Insurance Coverage for Employment Practices Claims/Suits
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1 Insurance Coverage for Employment Practices Claims/Suits 1 By: Kathleen S. Edwards 2 Molly Nelson Ferrante 3 " #" " $ " %& ' ' ( ) #" *% #*% ' + - %( %( %( '. /+0/ 0 /+0/ 0. 1 The opinions contained in this paper are those of the authors and do not represent the opinions or the Liberty Mutual Insurance Group generally or with respect to the interpretation of any insurance policy issued by that Company. 2 Assistant Vice President and Senior Counsel Liberty Mutual Insurance Company. 3 Formerly Counsel Liberty Mutual Insurance Company. 1
2 1 / +0 / 0 /0"/ 0$ 2 / +0 / 0 /+0/ 0 /0 3 )+ / +0 / + " 0 / / & " /+0 9 ( 8 35 / +0 6:" 4 " #$ %&' () * + -. / ** 44564* + /33 -. / 7 1 8%) 5 * / 7 ' $ 555 8") +0' / % ") %9 %3 33 ' (' :) 15 ) ) / 0 *4 /) ** +8; -. < < 3 3 1* ( - :) =' 3 ) >? 2 : 5 ) 4 * +* # =-. # ) A= 4 ) # & =-. " / >$ "' *4 33 4* 4* +%7 B 14-. %6C ) > # # ) 4* () 5 +"' 1* ") 145 +" /33 -+3' ) 3- *4 /) ** 4 +8; - *4 /) +8; - 2
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5 6:" "<== + 3 <== + ' ' +'5 %( 5 + ; (+ 8/+0 /0>/+0? /+0. 1?$ 2 8$ =? 3 *5 ) E $ "7 /$ -. 3 ' 8 = D$ 3 ) + 3 * * $ E) = ): ) > A 5 ) $ 8: < -. ) 0$ /) ) " J* +%7 -. ( A3 3 /? * A 14-. ) / 0 *4 /) ** ; -. A 0) 8") A 8) 0 8%) * +' -. 8 ( 1 () ) * ) ) ) 55 E +1-5
6 - & -& $ < & / +0 ' / +0 8 ' / +0 / +0 " / +0 % %'A(% /% A (0 / +0 / 0/+0. A &$ %' ) 2' 0) 1 ) *1 *56* + *-. ) : ) 544 %) *1 +8 /33 *- $6( ) 3 ) / 5 8") *4 *4* += -. E * *46* %3 62 ) ( %& 54 6
7 ' +' %( /'0?' '. 26? #3 / 0 * B 3 " ' /+0/+0' ' % ' 7) < ) 1 +/ ) ) &) ) 3: 3 6 ) &- 0= 4* ) 1 6 +/ ( A3 3 /? * A 14- See State Farm Fire & Cas. Co. v. Company Inc. 654 So.2d 944 (Fla. App. 3. Dist. 1995). 7
8 / +0 / +0 ' '5 ' 3 #"( #" #"? / 0 " ' #" ) % ( % /% 0 ' ( ( ) #" *% 6 #*% - (6+ +C(4DE + + % 4 / +0+ /+&0 3 5 /+0C" % / +0> ; > ' ) # ) ) 115 () 51 * Id. 32 Id. 8
9 & 5 3 /+0 /0 % /0 > /0/0 % % + / 0/ 0 * #" > A + & + % %'A( 3 / +0/0 % %'A(% ' % ) ' %& ) H) KI 3' K $ ) L ) 3 3' '-. ( ) 0 3 ' 7 8 * " 1- M$ 06 : ) 1* E' 5-. / A () 3 0 * D 1- ) 7 3 #'' % /) * ') 8' %) +8 *-. 2' 2 55 %) *** +8 /33 - A' 7 (=? ' ** 8%) ' 1-. / 0/26 >/ 4 8%) 1 5 +' /33-9
10 6 + +& ( % ( ( /%( %( ' % ' '. & & >. 5. " &$ &+$ " /5 50 / 0 37 Specialty Food Systems Inc. v. Reliance Ins Co of Ill. F. Supp. No. Civ A (E.D. La. January )(1999 WL 20934) Id.. 10
11 / 0 % ( " ) /80/8A0 %( '' / 0/0 '/ "&?%% A/0/ 5 # % ( * 0 40 See Burns v. International Ins. Co. 929 F.2d (9th Cir. 1991)(applying California law); Esmailzadeh v. Johnson & Speakman 869 F.2d 422 (8th Cir. 1989)(applying Minnesota law); See Also Lexington Ins. Co. v. St. Louis Univ. 88 F.3d (8th Cir. 1996)(applying Missouri law to hold the "notice-prejudice" rule did not apply to claims made policies). The policy language and cases that have construed similar language provide a basis for denying coverage. Although the result is particularly harsh the rationale is based on the idea that claims-made policies are fundamentally different than occurrence policies. Claims-made policies do not provide for the long "tail" of coverage that occurrence policies do. Because the carrier can more accurately predict the potential exposure and risk on a claims-made policy it can price it more cheaply. In turn the insured is afforded less coverage. 41 Specialty Food Systems Inc. v. Reliance Ins Co of Ill. F. Supp. No. Civ A (E.D. La. January )(1999 WL 20934). 42 Id. At #2. 11
