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Endorsement

$100,000 Wage & Hour dense costs sub-limit
Anit-Trust coverage
Duty to defend coverage
Pre-set discover at 50% A fir 1 year (will not apply in the event of a transaction)
Crisis Management Enhancement – CrisisFund Coverage amended to include media event expenses

Eligible Risks

US domiciled (excluding CA), Non-Profit Organizations and Private Companies
No Start-Ups
3 Years clean lost history
Separate policy limited, $3M per coverage
All industries, with the exception of Heathcare, Higher Education, Energy and Retail

Directors & Officers

Flexibility to choose one or more of the seven management and professional liability coverages
Simplicity of one common expiration date for all coverages
One interactive online application and one point of contact from quote to bind
Protection for directors and officers (D&O) even when a company refuses or otherwise fails for any reason to advance or indemnity for a covered loss
Support of our specialized D&O claims unit dedicated to managing claims brought against public, private and not-for-profit organizations and their management
Access to premier panel of attorneys to defend management and professional liability claims
Access to EPL Pak Premier, a loss prevention resource enhanced with online tools for dealing with regulatory compliance, training and best practices in risk management

EPL

Expansive protection for employment related claims, covering 12 named perils, including wrongful termination, discrimination and harassment
Coverage for discrimination and harassment claims brought by non-employee third parties, such as suppliers, students, patients or members
Coverage for defense costs in breach of written employment contract claims
Coverage for emotional distress damages in employee and third-party discrimination claims and specifically states its intent to pay front pay, back pay and pre- and post-judgment interest costs in employment claims
Access to EPL Pak® Premier, a package of loss prevention products and services designed to help institute proper workplace training, practices and document due diligence

Fiduciary

Extension of coverage to all directors, officers and employees of an organization who may have fiduciary or administrative responsibility for employee benefit plans including individuals who may not realize they have direct discretionary authority but may still be considered fiduciaries under applicable law
Coverage for the plan sponsor including, automatically, newly acquired subsidiaries whose assets do not exceed specified thresholds as well as the pension and benefit plans themselves
Coverage for a wide range of allegations including those arising from alleged lack of planning oversight, imprudent investments, failure to monitor and disclose plan fees and more
Coverage for the various types of plans an organization might maintain worldwide without a listing of specific plans1, including pension and welfare plans that are sold or terminated during the policy period and qualified and non-qualified plans
Coverage for certain fees and penalties imposed by the Internal Revenue Service (IRS) or the Department of Labor (DOL) when an organization acts to correct such defects under the DOL’s Voluntary Fiduciary Correction Program, the IRS’ Employee Plans Compliance Resolution System and the DOL’s and IRS’ Delinquent Filer Voluntary Compliance Program

1 Except for Employee Stock Option Plans (ESOPs)

Employed Lawyers

Coverage for claims commonly brought against in-house counsel, including employment-related claims arising out of an in-house attorney’s legal work, legal licensing procedures and civil, administrative or arbitration proceedings against an employed lawyer
Protection for an organization’s entire in-house legal team, including past, present and future full-time in-house attorneys and their paralegals and clerical staff
Extension of coverage for claims of negligence or breach of duty in legal services provided to not only employers, but also as moonlighting and pro bono services

Fidelity

Coverage for losses caused by a range of employees including directors, trustees and non-compensated officers performing employee duties, as well as students gaining work experience
Ability to enhance coverage for losses resulting from terminated employees during the first 30 days post-termination
Coverage for a wide range of losses arising from employee theft including those caused by non-employees arising from forgery and alteration, theft of money and securities, robbery and safe burglary and computer/funds transfer fraud
Coverage for half of the investigation expense associated with the Fidelity Research and Investigative Settlement Clause (FRISC)