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... 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 ...

... 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 ...

... 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 ...

...Legged Stool Of Protection
EMPLOYMENT PRACTICES LIABILITY INSURANCE: BUI...elf is a poor substitute for sound employment policies. Remember, it may be impossible to secure insurance for employment claims unless at least rudimenta...

...imitations, the value of adding Employment Practices Liability coverage to the...on of any employee or any personnel practices, policies, acts, or omissions. E...

... . We 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 employment practices liability Articles tagged with employment practices liability Back Agency E&O Exposures To Broker Of Record Letters This content has not been rated yet. CompleteMarkets Editor , Curtis Pearsall 3/19/2014 12:00:00 AM When you take over an account ... broker of record, it's important to realize your work isn't done; .. All Articles by CompleteMarkets Editor Comments (0 ) Are You Offering Employment Practices Liability Insurance? This content has not been rated yet. CompleteMarkets Editor , Curtis Pearsall 4/30/2013 10:44:07 PM ARE YOU OFFERING EMPLOYMENT PRACTICES LIABILITY INSURANCE? by Curtis Pearsall Claims alleging wrongful employment practices have undoubtedly increased significantly over the last decade. According t.. All Articles by CompleteMarkets Editor Comments (0 ) Commercial Lines Marketing Plan: Part I This ... has not been rated yet. CompleteMarkets Editor , Jack Fries 4/30/2013 12:00:00 AM Successful marketing of Commercial Lines requires a detailed plan. The first step is to assess where you are right now. In this first of a three-part series, Jack Fries examines the preliminary steps that an agency should take in marketing Commercial Lines. All Articles by CompleteMarkets Editor Comments (0 ) Epl And E&O : What You Need To Know This content has not been rated yet. CompleteMarkets Editor , Gary ...

... those 5% have victim mentalities. They believe that they're entitled to a job and salary regardless of their performance; they blame others for their shortcomings; or they refuse to accept responsibility for their actions or inactions, according to Tony Burnham, executive vice president of Employment Council for Abbott Resource Group Inc. "This is happening all across the nation. Companies are experiencing an explosion of employment-related claims based on sexual harassment and discrimination, wrongful termination and a host of other human resources issues," says Beth Schroeder, an employment ... 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 Follow Smart Hiring Practices 4/30/2013 12:00:00 AM by CompleteMarkets Editor , Marcus Covas This content has not been rated yet. These hiring guidelines can help protect your business against the "growth industry" of employment-related litigation. Today, every business faces not ... nation. Companies are experiencing an explosion of employment-related claims based on sexual harassment and discrimination, wrongful termination and a host of other human resources issues," says Beth Schroeder, an employment law attorney and co-author of The EPL Book: The Practical Guide to Employment Practices Liability and Insurance. Sound employment practices are no longer a guarantee against employment practices liability. You need to keep up with ever-changing employment laws, Shroeder says. So how can you avoid hiring a victim? According to Burnham, thousands of successful public and private corporations ...

...is practice is called 'at-will' employment or is referred to as the at-will employment rule. However, in recent years, leg...signed to help an employer develop employment practices that are equitable to both the e...

... 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 ...

...gainst the “growth industry” of employment-related litigation. Today, every b...ates to clients who implement best practices hiring policies.