“Written as such” is a phrase used to refer, usually in a reinsurance exclusion, to a separate policy written to cover a particular peril or risk when that particular peril or risk is the only peril or risk named in the individual policy. as opposed to policies that broadly cover various hazards or risks on a more ad hoc basis.
Misconduct is an event covered by many professional liability policies. Generally, “wrongful act” is defined as an act, error, or omission that occurs in the course of providing professional services.
A wrongful death claim is a claim brought on behalf of survivors or beneficiaries when a person has died as a result of wrongful conduct (negligent or intentional). Such claims are usually made by those who were financially dependent on the deceased. Damages recoverable under wrongful death claims are measured as damages incurred by virtue of the decedent being deprived of a natural life span. Such damages include medical expenses before death, loss of income during the expected natural life of the deceased, and loss of the consortium.
A wrongful deprivation of career opportunity is a type of employment-related lawsuit alleging that an employee was not provided with certain types of training that would have contributed to their career. For example, if a line manager is not allowed to enroll in a management course, this could result in a claim for wrongful deprivation of career opportunities. Employment practice liability insurance (EPLI) claims are usually covered by wrongful deprivation of career opportunities.
Wrongful disciplinary action is a type of employment-related claim that alleges that either (1) the employee was punished for a violation that did not occur, or (2) if the employee committed the violation, the disciplinary action taken for the violation was excessive. Claims related to wrongful disciplinary action are usually covered by Employment Practices Liability Insurance (EPLI) policies.
Wrongful denial of employment is a type of employment-related lawsuit alleging that an employer refused to hire a candidate who is qualified to do a particular job. Claims of wrongful denial of employment are sometimes combined with a claim of discrimination. Wrongful denial of employment claims are usually covered by Employment Practices Liability Insurance (EPLI) policies.
Wrongful denial of ownership or partnership is a type of action most often brought against educational institutions and professional organizations (typically law and accounting firms). Such actions allege that despite fulfilling all requirements for tenure/partnership, such as having served for the required number of years, publishing a certain number of books or professional articles, or achieving a certain ranking in professional/pedagogical assessments, the person has been unfairly denied possession/ partnership. Employment Liability Insurance (EPLI) policies written for professional organizations and educational institutions typically cover claims of wrongful denial of ownership or partnership as a standard peril. Wrongful denial of ownership or partnership coverage includes both the costs of defending the educational institution/professional firm against such allegations and the payment of any settlements or judgments related to these claims.
Wrongful promotion denial is a type of employment-related lawsuit alleging that a qualified employee has been denied a promotion. Claims of wrongful denial of promotion are often combined with claims of discrimination. Wrongful denial of promotion claims are usually covered by Employment Practices Liability Insurance (EPLI) policies.
Wrongful dismissal is the act of dismissing an employee in a manner contrary to law. In recent years, the erosion of the self-employment doctrine has been the factor most responsible for the increase in wrongful termination lawsuits. Coverage for this risk is provided under Employment Practices Liability (EPL) policies.