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... over some of the occurrence-based Liability policies endorsed to provide EPL coverage is demonstrated in the treatment of claims involving intentional conduct. Intentional acts is an important issue because most employment claims allege some form of intentional wrongdoing. Having an EPL insurance policy that excludes intentional acts is highly undesirable; such exclusions eviscerate the coverage. Many of the occurrence EPL forms reviewed for this article excluded intentional acts outright. Some even excluded willful failure to comply with the law, malicious acts, and other wrongful acts that are in violation of the law. ... the policy period dating from the enhancement. That is, there would be no enhanced coverage for prior acts. Under an occurrence EPL policy, a claim involving alleged wrongful conduct over the period of many years would probably make for complex coverage issues because the acts giving rise to an EPL claim might be covered under one year's policy and not by an earlier one. The result is likely to be coverage gaps and expensive litigation regarding the allocation of claims between covered and non-covered policy periods. The nature of EPL claims and the current ... 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 coverage, 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 ...

... over some of the occurrence-based Liability policies endorsed to provide EPL coverage is demonstrated in the treatment of claims involving intentional conduct. Intentional acts is an important issue because most employment claims allege some form of intentional wrongdoing. Having an EPL insurance policy that excludes intentional acts is highly undesirable; such exclusions eviscerate the coverage. Many of the occurrence EPL forms reviewed for this article excluded intentional acts outright. Some even excluded willful failure to comply with the law, malicious acts, and other wrongful acts that are in violation of the law. ... the policy period dating from the enhancement. That is, there would be no enhanced coverage for prior acts. Under an occurrence EPL policy, a claim involving alleged wrongful conduct over the period of many years would probably make for complex coverage issues because the acts giving rise to an EPL claim might be covered under one year's policy and not by an earlier one. The result is likely to be coverage gaps and expensive litigation regarding the allocation of claims between covered and non-covered policy periods. The nature of EPL claims and the current ... 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 coverage, 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 ...

... over some of the occurrence-based Liability policies endorsed to provide EPL coverage is demonstrated in the treatment of claims involving intentional conduct. Intentional acts is an important issue because most employment claims allege some form of intentional wrongdoing. Having an EPL insurance policy that excludes intentional acts is highly undesirable; such exclusions eviscerate the coverage. Many of the occurrence EPL forms reviewed for this article excluded intentional acts outright. Some even excluded willful failure to comply with the law, malicious acts, and other wrongful acts that are in violation of the law. ... the policy period dating from the enhancement. That is, there would be no enhanced coverage for prior acts. Under an occurrence EPL policy, a claim involving alleged wrongful conduct over the period of many years would probably make for complex coverage issues because the acts giving rise to an EPL claim might be covered under one year's policy and not by an earlier one. The result is likely to be coverage gaps and expensive litigation regarding the allocation of claims between covered and non-covered policy periods. The nature of EPL claims and the current ... 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 coverage, 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 ...

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