.
We read it like an underwriter
Our AI checks it against what carriers actually look for in an EPLI risk.
See exactly where you stand
Get your score and a plain-English list of what to fix first — in order.
The report you'll get
A clear score, then the handful of gaps that matter most — each one framed as a fixable to-do, never an accusation.
No complaint procedure
PriorityUnderwriters expect a clear, named reporting path — its absence is one of the most common reasons a claim turns expensive.
Add a step-by-step reporting procedure that names who to contact and states a response timeline.
A low score isn't a failing grade. It's a map.
Almost every handbook has gaps — that's normal. CoverScore shows you the few that matter most to an insurer, and exactly how to close them. You're not being graded. You're being handed a head start.
Questions, answered
Do I actually need EPLI?
If you have employees, you carry employment-practices risk — wrongful-termination, harassment, and discrimination claims can hit any business. EPLI is the coverage built for it. Your score shows how ready you'd look to an insurer today.
Is this legal advice?
No. CoverScore is an informational AI guide, not a law firm. It helps you understand and strengthen your handbook — it doesn't replace an attorney.
What happens to my handbook?
We redact personal information before scoring, and we never sell your documents. See our privacy policy for the details.
How long does it take, and what does it cost?
About ten minutes start to finish, and your readiness score is free.
Ready to see where your business stands?
Get My Free ScoreFree · Takes less than 10 minutes