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...
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)
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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