EEOC charges are not reported under an EPL (Employment Practices Liability) policy. Under most EPL policies, whether mono-line or part of a management liability package, EEOC charges are specifically included within the definition of a Claim.
Insureds may mistakenly consider an EEOC charge as an investigation or inquiry, but the charge is required to be reported to the EPL insurer as soon as practicable, in most cases, and implicitly prior to a response to the initial EEOC or state Civil Rights Commission.
Too frequently, insureds report claims under an Employment Practices Liability policy first when the insured receives a civil suit, long after the EEOC charge has been answered and after the EEOC has disposed of the case.
At that time, it is usually too late.
ABOUT CINCINNATI INTERMEDIARIES
Cincinnati Intermediaries is an insurance wholesale broker focused exclusively on the placement of management and professional liability insurance. They have sound expertise in Management Liability, E&O, D&O, Miscellaneous Professional, Cyber, Architects & Engineers, Financial Institutions, Lawyers and Non-Profits. Headquartered in Cincinnati, OH, they operate nationwide and are able to assist retail insurance agents with placement of coverage nationally. Cincinnati Intermediaries represents the majority of the admitted and surplus lines insurance carriers that focus on professional liability insurance in the United States.