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Publications

Gen Re Research publications are another way we deliver underwriting expertise to clients. Gen Re's wealth of knowledge on various matters related to insurance and reinsurance issues is available to our clients on a global basis in several languages. Our aim is to deliver timely insights prepared by our specialists on topics that are most important to you. From mining risks to uninsured motorists to building contractors, we stay current with developments affecting the risks you write. Through our publications, we add to the ways we share that information with you.

Our research is prepared for and shared with the Gen Re client community. Some articles are generally available to all visitors while most research publications are for "clients only." Gen Re's clients can access our full research library and search capabilities through Gen Re Online, our Extranet. Clients can also obtain electronic and print copies of any individual publications by contacting us at . Our Publication Index provides a listing and summary of all research material, and is available on our home page. You can obtain more information about Gen Re Online and our publication library through your Gen Re account executive, or by emailing us at .

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Employment Practices Liability (EPLI)
   E-News EPLI -- Using Risk Management (RM) Services to Sell EPLI - New Flyer

Issue: December, 2009   Language: English
Author:  Mindy Pollack
Summary: From the Gen Re EPLI Team **Available as a PDF only. Hard copies are not available.**

   E-News EPLI -- New EPLI Marketing Tool - Online Presentation

Issue: November, 2009   Language: English
Author:  Mindy Pollack
Summary: From the Gen Re EPLI Team **Available as a PDF only. Hard copies are not available.**

   EPLI Monitor -- EPLI in 2009--Hot Product in a Cold Economy

Issue: November, 2009   Language: English
Author:  Mindy Pollack
Summary: This edition of EPLI Monitor discusses EPLI in 2009 - Hot Product in a Cold Economy; Underwriting - Addressing Prior Acts; Q&A with Mike Soltis of Jackson Lewis LLP; Claims - Claims-Made Triggers and Late Notice; Forms - The 2010 ISO BP EPLI Endorsement; and New Employment Laws and Cases - Disability and Age Discrimination.

   Why Do I Need Employment Practice Liability?

Issue: November, 2009   Language: English
Author:  Mindy Pollack
Summary: This tri-fold brochure was created to promote Gen Re's EPLI line of business. The PDF attached is the "template" version of the brochure. Gen Re account executives can offer customization for clients, to help clients promote the line. The Gen Re account executive would work with MDS to do this. MDS will take the client's corporate logo, font and colors and change the design to match our client's look. With an email agreement of how the brochure will be used, MDS can either send the brochure's graphic files to our printer or one chosen by the client. Print costs are usually carried by the client, although the account executive may offer some assistance.

   Gen Re Viewpoint: EPLI - Risk Management Can Help Sell EPLI

Issue: September, 2009   Language: English
Author:  Mindy Pollack
Summary: This Viewpoint provides marketing points, a cost outline and the benefits of Gen Re's risk management services that are available to EPLI clients.

   EPLI Claim Sampler

Issue: July, 2009   Language: English
Author:  Mindy Pollack
Summary: Claim examples are always a good way to demonstrate the value of insurance, and many clients have asked for EPLI examples to use in their agent communications and other newsletters. In response, Gen Re has prepared a claim sampler flyer containing actual EPL verdicts and settlements from around the country taken from LexisNexis. The variety of loss scenarios and awards is intended to illustrate the wide reach of EPLI exposures. For clients who want to customize this flyer, please refer to the "Employee Lawsuits Happen" flyer.

Asian Casualty Report 2009 - Click here to order printed copy or download PDF file  (size: 0,20MB)

Issue: July, 2009   Language: English
Summary: Contents by Country / Compensation/Damage Summary Table / Commercial General Liability/Public & Products Liability / Professional Indemnity / Medical Malpractice Liability / Workmens Compensation & Employers' Liability / Directors' & Officers' Liability / Employment Practices Liability / Automobile Liability / Environmental Liability

   EPLI -- Employee Lawsuits Happen--EPLI Offers Protection and Services for Your Business (Claim Sampler for Client Customizing)

Issue: July, 2009   Language: English
Author:  Mindy Pollack
Summary: Claim examples are always a good way to demonstrate the value of insurance, and many clients have asked for EPLI examples to use in their agent communications and other newsletters. In response, Gen Re has prepared a claim sampler flyer containing actual EPL verdicts and settlements from around the country taken from LexisNexis. The variety of loss scenarios and awards is intended to illustrate the wide reach of EPLI exposures.

