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Club Management Liability – Employment Practices Liability
What does this section cover?
This section covers the clubs, affiliations and associations for claims arising out of Wrongful Acts relating to employment. Such Wrongful Acts may include discrimination, harassment or unfair dismissal actions.
What is the limit of cover?
$10,000,000 each loss and in the aggregate any one period of insurance.
$5,000 Deductible (costs inclusive).
Note – Limits of liability and any deductible amounts are reduced or exhausted by Defence Costs.
The maximum limit of liability for all Liability Coverage (i.e. Employment Practices and Directors & Officers Liability) is $10,000,000 each Policy Period.
Where are you covered?
This section protects against liabilities anywhere in the world except for the USA.
What are some of the major exclusions under this section of the policy?
The following exclusions could affect you:
- Bodily Injury or Property Damage – there is no cover under this policy for bodily injury, sickness, disease or death (insured under General Public & Products Liability);
- Specified sums under contract;
- Fraud – any claim in consequence of a deliberate fraudulent act or omission as per the policy;
- Prior and pending litigation (15th August 2003).