{"id":1149,"date":"2020-12-30T00:21:52","date_gmt":"2020-12-30T00:21:52","guid":{"rendered":"https:\/\/wwfins.com\/?p=1149"},"modified":"2020-12-30T00:24:14","modified_gmt":"2020-12-30T00:24:14","slug":"employment-practices-liability-insurance-third-party-coverage-and-the-case-of-the-stolen-iphone","status":"publish","type":"post","link":"https:\/\/wwfins.com\/?p=1149","title":{"rendered":"Employment Practices Liability Insurance: Third Party Coverage and the Case of the \u201cStolen\u201d iPhone"},"content":{"rendered":"

An incident that occurred at a New York City hotel over the weekend caught my attention for many reasons, including the potential insurance ramifications and coverage gaps that could arise.<\/p>\n

A white woman accused a young Black teen of stealing her iPhone. They were both guests at the boutique hotel in Manhattan. The teenager was with his father, a prominent musician, who recorded the incident with his smartphone and shared it on social media. In the video, the woman can be seen accusing the teen of stealing her phone and getting fairly aggressive.<\/p>\n

Here is a link to the story from CBS: https:\/\/www.cbsnews.com\/news\/woman-falsely-accuses-boy-stealing-iphone-nyc-keyond-harrold-son\/<\/a><\/p>\n

Spoiler alert: the woman\u2019s phone was dropped off by an Uber driver a few minutes after the incident.<\/p>\n

At one point in the video, someone identifying themselves as the hotel manager asks to see the teen\u2019s phone, but the father responds that he doesn\u2019t have to show his phone to anyone. Hotel staff then called the police on the woman because of her aggressive behavior.<\/p>\n

The teenager\u2019s family has secured representation from a prominent civil rights attorney and is putting pressure on the city to bring charges against the woman in the video. At this time, it doesn\u2019t seem that they are accusing hotel employees of discrimination or wrong-doing, but that could change.<\/p>\n

It\u2019s easy to see how things could have gone differently. There could have been less experienced staff on hand, or the teenager might have been alone at the time.<\/p>\n

What happens when an employee acts in a way that brings allegations of discrimination from the public or customers? Employment Practices Liability Insurance (EPLI) with a third party coverage endorsement is a type of insurance created to cover this exposure.<\/p>\n

What is EPLI and Third Party Coverage?<\/strong><\/p>\n

EPLI is a type of management liability insurance coverage that would respond to claims or lawsuits alleging things like:<\/p>\n