   E-News EPLI -- New Wisconsin Employment Law Expands Damages for Some Employers

Issue: June, 2009   Language: English
Author:  Mindy Pollack
Summary: From the Gen Re EPLI Team **Available as a PDF only. Hard copies are not available.**

   E-News EPLI -- Layoffs Without Lawsuits -- Make Sure Reasons Are Valid

Issue: June, 2009   Language: English
Author:  Mindy Pollack
Summary: From the Gen Re EPLI Team **Available as a PDF only. Hard copies are not available.**

   EPLI -- Managing Employment Risk -- Two Free Resources from The McCalmon Group and Jackson Lewis, LLP

Issue: June, 2009   Language: English
Summary: This flyer was created to jointly promote the EPLI Risk Management Hotline and Website, contracted with Jackson Lewis LLC and The McCalmon Group, respectively. Clients may customize this flyer with their corporate logo, font and colors, for them to market these services.

   E-News EPLI -- Handling Employee Theft -- Tools to Avoid EPLI Claims

Issue: March, 2009   Language: English
Summary: From the Gen Re EPLI Team **Available as a PDF only. Hard copies are not available.**

   E-News EPLI -- Latest Round of Developments

Issue: February, 2009   Language: English
Summary: From the Gen Re EPLI Team **Available as a PDF only. Hard copies are not available.**

   E-News EPLI -- Legislative Outlook in the New Congress

Issue: December, 2008   Language: English
Summary: From the Gen Re EPLI Team **Available as a PDF only. Hard copies are not available.**

   E-News EPLI -- Employment Trends -- What to Do in Uncertain Times

Issue: November, 2008   Language: English
Summary: From the Gen Re EPLI Team **Available as a PDF only. Hard copies are not available.**

   EPLI Monitor - Marketplace Trends: Opportunity and Challenge in 2009

Issue: November, 2008   Language: English
Authors:  William Baumann,  James Nealon,  Mindy Pollack
Summary: In this edition we feature articles from three leading employment law firms, along with insights from the Gen Re EPLI Team. The topics include: EPLI Marketplace - Opportunities and challenges in 2008-2009; Third-Party Endorsements - Explaining the coverage issues and options; Q&A on the Economy and Impact on EPLI; EPLI Panel Counsel and Claims - Distinguishing your policy in the market; ADA and Retaliation - Risk management tools and New Employment Laws and Cases.

   Publications -- A Compendium of Our Property/Casualty Research -- 2008

Issue: October, 2008   Language: English
Summary: This annual publication was created for senior-level clients who don't always see all the various publications we produce. It contains reprints of the Gen Re Research articles printed from September 2007 - August 2008. You can give it to Prospects after March 1, 2009; otherwise hand out the 2007 version.

   EPLI - Why Should You Consider Writing Employment Practices Liability Insurance?

Issue: September, 2008   Language: English
Author:  Mindy Pollack
Summary: This marketing flyer discusses why companies should include EPL among their product offerings. The second side outlines the various ways in which Gen Re can help our clients write, sell and grow the line.

   Employment Practices Liability Insurance Options--The Right Product for You and Your Customers

Issue: September, 2008   Language: English
Author:  Mindy Pollack
Summary: This flyer describes Gen Re's three EPLI product options to assist clients in determining the EPLI product plan best suited to their market, their company and their growth goals.

   Regarding Risk: Climate Uncertainty - Protecting Your Company

Issue: September, 2008   Language: English
Summary: Catastrophe modeling firms are responding to signals of climate changes and to the surrounding uncertainty. Cat models help insurers make important decisions about capital management, reinsurance purchases and their underwriting guidelines. This cover article, jointly written by Gen Re Intermediaries and Gen Re, addresses some of the near-term effects of climate uncertainty on property insurance risk management. Other articles in the publication include opportunities in EPLI and a spotlight on Gen Re's Special Acceptance Unit.

EPLI Publications - Articles by Topic  (size: 0.61MB)

Issue: September, 2008   Language: English
Summary: Gen Re publishes our research on the latest EPLI issues and trends. This index captures articles printed in Gen Re's two newsletters, EPLI Monitor and EPLI FYI, as well as in other Gen Re newsletters, sorted by topic.

