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... 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 state of the EPL market might actually make claims-made insurance more suitable than occurrence-based coverage. INTENTIONAL ACTS Another important advantage that claims-made EPL forms may have over some of the occurrence-based Liability policies endorsed to provide EPL coverage is demonstrated in the treatment of claims involving intentional conduct. ... has not been rated yet. Before the advent of specialized Employment Practices Liability (EPL) insurance policies, many employers sought coverage under one or more of their standard Liability insurance policies. Because some of the early EPL claims were paid under these general policies, it's fair to say that the first 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, ... CompleteMarkets Editor This content has not been rated yet. Before the advent of specialized Employment Practices Liability (EPL) insurance policies, many employers sought coverage under one or more of their standard Liability insurance policies. Because some of the early EPL claims were paid under these general policies, it's fair to say that the first 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 ...

...ture of EPL claims and the current state of the EPL market might actually make...hly competitive, and high limits of Liability are available for most insureds....

...s”) have been filed in most states for Workers Compensation and other l...nagement. Security requirements are generally met by providing bonds or lett...

...Increases worker productivity. The State of California Telecommuting Pilot program, a state-sponsored study of telecommuting among state workers, reported that telecommuting ...dical Leave Act. The federal FMLA and state leave laws apply to telecommuting ...

...ions of the Insurance Code in most states-there's no question that they're all...as the client, insurance company, and state. In the final analysis, ethics an...

...FEHA governed. In making a general statement, the Court recommended that each ...erable between laws, but that factual statements regarding the fact of disabil...

...yee the opportunity to vest. Some states have enacted their own laws that go ...ained in this article are offered as general guidelines to employers concerned...

... different from profit for income statements and taxes. Valuations are based ...od value for internal perpetuation, estate appraisals, buy/sell agreements, a...

...as many inquiries as possible. The state insurance commissioner is one source....d's is a surplus lines insurer in all states but Illinois and Kentucky.) Other...

...him in the struggle. The patron’s estate sued the tavern with allegations of f... respond over the underlying Liquor Liability coverage. When taking an acc...