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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 ...

A Creative Way To Sell "Umbrellas"
A CREATIVE WAY TO SELL 'UMBRELLAS' IMMS Member Wayne Smart of Fry, J...en able to offer this much Personal Liability coverage (good 24 hours a day, a...

...he insured that the carrier is not highly regulated (if at all), that there’s ...overage reductions, lower limits, and higher deductibles, expect E&O claim...

...ersonal Injury 3. Million-Dollar Umbrella Liability If you have any questions, please ...

...ecause the error rate is still too high. Years ago, after writing an article a... now and eventually, the cream always rises to the top. NOTE: None of the mate...

... extra expense monies were not in place to hire the mover, lease the new location, put in the phones, bring in new inventory, and notify customers of the change. Getting back in action was critical to his business (selling upscale formal gowns to the high school seniors who were graduating within the next few weeks) . Finding for the plaintiff. Case No.2: Failure to Obtain Any Coverage The insured requested the agency to obtain coverage that would pay first dollar claims to his clients in the event their property was damaged ... song. After wading through substantial pounds of pleadings, depositions, exhibits, interrogatories, and causes of action, we attempt to answer three pertinent questions: 1. Did the agency have a duty to perform on behalf of the insured? If so, what gives rise to that duty, and to what extent is the agency responsible? 2. Did the practitioner (agency) provide goods and services that are customary, expected, reasonable, and within the scope of the industry? 3. Was there a breach of any ... manager can thus learn the strengths and weaknesses of the personnel they're supervising and find training opportunities. The audit format should reflect agency policy concerning how each of the nine functional components is supposed to work. For example, if it is the agency's policy to offer Commercial Umbrellas to each account, then the audit documentation should reflect that this has been accomplished. The audit checklist should mirror the task list of each system component. One consultant client has found two approaches to the design and implementation of his audit system. The audit format ...

...elling upscale formal gowns to the high school seniors who were graduating wit...agency's policy to offer Commercial Umbrellas to each account, then the audit ...