FAQs

Yes. Under California’s strict standards, sellers and distributors can be named in a product claim, not just manufacturers.

Many do, and marketplaces often require it before listing. We can help you meet those requirements.

Products-completed operations coverage is often included within general liability, but limits and terms vary. We recommend you review how your products are treated with us.

Yes, certain claims can come from applicants. EPLI may respond depending on the allegation.

Good practices reduce risk but do not prevent claims from being filed. Defense alone can be costly, which is why many careful employers carry it.

Sometimes the defense, almost never the wages. Some carriers exclude wage and hour claims outright. Others add an endorsement with a sublimit that pays defense costs only, which stops ...

No. Workers’ comp covers workplace injuries. EPLI covers employment practices claims like discrimination, harassment, and wrongful termination.

Many do. Volunteer directors can still face personal claims, and D&O is often what makes strong candidates comfortable serving.

Both, depending on the claim and how the policy is structured. We can walk you through the pieces.

No. Private companies, startups, and nonprofits face management claims too, and their leaders often carry personal exposure.