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... policy covers injuries arising only out of: Refusal to employ, termination, failure to promote, negative evaluation, reassignment, discipline, or defamation or humiliation linked to discrimination Coercive acts leading a person to commit a crime within the scope of employment  Work-related sexual harassment  Other types of work-related verbal, physical, mental, or emotional abuse targeting a class or characteristic protected by any federal or state law or local statute, rule, or regulation. The covered items contained in the definition of injury' replace ... terms wrongful termination, ' discrimination, ' sexual harassment, ' and wrongful employment torts, ' all of which are common in other EPL insurance policies. However, keep in mind that such terms have no standardized meaning. You should carefully review how these terms are defined in order to determine the actual scope of coverage. Note that the ISO policy's coverage for refusal to employ, failure to promote, termination, negative evaluation, reassignment, discipline, defamation, and humiliation apply only when such claims are based on discrimination. Wrongful ... host of alleged employment-related torts not specifically identified in the insuring agreement. When torts, such as negligent hiring, promotion, retention, invasion of privacy, or others, aren't specifically mentioned in the policy, it may be unclear how such claims will be treated. Defense The policy promises to defend the insured against any suit seeking damages because of those injuries described by the insuring agreement. Under this promise to defend, the insurer normally has the right to choose counsel and control defense procedure and strategy. The limit of liability includes ...

... 735 million from employers for violations of employment law. In 1994, a California State court in Los Angeles awarded nearly $90 million to two former Hughes Aircraft engineers because of discrimination. Even the largest law firm in the world found itself the target of an embarrassing sexual harassment suit. Today's businesses face not only the traditional obstacles of competition and keeping up with advances in technology, but must now face a whole new breed of potential adversary: one's own workforce. Even the best-run of companies are experiencing an explosion of employment-related claims ... These can include: Wrongful discharge litigation Discrimination and sexual harassment claims Allegations of negligent hiring, retention, and supervision Wage and hour investigations Fringe benefit claims Increased unemployment, disability and Workers Compensation claims Unintended violations of Federal and state leave-of-absence laws 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 ... 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 are an effective employee manual program and ...

...employment  Work-related sexual harassment  Other types of w...d to clarify any characteristics of coverage. Gary Griffin, CPCU, is a cons...

...elf the target of an embarrassing sexual harassment suit. Today's businesses ...uote but choose not to purchase the coverage, you will have a record of your d...