Title VII
In what year was Title VII established?
1964
This policy provision requires a claim to not only be made during the policy term but must also be reported to the insurer
What is "claims made and reported"
This is the component of an EPL policy that allows for Claims brought by non-employees
What is third-party coverage
The vast majority of EPL claims are:
A. Single plaintiff
B. Class Action
A. Single Plaintiff
What is typically NOT required as part of an EPL submission?
A. Renewal Application
B. Employee breakdown by state
C. Downsizing or layoff information form
D. EEO-1 Reports
E. All of the above are required
E. All of the above are required
Which of the following types of discrimination is NOT protected under Title VII?
A. Race
B. Color
C. Political affiliation
D. National Origin
C. Political affiliation
Defense counsel for this type of policy must be selected from a pre-approved list of law firms for a given insurance company
What is a duty to defend policy
Which of the following would NOT be deemed "Loss" under an EPL policy?
A. Settlements
B. Defense costs
C. Severance benefits
D. Judgments (including pre/post judgment interest)
E. All would be considered "Loss"
C. Severance
Similar to a Class Action, this type of litigation involves multiple plaintiffs who have allegedly been harmed in a similar manner, though the claim is brought individually
What is a Mass Action Claim
This supplemental questionairre often accompanies a renewal submission and affords additional information surrounding a companies use of biometric data?
What is the biometric information privacy application
In 1991, Title VII was expanded by this Act to allow for jury trials?
What is the Civil Rights Act
This EPL settlement policy provision caps the insurers liability should an insured refuse consent
What is the consent to settle provision or "Hammer Clause"
A written demand or threat of legal action for money or other redress/non-monetary relief?
What is a Claim
This common source of claims (prevalent in the retail industry) is centered around overtime wage violations under the fair labor standards act (FLSA) and is typically excuded under an EPL policy
What is a Wage & Hour violation
This British overseas territory in the North Atlantic can be a great marketing option for not only EPL cover but Wage & Hour as well
What is Bermuda
Title VII applies to employers with more than how many employees?
Fifteen
Provided periodically, typically on an annual or semi-annual basis, this useful tool serves as a means of updating insurers and contains a detailed list of pending employment claims and expenses incurred for a given insured
What is a bordereau
Who is an Insured under a typical EPL policy?
A. Full-time employees
B. Part-time employees
C. Seasonal/temporary employees
D. All of the above
D. All of the above.
In 2024, this state became the first to require employers to prevent Artifical Intelligence (AI) discrimination through notifications and impact assessments
What is Colorado
What governmental website can be accessed for detailed information on employment and litigation statistics?
This is the Federal Agency that administers and enforces Title VII?
Equal Employment Opportunity Commission (EEOC)
Policy condition that affords the insurance company the ability to pursue any/all potential rights of recovery in a given matter
What is subrogation
EPL policies not only cover discrimination under Title VII, but also these other workplace misconduct violations, including: misrepresentation, defamation, negligent evaluation and wrongful deprivation of a career opportunity to name a few...
What is a Workplace tort
In 2026, the EEOC will no longer investigate or litigate claims based solely on disparate impact theory in favor of this type of litigation which focuses on discriminatory workplace practices
What is systemic litigation
With 6 billion in annual premium placed nationally, this insurer is Marsh's largest EPL trading partner?
Who is Chubb