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CRIS Questions with complete solution Section 5. 1 - Employment Practices Liability Insurance - correct answer ... Employment practices liability claims typically arise from one (or a combination) of the following five broad categories of conduct: - correct answer discrimination sexual har...

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  • August 20, 2024
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CRIS - Misc Lines - Ch.5 - Employment
Practices Liability Insurance
Section 5. 1 - Employment Practices Liability Insurance - correct answer ✔...


Employment practices liability claims typically arise from one (or a
combination) of the following five broad categories of conduct: - correct
answer ✔discrimination
sexual harassment
wrongful termination
retaliation
workplace torts (examples of which include, but are not limited to, invasion of
privacy and defamation)


Section 5. 2 - Nature of Contractor's Exposure - correct answer ✔....


Why do contractors EPL exposures differ from most businesses? - correct
answer ✔frequent use of temporary or seasonal workers and their workplace
environment


One of the issues with temporary workers concerns whether the temporary
employment or leasing agency has purchased ______ coverage for its
employees. - correct answer ✔EPLI


In most cases, the employment agency has procured this coverage, and this
should be specified in the contract between the contractor and the
employment agency.

, But if this is not the case, the contractor should.....? - correct answer ✔either
find a temporary employment agency that procures EPLI coverage or the
contractor should purchase such coverage.


The main EPL exposures associated with temporary or seasonal workers
are...? - correct answer ✔verbal, sexual, and physical harassment.


Age and sex discrimination are other sources of claims the contractor faces in
this area.


Section 5. 3 - Employment Practices Liability Coverage in Traditional Policies
- correct answer ✔...


Many insurers have begun to exclude these exposures from their liability
policies. The trend toward removing coverage for EPL claims is the direct
result of ...? - correct answer ✔a dramatic increase in the frequency and
severity of these claims.


General Liability Policies:
Although the standard commercial general liability (CGL) policy does not
exclude employment-related practices claims, Insurance Services Office, Inc.
(ISO), introduced a standard employment-related practices exclusion
endorsement in ______ that is commonly used by CGL insurers to eliminate
coverage for virtually all types of employment practices claims.


A number of insurers have drafted their own endorsements that either
substantially restrict or totally preclude EPLI coverage. - correct answer
✔1989


Commonly Excluded Employment Related Practices - correct answer
✔Refusal to employ

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