The scope of a common exclusion in Employment Practices Liability Insurance (EPLI) policies relating to “wage-and- hour and overtime law(s)” is narrower than a trial court found and therefore EPLI coverage can apply to a wider set of employment claims, according to the California Court of Appeal in the 4th Appellate District.

After years of losses in the multifamily habitational market, insurers have become far more cautious for both property and casualty coverages, cutting back capacity or even leaving the market altogether. Rates and deductibles have been rising—sometimes significantly—as carriers, more closely scrutinize the risks they are willing to entertain while adding a variety of exclusions.

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The CDC estimates that almost 3 million Americans were affected by concussion or traumatic brain injury (TBI) related emergencies in 2014, with almost a third of those events impacting children.

The marketplace for directors' and officers’ liability insurance is changing, but what those changes ultimately will mean is not yet clear. In a classic case of cause and effect, litigation and losses that have been pressuring D&O insurers for some time are prompting underwriters to raise rates, tighten terms and conditions, and cut capacity. D&O for public companies has changed dramatically, and financial pressures are now forcing changes to coverage for private and nonprofit organizations as well.