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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 ... claims can be based on a wide variety of common law and statutory causes of action, including allegations of breach of implied contract, breach of the covenant of good faith and fair dealing, violation of whistle-blowing statutes, defamation, infliction of emotional distress, fraud, misrepresentations, invasion of privacy, or constructive discharge. There's no need to prove that discrimination occurred to make those types of claims. Note, too, that the coverage grant extends to other forms of work-related verbal, physical, mental, or emotional abuse that's based ...

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