Specialized Protection and Features of the D&O and/or EPL Coverage Sections

• Worldwide Coverage
• Broad definition of Insured Person extended to leased employees, independent contractors, and volunteers
• Broad definition of Claim
• Punitive Damages Coverage –most favorable venue
• Spousal/Domestic Partner Extension Coverage
• Duty to Defend form with 100% pre-determined allocation of Defense Expenses
• ODL coverage included for service in any not-for-profit entity at the organization’s request
• Emotional distress/mental anguish coverage
• Risk manager/general counsel knowledge triggers notice requirement and 90-day post-policy Claim reporting
• Full severability of the Application for all Insured Persons; Side A coverage under the D&O Coverage Section is non-rescindable
• Policy non-cancelable by the Underwriter except for nonpayment of premium
• Coverage for Investigative Costs arising out of shareholder derivative demands under the D&O Coverage Section
• Coverage for Roadshow Wrongful Acts under the D&O Coverage Section
• Additional limit for Privacy Breach Event Reimbursement Coverage under the D&O Coverage Section
• Final adjudication language for conduct exclusions under the D&O Coverage Section
• Additional Carvebacks to Insured versus Insured Exclusion under the D&O Coverage Section
• No Consent to Settle provision under the D&O Coverage Section
• Broad definition of Employment Practices Wrongful Act under the EPL Coverage Section
• Third-Party Liability Coverage included under the EPL Coverage Section
• Coverage under the EPL Coverage Section is specifically primary
• Access to Employment Practices Risk Management Services, including:
  • Hotline available 24/7 in conjunction with Jackson Lewis LLP
  • Webinars, reference materials (including case law updates) and news clippings focusing on current topics in employment law
  • Training services with respect to employment laws and policy/procedure review, by external service providers for a fee