The Betterley Report - Employment Practices Liability

Specialty Lines

About This Product

This report analyzes the insurance products available to cover liability arising from the employment process, including: wrongful termination, discrimination, sexual harassment, retaliation, and miscellaneous inappropriate workplace conduct, such as defamation, invasion of privacy, and failure to promote.

Compiled by Rick Betterley, a leading consultant on professional liability markets, The Betterley Report provides a series of highly acclaimed market survey reports on six specialty insurance products, including technology errors and omissions and cyber/privacy/media liability. The report(s) include exhibits of the critical differences in insurers' coverage, market appetite, and capacity.

Each report:

  • Identifies the leading insurers in these markets
  • Contains detailed policy comparison charts citing the key differences in their policies
  • Examines claims experience and pricing trends
  • Analyzes the state of the market and whether it is growing
  • Discusses value-added (i.e., loss control services) offered by the insurers in each market

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Product Description

The "Employment Practices Liability Insurance Market Survey" edition of The Betterley Report compares and contrasts the options available in the insurance marketplace and sheds light on the specific knowledge that can help any risk management and insurance professional better address employment practices liability exposures.

Following a general overview of the state of the employment practices liability insurance market, the report dives into the trademark feature offered in each edition of The Betterley Report: Incomparably detailed charts comparing the leading employment practices liability insurers. These comparison charts allow readers to see how each of the insurers stacks up with the others in terms of:

  • Contact and Product Information
  • Market Information
  • Limits, Deductibles, Coinsurance, and Commissions
  • Limits Usually Purchased by Carrier’s Insureds
  • Special Coverages Available and Cost
  • Third-party (non-employment) Coverage Available and Cost
  • Joint Employer Coverage Details
  • Policy Type, Who Is Insured, Definition of Claim
  • Definition of Coverage (discrimination, harassment, wrongful termination, retaliation)
  • Definition of Coverage (sexual identity, gender identity, immigration offenses, whistleblower offenses)
  • Claims Reporting, Extended Reporting Period, Selection of Counsel, Consent to Settle
  • Prior Acts
  • Coverage Territory
  • Exclusions (accommodation expenses, assault & battery, back pay, bodily injury)
  • Exclusions (breach of employment contract; oral, breach of employment contract; written, breach of employment contract; implied, change in operations/reduction in workforce)
  • Exclusions (change in operations/facility closure, class action suits, consequential loss, front pay)
  • Exclusions (intentional acts, personal injury, punitive damages, prior acts, retaliatory acts)
  • Risk Management Services Included in the Policy at No Extra Cost
  • Risk Management Services—Consultation Services
  • Risk Management Services—Training and Education
  • Risk Management Services—Outreach

Benefits to You

  • Sell more and grow revenue by pinpointing errors in competitors’ policies/proposals.
  • Identify, eliminate, or avoid coverage gaps with coverage comparison charts.
  • Research competitors with quick policy comparisons.
  • Keep up with year-to-year trends in policy form development.
  • Identify markets and match them up to your clients' needs.

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