Insurance and risk management 1-7 Answer as many as possible 1.) If a worker was injured while operating a piece of equipment to perform a task assigned by the employer, but the injury was due in part to the worker's decisions to disregard known safety procedures, which common law defense might be available to the employer? a. Assumption of the risk b. Contributory negligence c. Fellow employee negligence d. Statute of limitations 2. All of the following are protected classes under federal law EXCEPT: a. Gender b. Sexual orientation c. Age d. Genetic information 3. Which of the following is a valid reason to purchase a separate EPL (Employment Practices Liability) policy? a. A separate policy will offer coverage limits that are dedicated solely to EPL claims. b. D&O policies can protect all employees from EPL claims. c. CGL policies protect against most of the injuries typically alleged in an EPL claim. d. EPL policies are generally quite standardized. 4. An entry-level employee alleges that she was wrongfully denied advancement opportunities because of her sexual orientation. With regard to this claim, the employer's EPL policy: a. will likely cover the claim subject to policy limits. b. will not cover the claim because sexual orientation is not protected class under federal law. c. will not cover the claim because the employee was not terminated. d. will only cover the claim if the employer had a policy prohibiting discrimination on the basis of sexual orientation. 5. With regard to the claim in the question above, the employee's supervisora shift leader who is paid on an hourly basisis also sued personally. Personal coverage for the supervisor: a. is not available because he is not considered to be "management." b. is automatically part of an EPL policy. c. may be denied if that supervisor has been the subject of previous allegations of discriminatory practices. d. may be available depending on the specification of the policy. e. The employer will not face liability so long as the former employee was employed "at will." 6. With regard to professional liability, commercial general insurance policies: a. cover professional liability claims, but generally do so with lower policy limits than a dedicated professional liability policy. b. only cover professional liability claims that are presented in conjunction with another type of claim that is ordinarily covered by a CGL policy. c. only cover certain types of professional liability claims. d. typically exclude professional liability claims from coverage. 7. Professional liability policies: a. offer coverage that is often available as an endorsement to a CGL policy. b. are often offered through nonstandard carriers. c. offer similar types of coverage across different professions. d. often have lower premiums than CGL policies