• 07
  • May2021

What is Wage & Hour Coverage?

What is Wage & Hour Coverage?
Wage and hour insurance, what is it? Wage and hour coverage is a coverage enhancement or endorsement attached to an employment practice liability policy or EPL insurance policy. It covers ONLY the defense costs associated with claims brought by employees alleging that their employer failed to pay them fairly. Claims can arise from several issues such

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  • 30
  • Mar2021

What is EPLI Insurance?

What is EPLI Insurance?
What is EPLI or Employment Practice Liability Insurance?     EPLI insurance covers a business against claims which arise from employees and third parties alleging that their rights have been violated. The common allegations which lead to claims include Sexual harassment Discrimination Wrongful termination Failure to hire Failure to promote Hostile work environment Breach of employment

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  • 05
  • Oct2018

When Should A Private Company Consider Purchasing D&O Insurance?

When Should A Private Company Consider Purchasing D&O Insurance?
I get this question a lot, from prospects, clients, and centers of influence.  I understand that for a lot of private company owners, D&O may seem like a “nice coverage to have”, but since it’s not mandated by anyone or required by law the purchasing decision gets deferred, sometimes indefinitely!   I get it, insurance isn’t a

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  • 20
  • Sep2018

What is Tail Coverage in a Claims-Made Policy?

What is Tail Coverage in a Claims-Made Policy?
There are two predominate classes of policies are written on Claims-Made policy forms which often require a discussion of Tail Coverage: Management Liability (D&O, Employment Practice Liability, Fiduciary, Cyber) and; Professional Liability forms (E&O, Malpractices, Lawyers Professional, Accountants Professionals, etc.) Here's the basics of Claims-Made & Tail Coverage: For a claim to be covered in a claims-made

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  • 06
  • Aug2018

What Is a Warranty Statement

What Is a Warranty Statement
What is the Warranty Statement on a D&O or Employment Practice Liability Policy? I’ve been asked on several occasions when a client is applying for Employment Practice Liability Insurance (EPLI) or Directors & Officers Insurance (D&O) if a potential claim or “situation” in the past would be covered by their new policy?  This article will explore

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