Which of the following actions can result in an exclusion under an employment practices liability insurance policy?

An employment practices liability insurance (EPLI) policy is designed to protect employers from claims made by employees regarding employment-related issues, such as wrongful termination, discrimination, and harassment. The correct choice highlights a situation where exclusions are applicable. When a claim is made by an employee under the policy, and this claim corresponds with previous claims by that same employee, it can lead to an exclusion based on the policy's terms.

This exclusion scenario involves the idea that if there have already been prior claims by the employee (which may indicate a pattern of behavior, an unresolved issue, or possible fraudulent claims), the insurer may choose to not cover subsequent claims, effectively excluding them from coverage. Therefore, this emphasizes the importance of understanding policy limitations regarding claims history tied to specific individuals.

The other options may involve actions or situations related to employment practices but do not explicitly indicate exclusion under EPLI. Actions like negligent supervision or violations of company policies could lead to claims, but they generally do not constitute exclusions unless they fall under specific excluded actions defined in the policy. Contractual agreements outside of employment law may be covered by different types of insurance altogether but would not trigger an exclusion based on EMT policy stipulations. Thus, the answer regarding previous claims corresponds directly to exclusions within EPLI