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Keep Employer Liability Coverage
KEEP EMPLOYER LIABILITY COVERAGE Danger intrudes when a company deletes Employer Liability coverage from its Workers Comp poli...ing situations call for an Employer Liability endorsement in the Workers Comp ...

... call Unfollow First name: Last name: Email: Are you sure you want to deactivate your CompleteMarkets Company Profile Deactivate Cancel Loading.. About Us Services Jobs PR Newsletters Employees Articles Blog Photos Group Connections Reviews Member Content Member Content - Content Package Categories Popular Recent All Back Employment Practices Liability Insurance: Occurrence Forms versus Claims-Made Forms 10/20/2016 12:00:00 AM by CompleteMarkets Editor This content has not been rated yet. Before the advent of specialized Employment Practices Liability (EPL) insurance policies, many employers sought coverage ... one or more of their standard Liability insurance policies. Because some of the early EPL claims were paid under these general policies, it's fair to say that the first EPL policies provided coverage on an occurrence basis. Squeamishness about how losses might pan out led underwriters to issue EPL policies on a claims-made basis. But recently there have been instances of EPL coverage being issued on an occurrence basis-in endorsements, or added onto General Liability, Umbrella Liability, or other Liability policies. Although many people think that claims-made coverage is inferior to occurrence ... , there are arguments why this might not be true in regard to EPL coverage. EPL insurance has changed greatly in recent years. Just a few years ago, EPL coverage was often severely limited by the use of retroactive dates or exclusions eliminating or restricting coverage for prior acts. What's more, coverage was not widely available for many of the common-law torts frequently alleged in EPL claims.[1 ] Today, however, nearly every major EPL insurer has done away with retroactive dates and offers claims-made coverage for prior acts. Most ...

... Glossaries Management Resources & Links Categories Popular Recent All Back Epl Coverage Goes Where We Can't 5/15/2014 12:00:00 AM by CompleteMarkets Editor This content has not been rated yet. Workers Comp policies go by the official name of Workers Compensation and Employers Liability policy. With employers eager to assure their injured workers of recovery benefits, it's easy to overlook the Employers Liability' aspect of this policy. It's there to protect the insured employer against liability arising from physical injury and occupational illness claims not covered by Workers Comp ... Once one learns of Employers Liability coverage's limitations, the value of adding Employment Practices Liability coverage to the program becomes obvious. Employers Liability vs. Workers Compensation The Employers Liability section resembles a Commercial General Liability (CGL) policy, defending the employer against claims and paying the employee, dependents, or others if the employer is found negligent. This coverage reflects the reality that Workers Comp doesn't cover every possible occupational claim. For example, the employer may be sued by a third party because the injured employee has sued the third party ... have thousands of articles, checklists, tip sheets, sales letters, and more! Communications Marketing Customer Service Planning Finance/Accounting Risk Management Human Resources Selling Legal and E&O Technology Life/Financial Services Glossaries Management Resources & Links Categories Popular Recent All Back Epl Coverage Goes Where We Can't 5/15/2014 12:00:00 AM by CompleteMarkets Editor This content has not been rated yet. Workers Comp policies go by the official name of Workers Compensation and Employers Liability policy. With employers eager to assure their injured workers ...

...y (EPL) insurance policies, many employers sought coverage under one or more of their standard Liability insurance policies. Because some of...roactive period. There's usually no coverage for claims based on covered acts ...

...ame of 'Workers Compensation and Employers Liability policy.' With employers eager to assure their injured worke..., policies, acts, or omissions. EPL coverage grows more popular every year, an...

Statutory Employers, Special Employers, And Workers' Compensation
STATUTORY EMPLOYERS, SPECIAL EMPLOYERS, AND WORKERS' COMPENSATION by Marv...ontracts, and deals with employer's liability and other tort liability claims involving workers.

Statutory Employers, Special Employers, And Workers Compensation
STATUTORY EMPLOYERS, SPECIAL EMPLOYERS, AND WORKERS COMPENSATION by Marvi...ontracts, and deals with employer's liability and other tort liability claims involving workers.

... of articles, checklists, tip sheets, sales letters, and more! Communications Marketing Customer Service Planning Finance/Accounting Risk Management Human Resources Selling Legal and E&O Technology Life/Financial Services Glossaries Management Resources & Links Categories Popular Recent All Back Are You Offering Employment Practices Liability Insurance?4/30/2013 10:44:07 PM by CompleteMarkets Editor , Curtis Pearsall This content has not been rated yet. ARE YOU OFFERING EMPLOYMENT PRACTICES LIABILITY INSURANCE? by Curtis Pearsall Claims alleging wrongful employment practices have undoubtedly increased significantly ... the last decade. According to USA Today, an estimated 450 employment lawsuits are filed every day. One survey reported that half of all firms sued spend more than $50,000 (and one-third spend more than $100,000) defending against these claims, in addition to the actual cost of the settlements or verdicts. The average plaintiff's damages in employment lawsuits exceed $250,000, and 15% of all verdicts top $1 million. Because of this market need, Employment Practices Liability (EPL) coverage ... created in the late 1980s. This product was designed to cover EPL claims, which fall into four broad categories of conduct: discrimination wrongful termination sexual harassment a variety of other workplace torts A large number of companies now offer this coverage, and sales are certainly on the rise. Yet, many commercial clients still have not purchased EPL. The cost may be one reason, although that has come down drastically. Is it possible that many of these clients go unprotected because no one has offered them a proposal? Let's assume that ...

... may discharge an employee. Even employers with only a few employees can becom...re offered as general guidelines to employers concerned with the possibility o...

...a more challenging situation for employers today, especially because ...ll things considered, a Third Party Coverage endorsement can be a worthwhile ...