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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
- discrimination
- harassment (including sexual)
- wrongful termination
- constructive discharge
- wrongful failure to defamation
- invasion of privacy
- humiliation
- wrongful evaluation
- 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
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