FAQs

It depends on how your form defines a claimant. Many EPLI forms name employees, former employees, applicants, and interns, and some reach contractors only by endorsement rather than in ...

No. The policy is not required, but the duties behind the claims are. Under the Fair Employment and Housing Act, the discrimination provisions reach employers with five or more ...

Most of what underwriters ask about, California already requires. An employer with five or more employees must provide sexual harassment prevention training every two years, two hours for supervisors ...

Bodily injury, property damage, and professional errors sit elsewhere, usually on general liability or professional liability. The exclusion that matters most in California is wage and hour, which is ...

The organization's finances and its governance, more than its size. Expect questions about revenue, assets, and whether the balance sheet shows stress, since insolvency is where personal claims concentrate. ...

Sometimes, through prior acts coverage, and it is not automatic. D&O is claims-made, so a policy responds to claims first made during its term. Whether it reaches back depends ...

D&O covers how the organization is run. Professional liability covers what it sells. A claim that a board approved a bad acquisition, misstated finances, breached a fiduciary duty, or ...

They are three different insureds inside one policy. Side A pays a director or officer directly when the company cannot indemnify them, which is the piece that protects personal ...

D&O insurance generally does not cover bodily injury, property damage, or professional errors and omissions. Those are usually addressed by General Liability Insurance and Professional Liability Insurance respectively. D&O ...

Not generally, but several activities carry their own requirement. An owner or operator of an underground storage tank must demonstrate financial responsibility under California law, and insurance is one ...