Employment Practices Liability (EPL) insurance covers allegations from employees against other employees or the employer based on discrimination, harassment, wrongful termination, retaliation and other specified "Wrongful Acts". This is what is commonly know as "first party" EPL coverage, the first party being the employee as the claimant. So what is a "third party" EPL [...]
If you are a Not For Profit organization you have as much of a Directors & Officers / Employment Practices Liability exposure as For-Profit organizations. You might even have a greater exposure since you may not have the financial means to fund a defense. Both organizations can be sued by their volunteers or clients! [...]
Non-Profit Directors & Officers Liability Non-profit directors and officers often rely too heavily upon the immunities and limitations provided by various laws. They are exposing their personal wealth if the non-profit does not carry adequate Directors & Officers Liability coverage. Damages in even small lawsuits can exceed the net worth of many individuals. Even [...]
According to IIAABNY (Independent Insurance Agents and Brokers of NY), questions still remain on whether or not the personal auto policy (PAP) will cover ridesharing activities. In spite of the livery/public conveyance exclusion in the policy, the Department of Financial Services (DFS) is of the opinion that ridesharing activities ARE covered under the PAP [...]
If the incorrect name is listed on the insurance policy, there may not be coverage. Although this seems like an overstatement (or even a "duh!" statement), it's not. Remember, an insurance policy is a legal contract between two named entities, the named insured and the insurance carrier. Then one entity is listed incorrectly or [...]
You probably have one of these features in the vehicle you drive : Adaptive Cruise Control, Adaptive Light Control, Automatic Braking, Automatic Park Assist, Blind Spot Detection, Collision Avoidance, Driver Drowsiness Detection, Lane Departure Warning, Pedestrian Detection and Traffic Sign Recognition. This technology is built into the windshield and when a Glass Claim happens [...]