Buyers Answer Questions, Get Creative In Hard EPL Market Coverage for employment practices liability, while still available, is more expensive and underwriters' questions are more detailed than ever, insurance buyers report.

“It's a roof to boiler room inspection, basically,” said Lance Ewing, president of the Risk and Insurance Management Society in New York, and executive director, risk management of Park Place Entertainment in Las Vegas.

“Before, [underwriters] were focused on more generic issues like training and handbooks.” Now, Mr. Ewing said, there are more questions and the length and depth of these issues compared to three to five years ago has increased, with inquiries focused on all levels of employment.

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