EPL and D&O Policies: Complementary Management-Liability Coverages (2)

While EPL and D&O coverages vary significantly from insurer to insurer, there is a general consistency in coverage triggers and exclusions in most management-liability insurance policies.

Common EPL and D&O coverage triggers include "wrongful acts," "loss," "claim" and "claims made." Common exclusions include the "prior knowledge" and "professional services" exclusions. See Weimer, Satre, Whitman, and Speidel, Employment Practices Liability, 2d ed.?pp. 21-23 (National Underwriter); and Hagglund, Weimer and Monteleone, Directors & Officers Liability, p. 111-14 (National Underwriter). These management-liability triggers and exclusions will be individually analyzed in subsequent articles in the EPRM Newsletter.

Brit Weimer?is a commercial insurance coverage and defense attorney with Weimer & Weeding, practicing in Minnesota, Colorado and Wisconsin. Feel free to contact him with questions about this article!