12 & 5/DEDE 0%% /0 %% /0 A FG /0 5 /0? 5 "?+ 5(H 8 ; 3+%( C" 8 ' ' 5 <I'1GI ; % 43 Id. 44 Id. 12
13 %( >/0? & % # ' 3/05 ' " " # J + %(/0 % ; %( 3;3-5 ( " + 53 " + C & 45 See City Prod. Corp. v. Globe Indem. Co. 151 Cal.Rptr (Cal. 1979); Lira v. Shelter Ins. Co. 913 P.2d (Colo. 1996); United States Concrete Pipe Co. v. Bould 437 So.2d (Fla. 1983); Beaver v. Country Mut. Ins. Co. 420 N.W.2d (Ill. App. 1981); St. Paul Surplus Lines Ins. Co. v. International Playtex Inc. 777 P.2d 1259 (Kan. 1989) cert. denied 493 U.S (1990); Casperson v. Webber 213 N.W.2d (Minn. 1973); Lombardi v. Maryland Cas. Co. 894 F.Supp (D. Nev. 1995); Variety Farms Inc. v. New Jersey Mfrs. Ins. Co. 410 A.2d (N.J. 1980); Hartford Accident & Indem. Co. v. Village of Hempstead 397 N.E.2d (N.Y. 1979); Casey v. Calhoun 531 N.E.2d (Ohio App. 1987); Dayton Hudson Corp. v. American Mut. Liab. Ins. Co. 621 P.2d (Okla. 1980); Esmond v. Liscio 224 A.2d (Pa. 1966); 13
14 ; % & & 3 %( " %( "&? % %( " " " 1 3 Allen v. Simmons 533 A.2d (R.I. 1987); City of Fort Pierce v. United Fire & Cas. Co. 463 N.W.2d (S.D. 1990). 46 See Capital Motor Lines v. Loring 189 So. 897 (Ala. 1939); Aetna Cas. & Sur. Co. v. Marion Equip. 894 P.2d 664 (Alaska 1995); Price v. Hartford Acc. & Indem. Co. 502 P.2d 522 (Ariz. 1972); California Union Ins. Co. v. Arkansas La. Gas Co. 572 S.W.2d 393 (Ark. 1978); Jones v. State Farm Auto Ins. Co. 610 A.2d 1352 (Del. 1992); Greenwood Cemetery Inc. v. Travelers Indem. Co. 232 S.E.2d 910 (Ga. 1977); Abbie Uriguen Oldsmobile Buick Inc. v. U.S. Fire Ins. Co. 511 P.2d 783 (Idaho 1973); Norfolk & W. Ry. V. Hartford Acc. & Indem. Co. 420 F.Supp. 92 (D. Ind. 1976); A.Y. McDonlad Indus. V. Ins. Co. of America 475 N.W.2d 607 (Iowa 1991); Continental Ins. Co. v. Hancock 507 S.W.2d 146 (Ky 1973); First Nat l Bank of St. Mary s v. Fidelity Deposit Ins. Co. 389 A.2d 359 (Md. 1978); Anthony v. Frith 394 So.2d 867 (Miss. 1981); First Bank Billings v. Transamerica Ins. Co. 679 P.2d 1217 (Mont. 1984); Munson v. Raudonis 387 A.2d 1174 (N.H. 1987); Baker v. Armstrong 744 P.2d 170 (N.M. 1987); Continental Cas. Co. v. Kinsey 499 N.W.2d 574 (N.D. 1993); Harrell v. Travelers Indem. Co. 567 P.2d 1013 (Or. 1977); South Carolina Budget & Control Bd. V. Prince 403 S.E.2d 643 (S.C. 1991); Lazenby v. Universal Underwriters Ins. Co. 383 S.W.2d 1 (Tenn. 1964); Dairyland County Mut. Ins. Co. v. Walgreen 477 S.W.2d 341 (Tex. App. 1972); State V. Glens Falls Ins. Co. 404 A.2d 101 (Vt. 1979); Lipscombe v. Security Ins. Co. 189 S.E.2d 320 (Va. 1972); Brown v. Maxey 369 N.W.2d 677 (Wis. 1985); Sinclair Oil Corp. v. Columbia Cas. Co. 682 P.2d 975 (Wyo. 1984). 47 City Prod. v. Globe Indem. Co. 151 Cal.Rprt. 494 (Cal. 1979); Berry v. Loiseau 614 A.2d 414 (Conn. 1992); Sterling Ins. Co. v. Hughes 187 So.2d 898 (Fla. 1966); Scott v. Instant Parking Inc.Scott v. Instant Parking Inc. 245 N.E.2d 124 (Ill. 1969); Hartford Acc. & Indem. Co. v. American Red Ball Transit Co. Inc. 938 P.2d 1281; Lake Cable Partners v. Interstate Power Co. 563 N.W.2d 81 (Minn. App. 1997); Dayton Hudson Corp. v. American Mut. Liab. Ins. Co. 621 P.2d 1155 (Okla. 1980); Butterfield v. Guintoli670 A.2d 646 (Pa.Super. 1995). 14
15 3 %( "? &%A(. 3& & 6:" 2 (H %( " & & / %0" /%0 /%6 %0 %( 5 ; ( H % %( " " " 48 ISO Employment Related Practices Insurance. 49 See Melugin v. Zurich Canada 57 Cal.Rptr.2d (Cal. 1997); American Management Association v. Atlantic Mut. Ins. Co. 168 Misc.2d (N.Y. 1996). 15
16 B 1 />0 />0& # = ' %( > ' 8 ( % /0 " %( ' /0 " %( "? /0" " 16
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