Search CompleteMarkets

... 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...

...ad faith, or willfully wanton or malicious activities. Most of these are viol...factor. The agent has to examine the facts and circumstances surrounding the c...

...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...

... formal reinforcement of the company's policies, awareness training focused on preventing sexual harassment (one of the more pervasive of employment problems) can also be an effective prevention tool. Managers and employees who have been trained and are aware of the kinds of behavior that might be construed as harassing have a better chance of preventing such behavior in the first place. In many instances, the harasser is not purposely malicious but simply unaware that such behavior is offensive to others. To give further support to the employer's commitment to a non-discriminatory and harassment-free workplace, pre- and post-training testing can be used to document employee education and training. Testing verifies that employees understand the corporate rules and laws forbidding sexual harassment. Most important, though, is that both supervisors and employees are better able to detect and prevent such ... Human resource professionals have known for years that communication of the employer's rules, policies, and procedures to the employees, as well as an early intervention in employment disputes or complaints, are effective in limiting both the frequency and severity of suits. Now employment practices liability insurance (EPLI) can augment these traditional preventive tactics. Combined with insurance, loss prevention, post-incident investigation, and thorough follow-up can act to form a three-legged stool of protection against employment-related claims. Here are a few tips to consider when developing your own defensive strategies. LEG ONE: PREVENTION TECHNIQUES While the incidence of employment-related claims has increased dramatically in recent years, one encouraging aspect regarding such claims is that both frequency and severity of loss can be controlled through prevention techniques. Two integral elements every successful employment liability prevention plan have ...

...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...