Search CompleteMarkets

... 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. Most claims-made EPL policies today are clearly meant to cover intentional conduct. Many of them routinely grant coverage for intentional acts, including but not limited to: Termination-actual or constructive-of an employment relationship that is against the law Allegations of wrongful demotion, retaliation, misrepresentation, promissory estoppel, and intentional interference with contract Defamation, infliction ... 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, 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 of the major EPL insurers also have expanded their coverage to include some common-law torts. Because the EPL insurance market is undergoing rapid development, ...

... 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. Most claims-made EPL policies today are clearly meant to cover intentional conduct. Many of them routinely grant coverage for intentional acts, including but not limited to: Termination-actual or constructive-of an employment relationship that is against the law Allegations of wrongful demotion, retaliation, misrepresentation, promissory estoppel, and intentional interference with contract Defamation, infliction ... 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, 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 of the major EPL insurers also have expanded their coverage to include some common-law torts. Because the EPL insurance market is undergoing rapid development, ...

... 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. Most claims-made EPL policies today are clearly meant to cover intentional conduct. Many of them routinely grant coverage for intentional acts, including but not limited to: Termination-actual or constructive-of an employment relationship that is against the law Allegations of wrongful demotion, retaliation, misrepresentation, promissory estoppel, and intentional interference with contract Defamation, infliction ... 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, 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 of the major EPL insurers also have expanded their coverage to include some common-law torts. Because the EPL insurance market is undergoing rapid development, ...

... failure to comply with the law, malicious acts, and other wrongful acts that are in violation of the law. Most... coverage for claims based on covered acts taking place after the policy expir...

...mment. Criminal, Fraudulent, or Malicious Acts The ISO criminal acts exclusi...respect to the reference to unethical acts, it should also be noted that the e...

...le damages in case of wilful and malicious misappropriation, Civil Code Sectio...side for the usual reasons other contracts can be avoided (fraud, mistake, etc...

...s, the harasser is not purposely malicious but simply unaware that such behavi... specifically grant coverage for such acts, but other policies may be silent o...