   Employment Practices - Resources and Services - How Gen Re Can Help You

Issue: September, 2008   Language: English
Summary: This marketing flyer gives an in-depth look at the various ways that Gen Re can help our clients deliver the EPLI product.

   EPLI -- How to Overcome 7 EPLI Sales Objections

Issue: August, 2008   Language: English
Author:  Mindy Pollack
Summary: This marketing flyer was created to help clients and agents sell EPLI. It gives seven common reasons why people do not buy the coverage with points to help insurers and agents overcome those objections. Claim examples are also included to highlight the exposures in all regions. Since our clients may want to distribute this flyer to their agents, this is one of our publications that we can allow for client customization.

   EPLI Jurisdictional Survey - 2008

Issue: June, 2008   Language: English
Summary: The employment laws are always changing. Our 2008 Employment Practices Jurisdictional Survey is a comprehensive look at the EPLI federal and state laws that control the rights of workers suing for wrongful employment practices. This new edition from Gen Re and Jackson Lewis is current through January 1, 2008, but a few more recent federal law developments were added before printing. It includes a general discussion of employment law, and an overview of common law employment claims. A section on drug testing laws has been updated as well.

Asian Casualty Report 2008 - Click here to order printed copy or download PDF file  (size: 0,27MB)

Issue: June, 2008   Language: English
Summary: Contents by Country / Compensation/Damage Summary Table / Commercial General Liability/Products Liability / Construction Liability / Professional Indemnity/Errors & Omissions / Medical Malpractice Liability / Workmens Compensation & Employers' Liability / Directors' & Officers' Liability / Employment Practices Liability / Automobile Liability / Environmental Liability

   EPLI FYI -- Reducing Employment Claims

Issue: April, 2008   Language: English
Summary: Small businesses dont always have the time or personnel to address employment exposures. In this publication, two leading Human Resources risk managers provide employers with best practices and practical tips for reducing their exposure to employee claims. Topics include: Steps to take before terminating an employee; Essential contents of an employee handbook; Red flags for future claim problems; and Emerging employment liability issues.

   E-News EPLI -- EEOC -- Discrimination Complaints Increase in 2007

Issue: March, 2008   Language: English
Summary: From the Gen Re EPLI Team **Available as a PDF only. Hard copies are not available.**

   E-News EPLI -- Family Medical Leave Act Expanded -- Military Families

Issue: February, 2008   Language: English
Summary: From the Gen Re EPLI Team **Available as a PDF only. Hard copies are not available.**

   EPLI Training -- Online Seminar for Employment Practices Liability Insurance

Issue: January, 2008   Language: English
Author:  Mindy Pollack
Summary: This flyer was created to promote Gen Re's EPLI online training course "Why EPLI? Why Now?!" The course is available to agents and other insurance professionals interested in knowing more about the value of the EPLI product for their accounts. The online course can be customized with the client's logo, and this flyer can customize to a client's logo, brand design, colors and font. Print costs of the flyer will be carried by the client.

   Policy Wording Matters - The 2007 ISO Commercial Property Edition -- What's New?

Issue: December, 2007   Language: English
Authors:  Douglas Clark,  Charlie Kingdollar,  Mindy Pollack
Summary: This edition of Policy Wording Matters focuses on: Commercial Property Forms--ISO's 2007 edition changes reflect lessons from 9/11; Personal injury and the Internet--AAIS and ISO Approaches; Common Coverage Questions; Coverage in contractor and mold cases; Sexual Abuse Exclusion upheld; and Legal developments involving form revisions, pollution exclusions, liquor liability exclusions, suit time limits and more.

Loss & Litigation Report - EPLI-Schadenfälle in ausgewählten europäischen Ländern - Click here to order printed copy or download PDF file  (size: 0,24MB)

Issue: November, 2007   Language: Deutsch
Summary: Einführung / Tabelle mit Fallbeispielen / Fallbeschreibungen: Belgien, Dänemark, Deutschland, Frankreich, Irland, Italien, Niederlande, Österreich, Schweiz, Spanien, Tschechische Republik, USA, Vereinigtes Königreich / Index

Loss & Litigation Report - The New Spotlight on Employment Practices Liability in Europe - Click here to order printed copy or download PDF file  (size: 0,30MB)

