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provides so many outstanding advantages. What is Epack? Integrated, Modular Package of Management Liability Insurance Products:. Employment Practices Liability Directors & Officers Liability Entity Liability ( Purchased along with D&O Liability ) Fiduciary Liability

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what is epack integrated modular package of management liability insurance products
What is Epack?Integrated, Modular Package of Management Liability Insurance Products:
  • Employment Practices Liability
  • Directors & Officers Liability
  • Entity Liability (Purchased along with D&O Liability)
  • Fiduciary Liability
  • Miscellaneous Professional Liability/Media Liability
  • Serves the needs of small to mid-sized Private Companies
what s special about epack
What’s Special about Epack?
  • Flexibility
      • Purchase one Coverage or any combination of coverages
      • Purchase shared limits or separate limits and/or retentions
  • Convenient coverage grid
  • Package format
  • The only modular policy with MPL
  • Broad definitions/State of the art policy language
  • Backed up by CNA Pro’s claims handling expertise
  • Admitted in 48 states (Non-Admitted States:

Wyoming & Louisiana)


What’s New about Epack?

Errors & Omissions/Professional Liability

Consists of over 50 Preferred Areas of Practice

  • Miscellaneous Professional Liability consists of consultants,

direct mail companies, collection agents, printers, franchisors.

  • Media Professional Liability consists of newspapers/magazine

publishers, advertising agents, television and radio stations.

  • Technology/Telecom ranges from integrators, software

developers, ISP’s, consultants and computer hardware


enhancements to epack
Enhancements to Epack
  • Endorsements
    • Covers up to $25,000 in civil penalties
  • Healthcare Coverage Extension
    • Broadens definition of insured persons to
    • include trustees, medical directors and volunteers
    • Broadens definition of loss to include Internal
    • Revenue Service fines and penalties, Excess
    • Benefit Penalties, EMTALA, and defense costs
    • for return of funds received as grant funds
enhancements to epack continued
Enhancements to Epack (continued)
  • Endorsements
  • Partnership Coverage Extension
    • Amends Epack to extend coverage to
    • partnerships
  • Independent Contractors Extension
    • Amends definition of Employee to include
    • independent contractors
  • Consent to Settle Endorsement
    • Adds allocation of defense and covered
    • settlement amounts to 50/50, 70/30, or 80/20
recent enhancements to epack continued
Recent Enhancements to Epack (continued)
  • Endorsements
  • Risk Mitigation Incentive
    • Provides a 50% reduction in Insureds policy
    • retention, up to $25,000 for Insureds that:
    • a) demonstrate that they have established written policies or procedures on sexual harassment, discrimination and employee grievances or complaints; and
    • b) Provide proof that all directors, officers and managers have completed outside training on sexual harassment within the last 18 months prior to filing a claim.
advantages of using epack on line through cna central
Advantages of using Epack on-line through CNA Central
  • Get Quick Indication or Quick Quote
  • Quote, Bind & Issue policies
  • 48hr turn around on all referred submission
  • Policy & billing information look-up

capabilities for issued policies

  • Higher Commission
risk management services hr hotline
Risk Management Services – HR Hotline
  • Businesses that purchase Employment Practices Liability Insurance through CNA, receive the benefit of professional risk management consultation, through a Human Resource Hotline, at no additional charge.
  • Areas that generate the most concern are:
    • Medical leave issues
    • Reductions in workforce
    • Allegations of unfair-treatment or harassment relating to gender


    • Employee discipline
risk management services agosnet tm
Risk Management Services – AGOSNETTM
  • AGOSNETTM, an interactive web based tool, allows CNA Insureds to develop state of the art employment practices and procedures. A menu of training and best practice tools designed to empower organizations in their efforts to properly manage their workplace and minimize incidents and litigation.
  • This service is of particular value to Insureds in states such as California, Maine & Connecticut, where state laws require employers to provide a minimum amount of sexual harassment training for their supervisors and managers.
  • Additional details can be accessed through the Risk Management Services – Employment Practices Liability section of