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 either excluded outright or carried back by an endorsement that pays defense costs only and never the wages themselves. Punitive damages awarded against an insured are not insurable here either, so no limit pays that portion of a verdict. Forms differ in the wrongful acts they list, so read the list on yours.
Related FAQs
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 ...
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