EPL Lion Not Yet Tamed Losses in the employment practices liability market are still growing and underwriters actions over the last two-plus years have not yet completely tamed this lion.
While real progress has been made, a good deal of work will need to be done just to keep up with the dynamic employment law climate. EPL is a line facing frequency and severity exposure; frequency is up and more severity pops may be on the horizon.
Frequency is rising due to continued growth in employee awareness, increased layoffs, and a more aggressive and growing plaintiffs bar specializing in employment law. Increased severity is due to more multiple claimant and class-action claims being filed at the state level against not just huge high-profile employers but also against mid-sized employers and employers with local or regional public profiles.
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