Issue: October, 2007   Language: English
Summary: Table of Illustrative Cases / Case Summaries by Country: Austria, Belgium, Czech Republic, Denmark, France, Germany, Ireland, Italy, Netherlands, Spain, Switzerland, United Kingdom, USA / Company Index

   E-News EPLI -- EPLI News Recap -- Recent Verdicts and Trends

Issue: October, 2007   Language: English
Summary: From the Gen Re EPLI Team **Available as a PDF only. Hard copies are not available.**

   E-News EPLI -- Family Medical Leave Act

Issue: February, 2007   Language: English
Summary: From the Gen Re EPLI Team **Available as a PDF only. Hard copies are not available.**

   E-News EPLI -- New EEOC Enforcement Data

Issue: February, 2007   Language: English
Summary: From the Gen Re EPLI Team **Available as a PDF only. Hard copies are not available.**

   Publications -- A Compendium, of Our Property/Casualty Research -- 2006

Issue: November, 2006   Language: English
Summary: This publication was created for CEO-level clients who don't always see all the various publications we produce. It contains reprints of the Gen Re Research articles from December 2005 to October 2006. The Studies printed during this time period are listed, but not reprinted here.

   E-News EPLI -- Website Inaccessible to Blind Triggers ADA Claim

Issue: October, 2006   Language: English
Summary: From the Gen Re EPLI Team **Available as a PDF only. Hard copies are not available.**

   EPLI Monitor - For Increasing EPLI Sales, Agents Could Lead the Way

Issue: October, 2006   Language: English
Summary: This edition of EPLI Monitor discusses: How you might increase EPLI product sales through agent education & awareness; EPLI loss statistics; Handling the transfer of defense duties to the insured; and Retaliation claims under a new U.S. Supreme Court decision. This publication's target audience is EPLI product line managers, underwriters, marketers and claims professionals.

   E-News EPLI -- Good Underwriting Applications Avoid Unexpected EPLI Claims

Issue: August, 2006   Language: English
Summary: From the Gen Re EPLI Team **Available as a PDF only. Hard copies are not available.**

   E-News EPLI -- Recovering Legal Fees on Noncovered Claims

Issue: May, 2006   Language: English
Summary: From the Gen Re EPLI Team **Available as a PDF only. Hard copies are not available.**

EPLI FYI - EPLI and Non-Profit Entities--You Don't Need a Deep Pocket for Liability  (size: 0.24MB)

Issue: May, 2006   Language: English
Summary: This edition of EPLI FYI focuses on non-profit entities and EPLI -- marketing, laws, exposures and insurance coverage considerations for the insurance underwriter contemplating, or entering, this niche market.

   EPLI Publications - Articles by Topic

Issue: March, 2006   Language: English
Summary: Gen Re publishes our research on the latest EPLI issues and trends. This index captures articles printed in Gen Re's two newsletters, EPLI Monitor and EPLI FYI, as well as in other Gen Re newsletters, sorted by topic.

Gen Re Publikationen Global Casualty Facultative - Click here to order printed copy or download PDF file  (size: 1,28MB)

Issue: December, 2005   Language: Deutsch
Summary: Zusammenfassung aktueller GCF Publikationen

   EPLI Monitor - New EPLI Product Joins Stand-Alone Policies

Issue: August, 2005   Language: English
Authors:  Morris Barto,  Elizabeth Benet
Summary: **Available as PDF only. Hard copies no longer available.** This issues discusses Lifestyle discrimination laws and compliance issues; the new BOP endorsement for EPLI protection; claims-made policy wording issues; Age discrimination, Fair Labor Standards Act, and claim waiver decisions. The goal of each EPLI Monitor is to keep marketers informed about the trends and issues that face underwriters in the Employment Practices Liability line of business. Each newsletter features articles on underwriting, marketing and legal issues within the Employment Practices realm as well as interesting loss scenarios and facts that can be used as educational tools for insureds and agents.

Regarding Risk: Dynamic Financial Modeling -- Measuring Risk for Better Decisions  (size: 0.53MB)

Issue: May, 2005   Language: English
Summary: **Available as a PDF only. Hard copies no longer available.** This newsletter about risk discusses the uses and benefits of Dynamic Financial Modeling (DFA), underwriting G/L for contractors, new EPLI products, and a variety of recent Gen Re research and industry developments, including Gen Re's chronic pain study, obesity claims, business interruption, youthful drivers, and our new management seminar series launched this month.

