Employment Practices » Standard Policy Features

Depending upon the carrier and specific program, standard coverage features may include the following:

• Broad definition of insured includes full-time, part-time, leased, seasonal and temporary employees, as well as the insured entity and any subsidiary (as defined)
• Broad definition of wrongful employment act, including
1. discrimination
2. harassment (including sexual)
3. wrongful termination
4. constructive discharge
5. wrongful failure to defamation
6. invasion of privacy
7. humiliation
8. wrongful evaluation
9. breach of an implied contract
• Bodily injury exclusion includes carve out for emotional distress, mental anguish, defamation (including libel and slander), invasion of privacy, or humiliation
• Duty to defend policy language
• Broad definition of claim includes written demand or assertion for monetary or non-monetary relief, including civil, criminal, administrative, or arbitration proceedings
• Loss includes punitive or exemplary damages up to the limit of liability, where insurable; most favorable jurisdiction language applies
• Automatic coverage for subsidiaries created or acquired during the policy period whose assets are less than 25% of the insured entity
• Coverage for EEOC (or state equivalent) charges
• No intentional acts exclusion
• No downsizing exclusion
• No copyright/patent exclusion
• Full prior acts coverage
• 36 month extended reporting period is available if the named insured cancels or if the insurer or named insured refuses to renew
• Worldwide coverage
• No co-insurance
• Limits of liability up to $5,000,000
• Deductibles available from $5,000