Chubb's Roy Tyson doesn't pull any punches when it comes to describing the industry's experience with Employment Practices Liability insurance (EPLI) claims.

"It's been tough for the past several years," says Tyson, vice president and deputy EPLI/fiduciary product manager. "Certain carriers felt the pain earlier than others, but nobody is immune. We're seeing claims come in all sizes and are contending with evolving laws regarding the protective status of employees."

In a tough economy, employment-related claims surge. The number of discrimination complaints made to the Equal Employment Opportunity Commission (EEOC) reached an all-time high of nearly 100,000 in 2011 as laid-off employees had more time on their hands to file grievances and to follow through on claims.

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