   EPLI FYI - How Should Business Respond to a More Religious Workplace?

Issue: March, 2005   Language: English
Author:  Elizabeth Benet
Summary: **Available as a PDF only. Hard copies no longer available.** This article discusses the legal and practical considerations for employers when religious issues enter the workplace.

   EPLI Monitor - Step Rating - Is Size a Good Predictor of Exposure?

Issue: June, 2004   Language: English
Authors:  Elizabeth Benet,  Alice Zelikson
Summary: **Available as PDF only. Hard copies no longer available.** The goal of each EPLI Monitor, formerly known as EPLI Update, is to keep marketers informed about the trends and issues that face underwriters in the Employment Practices Liability line of business. Each newsletter will feature articles on underwriting, marketing and legal issues within the Employment Practices realm as well as interesting loss scenarios and facts that can be used as educational tools for insureds and agents.

EPLI FYI - Employer Access to Employee E-mails   (size: 0.11MB)

Issue: April, 2004   Language: English
Author:  Renate Jordan
Summary: **Available as PDF only. Hard copies no longer available.** Employers and employees alike may often wonder whether or not the former can intercept or gain access to the e-mails of the latter. This issue of EPLI discusses recent case law and Gen Re's perspective on adopting an e-mail company policy. EPLI FYI is released periodically to keep Gen Re clients informed about emerging issues facing EPLI underwriters.

   EPLI Monitor - The Good, the Bad and the Outstanding

Issue: November, 2003   Language: English
Summary: **Available as PDF only. Hard copies no longer available.** The goal of each EPLI Monitor is to keep marketers informed about the trends and issues that face underwriters in the Employment Practices Liability line of business. Each newsletter will feature articles on underwriting, marketing and legal issues within the Employment Practices realm as well as interesting loss scenarios and facts that can be used as educational tools for insureds and agents.

   EPLI FYI - Underwriting EPLI Third-Party Exposures

Issue: January, 2003   Language: English
Summary: **Available as PDF only. Hard copies no longer available.** This newsletter defines third-party exposures, notes recent third-party liability verdicts and cases, and discusses other policy form and underwriting issues related to third-party liability. EPLI FYI is released periodically to keep Gen Re clients informed about emerging issues facing EPLI underwriters.

   EPLI Monitor - Sexual Harassment in the Workplace

Issue: December, 2002   Language: English
Summary: **Available as PDF only. Hard copies no longer available.** The goal of each EPLI Monitor is to keep marketers informed about the trends and issues that face underwriters in the Employment Practices Liability line of business. Each newsletter will feature articles on underwriting, marketing and legal issues within the Employment Practices realm as well as interesting loss scenarios and facts that can be used as educational tools for insureds and agents.

   EPLI FYI - California Court of Appeals Rejects Class Action Seeking Back Overtime Pay

Issue: October, 2002   Language: English
Summary: **Available as PDF only. Hard copies no longer available.** Class-action lawsuits alleging that employees were improperly classified as exempt have led to enormous liability for California employers, particularly insurers. This issue discusses a recent Second Appellate District of the California Court of Appeals ruling on Sav-On Drugstores, Inc. v. Superior Court. The decision provides arguments for employers to avoid class treatment of overtime claims and thereby limiting their exposure.

   EPLI FYI - Workforce Reductions and Layoffs

Issue: June, 2002   Language: English
Summary: **Available as PDF only. Hard copies no longer available.** Employers initiating a layoff often face employment practice claims from employees alleging discrimination, retaliation, breach of contact and other torts. This could have a dramatic impact on how EPL underwriters manage this evolving line. EPLI FYI is released periodically to keep Gen Re clients informed about emerging issues facing EPLI underwriters.

   EPLI Monitor - Employment Practices Claims: An Update on Recurring Coverage Issues

Issue: May, 2002   Language: English
Authors:  Morris Barto,  Brian Monahan
Summary: **Available as PDF only. Hard copies no longer available.** The goal of each EPLI Monitor, formerly known as EPLI Update, is to keep marketers informed about the trends and issues that face underwriters in the Employment Practices Liability line of business. Each newsletter will feature articles on underwriting, marketing and legal issues within the Employment Practices realm as well as interesting loss scenarios and facts that can be used as educational tools for insureds and agents.

