Laura Zaroski, Author at Insurance Thought Leadership



Laura Zaroski

Laura Zaroski

Laura Zaroski is the vice president of management and employment practices liability at Socius Insurance Services. As an attorney with expertise in employment practices liability insurance, in addition to her role as a producer, Zaroski acts as a resource with respect to Socius’ employment practices liability book of business. She is available to assist with limits analysis and coverage or claims issues for existing and prospective insureds.

Zaroski came to Socius after being a partner in the Chicago office of O’Hagan Spencer. She was the head of the insurance coverage and claims management department at O’Hagan.

Throughout her legal career, Zaroski has represented various domestic insurance companies as well as London-based insurers as coverage and claims management counsel. She had a diverse practice and extensive experience developing and handling insurance programs. Zaroski specialized in the areas of employment practices, management liability, attorney malpractice, real estate professionals, cyber/privacy and miscellaneous errors and omissions policies. In addition to her claims and coverage work, Zaroski also served as counsel in various insurance insolvencies, liquidation proceedings and commutations. 

As claims management and coverage counsel, Zaroski’s experience involved counseling clients in the drafting of policies, program creation, examining claim exposure, effective claims-handling techniques, litigation management and, most importantly, effective resolution and settlement negotiation techniques. Zaroski provided detailed claims review and liability analysis, counseled as to cost-effective defense strategies and negotiated favorable settlements for hundreds of cases nationwide. Zaroski has participated in countless mediations, settlement conferences and dispute resolution forums. 

Zaroski is a frequent speaker regarding claims handling and risk management and has co-written several articles in EEO Update on the subject of employment law, including Addressing Employment Discrimination Complaints and Employment Practices Liability Insurance and the PLUS Journal. She is a certified mediator and has served as a volunteer mediator for the Center for Conflict Resolution. She is a member of the Insurance Associates, (a division of the Association of Lloyds’ brokers), the Professional Liability Underwriting Society and the American Bar Association.

Zaroski received her J.D. from the University of Toledo School of Law and holds a B.A. from Ohio State University.

Recent Articles by Laura Zaroski

Will Your Website Get You Sued?

Plaintiffs’ attorneys have discovered a new, rich litigation vein to exploit, potentially yielding a treasure of targets to sue. Using Title III of the Americans with Disabilities Act (ADA) and applying it to a modern societal institution (the internet) that was not in existence or contemplated when that law was enacted, lawyers may have hit […]

Demystifying “The Dark Web”

We often hear reference to the “deep” or “dark” web. What exactly is the deep or dark web? Is it as illicit and scary as it is portrayed in the media? This article will provide a brief overview and explanation of different parts of the web and will discuss why you just might want to […]

Ransomware: Your Money or Your Data!

Your client, ABC Corp. is going about its business and then gets this message: The above is a typical ransomware message, according to a recent Symantec Security Response report. What’s next? Pay the “ransom” and move on? Ransomware is a type of malware or malicious software that is designed to block access to a computer […]

How to Start Managing Cyber Risk

Hardly a day goes by without a news flash about another cyber breach. Since security breaches have become a daily occurrence, I sat down with Jeremy Henley at ID Experts to discuss the most common ways that companies are being breached and how companies can start to assess their cyber risk profile. Question: Jeremy, what are […]

When Are Background Checks Not Allowed?

The Equal Employment Opportunity Commission (EEOC) has been quite active in challenging employers’ use of criminal background and credit history checks during hiring. There is still significant uncertainty as to the current standards and law about the checks of criminal and credit history. The lack solid guidance makes it difficult for employers to determine how […]

How Strict Can a Dress Code Be?

Does your company have a “look” or standard of dress it requires in the workplace? No hats, or maybe no beards? Can you deviate from the dress code? Increasingly, employees and applicants for employment are making “failure to accommodate” claims on the grounds that they were discriminated against based on their need for a change […]

3 Cardinal Rules for Managing EPL Risk

Last week, the U.S. Equal Employment Opportunity Commission (EEOC) released its data for FY 2014 for enforcement litigation related to employment practices liability (EPL). Continuing a recent trend, the EEOC reported that the percentage of charges that contained retaliation claims rose to a record 43% in 2014. This is significant for EPL because the elements that an employee must establish with […]

What to Expect on Management Liability

Gradually, over the last four-plus years, several management liability insurance (MLI) carriers have shifted their underwriting appetite and guidelines nationally, most dramatically in California. These changes have included some combination of: ·         Increased rates ·         Increased retentions ·         Reductions in coverage ·         Reductions in total limits offered ·         Reductions or removal of wage and hour defense cost sub-limits ·         Non-renewal of […]

How to Handle New ‘Ban-the-Box’ Laws

The term, “ban the box,” refers to the question on hiring applications that asks if the applicant has a criminal record/conviction; if so, he has to check the “Yes” box. “Ban-the-box” laws are laws designed to restrict employers from including questions that ask about prior arrests or convictions on initial employment applications. The purpose behind […]

Why Private Firms Should Buy D&O

It is a fact of doing business in the U.S.: Lawsuits happen! Regardless of whether the action has any merit, lawsuits are expensive to deal with, damaging to reputations and draining to a business and its management. Small to mid-sized private companies can specifically attest—litigation is never a small or inconsequential matter. Any business, regardless […]

Are Your Separation Agreements Unlawful?

Employers entering into separation agreements (also called “settlement” or “severance” agreements) has become commonplace. By way of these agreements, employers generally provide a monetary benefit to outgoing employees, or employees who have asserted claims. In exchange, the employees waive certain legal rights to which they otherwise may have been entitled. Some of the most common provisions […]

Restaurants Beware: Hackers Are Hungry!

Restaurants, pubs and diners all over the country serve hungry and thirsty people every day. From white tablecloth establishments to the local taco joint, almost all restaurants take credit/debit cards for the vast majority of their payments. One swipe, and customers go on their way. However, behind the scenes, restaurants nationwide are suffering at the […]

Medical Marijuana Law: Effect in Illinois

Last year, Illinois passed a “medical marijuana” law that became effective Jan. 1, 2014, known as the Compassionate Use of Medical Cannabis Pilot Program Act, 410 ILCS 130/1, et seq. The act allows doctors to recommend and certify the use of medical marijuana by patients who are under the doctors’ care for certain qualifying medical conditions. […]

Beware of Fee Shifting by Lawyers: The Hidden Danger of EPLI

Sometimes, it’s good to be a plaintiff’s attorney. Why? Fee shifting. You don’t need a big win in lawsuits where stat­utes allow the court to make the defendant pay the plaintiff’s legal fees. Even if the plaintiff only obtains a small award (as little as a dollar), a “win” entitles plaintiff’s counsel to submit fees […]

Representations and Warranties Insurance: How It Can Help Close Business Deals

A Representations and Warranties policy provides coverage for losses incurred as a result of breaches or inaccuracies of the representations and warranties made in business transactions.  A seller typically makes numerous representations to the buyer and warrants to the buyer critical facts about the business.  These attestations are an inducement to the buyer.  While parties […]

Resolving the Confusion About ‘Admitted’ and ‘Non-Admitted’ Carriers

Confusion sometimes arises about the difference between “admitted” and “non-admitted” insurance carriers and about the consequences of the difference. The designation of an insurance company by a state’s Insurance Commissioner as “admit­ted” may seem to give the company a stamp of authority, but this designation is primarily an administrative one rather than a mark of […]

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