EPLI coverage is typically
written on a claims-made
basis. Which means it
covers a claim only if the
incident and the filing of the
claim occur while the
insurance policy is in force
and during the retroactive
period or tail period of
coverage offered by the
specific policy. Because
employment claims are
usually made months or
years after the incident in
question, an employer could
be vulnerable if the
insurance coverage was
dropped or if tail coverage
wasn't purchased.
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