   EPLI FYI - Front Pay Damages Not Subject to Punitive and Compensatory Damage Cap

Issue: November, 2001   Language: English
Summary: **Available as PDF only. Hard copies no longer available.** This issue highlights the U.S. Supreme Court's unanimous reversal of the Court of Appeals for the Six Circuit in Pollard v. E.I. du Pont de Nemours & Company, thereby holding that front pay damages in Title VII cases are not subject to the statutory caps imposed on compensatory and punitive damages by the Civil Rights Act of 1991. EPLI FYI is released periodically to keep Gen Re clients informed about emerging issues facing EPLI underwriters.

   EPLI Update - Employment Practice and Privacy

Issue: September, 2001   Language: English
Summary: **Available as PDF only. Hard copies no longer available.** The goal of each newsletter is to keep marketers informed about the trends and issues that face underwriters in the Employment Practices Liability line of business. Each newsletter will feature articles on underwriting, marketing and legal issues within the Employment Practices realm as well as interesting loss scenarios and facts that can be used as educational tools for insureds and agents.

   EPLI FYI - Cruise Lines and the ADA

Issue: May, 2001   Language: English
Summary: **Available as PDF only. Hard copies no longer available.** This article discusses the American with Disabilities Act and Cruise Lines. For EPLI underwriters and claim professionals, this article is an interesting case study of how employers are exposed to discrimination under the ADA not only from their employees, but also from passengers (third parties) on cruise lines. EPLI FYI is released periodically to keep Gen Re clients informed about emerging issues facing EPLI underwriters.

   EPLI FYI - Employment Practice Claims Handling and the Use of TPAs

Issue: April, 2001   Language: English
Summary: **Available as PDF only. Hard copies no longer available.** This article surveys the skill sets necessary to effectively manage employment-related claims, the legal issues pertaining to the use of TPAs, and suggests some considerations for implementing an effective claim model, whether or not the insurer plans to use a TPA. EPLI FYI is released periodically to keep Gen Re clients informed about emerging issues facing EPLI underwriters.

   EPLI Update - Workplace Violence

Issue: January, 2001   Language: English
Summary: **Available as PDF only. Hard copies no longer available.** The goal of each newsletter is to keep marketers informed about the trends and issues that face underwriters in the Employment Practices Liability line of business. Each newsletter will feature articles on underwriting, marketing and legal issues within the Employment Practices realm as well as interesting loss scenarios and facts that can be used as educational tools for insureds and agents.

   EPLI FYI - EPLI Issues for Start-Up Companies

Issue: October, 2000   Language: English
Summary: **Available as PDF only. Hard copies no longer available.** This article highlights the problems startup companies have with employment-related pracatices. EPLI FYI is released periodically to keep Gen Re clients informed about emerging issues facing EPLI underwriters.

   EPLI Update - A Dive Into the Murky Waters of Third-Party EPLI Coverage

Issue: February, 2000   Language: English
Summary: **Available as PDF only. Hard copies no longer available.** This issue contains several articles: A Dive Into the Murky Waters of Third-Party EPLI Coverage, Interesting Websites, Assessing Employee Turnover by Industry, Potential Pitfalls of Low-Limits Coverage, Howe Far Do Employers Have to Go to Achieve a Reasonable Accommodation for Disabled Workers?, The Supreme Court's Trio of Recent ADA Rulings, Did You Know?, Global Cas Fac Announces EPLI Reinsurance Solutions, Pregnancy Discrimination Act, Future Events

   Facultative Matters, December 1999

Issue: December, 1999   Language: English
Summary: **Available as PDF only. Hard copies no longer available.** This issue contains articles entitled The New Madrid Earthquakes, EPLI, Irrigation, and Property Losses.

   EPLI Update - Did Last Year's Trilogy of Supreme Court Decisions Change the Rules Governing Liability in Non-Hostile Work Environment Discrimination Claims?

Issue: August, 1999   Language: English
Summary: **Available as PDF Only. Hard Copies no longer available.**The goal of each newsletter is to keep marketers informed about the trends and issues that face underwriters in the Employment Practices Liability line of business. Each newsletter will feature articles on underwriting, marketing and legal issues within the Employment Practices realm as well as interesting loss scenarios and facts that can be used as educational tools for insureds and agents.

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