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...siness Auto), D&O Liability, Umbrella & Excess Liability, Employment P...st’s “Key Rating Guide” or a similar publication every year. Today there’s so ...

... this new coverage is Employment Practices Liability insurance (EPLI) . It should be noted that insurance coverage for some kinds of wrongful employment practice claims may be available under standard business policies, such as the Commercial General Liability policy or even, to some extent, Personal Umbrella or Homeowners' policies. But relying on these sources for protection is likely to lead to disappointment or, at minimum, a protracted coverage dispute with your insurer. For several years, it has been the practice of insurers to incorporate language into these policies that ... in writing should be sought. Some policies define "wrongful termination" to mean "termination that is against the law and wrongful." Such a definition, while seemingly broad, may actually be onerous because in some states public policy can form the basis for a wrongful discharge claim only when such a prohibition is set forth in a statute or regulation. In other states, public policy may also be established by court decision and might not necessarily be prohibited by law. However the term ... but other policies may be silent or otherwise unclear. Who Is Insured? It may be surprising to know that not all EPLI policies provide coverage for the employer. But because the employment relationship is generally considered to exist between the employee and the corporation, the employing entity is nearly always named as a defendant in a wrongful employment practice suit. Also, some state laws, such as those in California, will hold the corporation responsible for the actions of supervisors and managers who are carrying out the day-to-day activities of the corporation and ...

...r even, to some extent, Personal Umbrella or Homeowners' policies. But relying...the effort. Conclusion Whether public awareness of wrongful employment c...