Products

Employment Practices Liability for Law Firms

ProLawyer Insurance, LLC is able to offer Employment Practices Liability for law firms through Carolina Casualty Insurance Company, an A.M. Best “A” (Excellent) rated
carrier with the following coverage features1:

• Broad Definition of Insured
  includes employees: full-time, part-time, leased, seasonal and temporary, as well as insured entity and any subsidiary (as defined by the policy)
• Broad Definition of a wrongful act
  includes discrimination, harassment (including sexual), wrongful termination, constructive discharge, wrongful failure to hire, wrongful demotion, retaliation, misrepresentation, infliction of emotional distress, defamation, invasion of privacy, humiliation, wrongful evaluation, and breach of implied contract relating to employment
• Bodily Injury exclusion
  includes carve out for emotional distress, mental anguish, defamation (including libel and slander), invasion of privacy, or humiliation in connection with a claim for a wrongful act
• Duty to defend policy language
• Broad Definition of claim
  includes written demand or assertion for monetary or non-monetary relief
• Loss includes punitive or exemplary damages up to the limit of liability
  where insurable; most favorable jurisdiction language applies
• Automatic coverage for subsidiaries created or acquired during the policy
  period whose assets are less than 25% of the insured entity
• EEOC (or state equivalent) charges are covered
• No intentional acts exclusion
• No downsizing exclusion
• No copyright/patent exclusion
• Full prior acts coverage available to qualifying firms
• 36 month extended reporting period
  available if the named insured cancels or if the insurer or named insured refuses
  to renew
• Worldwide coverage
• No co-insurance
• Limits of Liability up to $5 million
• Deductibles available from $15,000

1 Note that this is not part of an insurance contract and does not supersede the policy. Please consult the policy for complete terms, conditions and exclusions.

Special Law Firm Enhancements

• Third party liability
  
• Definition of insured to include partners
• Modification of “hammer clause” (75%/25% co-insurance)
• Coverage for failure to promote partner

Optional Coverage Enhancements for Qualifying Firms

• Co-defendants liability
• Costs of defense in addition to the limit of liability
• Waiver of deductible (if a ruling of no liability is obtained)

Risk Management Services

• Interactive Loss Prevention Manual – “Guidelines for Reducing Exposure to
  Employment Lawsuits”
• Toll Free Employment Practices Loss Prevention Hotline