What is the next innovative liability coverage that fills a real need, but is not yet fully appreciated in the marketplace?
Let's think back to the 1980s, when most people thought “EPL” was a cruise line. Since then, a lot of premium (and commission) dollars have been spent on employment practices liability insurance. Many insureds have been protected from what could have been a “bet the company” claim, and many insurance brokers are unsung heroes for having strongly recommended that their business clients buy the strange new coverage called EPLI.
Related: Read Louie Castoria's previous Avoiding E&O column, “Check your list twice.”
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