Many lines of insurance are still experiencing a soft market cycle. Management liability for private companies and not-for-profit entities are no exception. Cycles can change for a variety of reasons and in a variety of ways. The shift in an insurance cycle may run parallel to the overall business and economic cycles, a catastrophe or series of large perils, fluctuations in market capacity, underwriting appetite and loss results. Regarding the latter, there are some telling signs along the horizon.
Directors and officers liability (D&O) and employment practices liability (EPL) are usually bundled in the same policy form for private companies and non-profits. EPL commonly leads the way with claim frequency while the D&O may present severity concerns.
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