*Broad definition of employees to include leased or contracted individuals, independent contractors and applicants for employment.
*Full retaliation coverage
*Punitive damaged coverage
*(Most favorable venue language)where insurable
*No exclusion for reduction in force or mass layoffs
*No intentional acts exclusion Third party coverage built into form and is available for an additional premium. Broad definition of third party
*Broad definition of ClaimBroad definition of Loss inclusive of Prejudgment and Post judgment awards
*Broad Wrongful Act definition
*Additional Limit for Defense Costs is available for an additional premium
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*Loss specifically includes front pay and back pay.
*BIPD exclusion modified not to apply to mental anguish or humiliation for all claims
*Wage and Hour Sublimit up to $250,000 offered on most classes
*No prior subsidiary exclusion
*Favorable other insurance provision, such that policy would be primary for Employment practices Claims and excess of other insurance for Third Party Claims.
*Duty to defend form
*World wide coverage
*Coverage non cancelable by Underwriters except for non-payment of premium.
*Broad definition of Insureds, including coverage for Directors and
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Officers, employees as well as the corporate entity and any such organization as a debtor -in-possession or a bankruptcy estate of such entity.
*Severability as respects all exclusions and the application.
*Spousal/domestic partner extension
*Broad definition of subsidiary to include automatic coverage for newly created or acquired subsidiaries with no threshold or reporting requirements.
*Automatic coverage for joint ventures.
*Multiple year run off and discovery period options offered at time of quote.
*Bilateral discovery
*No Hammer clause
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