Insurance Coverage Issues Under the Trafficking Victims Protection Reauthorization Act

K. James Sullivan
Matthew A. Chiricosta
Tae Andrews
K. James Sullivan | Calfee, Halter & Griswold
Matthew A. Chiricosta | Calfee, Halter & Griswold
Tae Andrews | Calfee, Halter & Griswold
Live Video-Broadcast: July 10, 2025

1.5 hour CLE

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Program Summary

This CLE program offers attorneys an in-depth examination of insurance coverage issues arising under the Trafficking Victims Protection Reauthorization Act (TVPRA), a statute that has become a powerful tool for civil litigation, particularly targeting entities in the hospitality sector. The course begins with a deep dive into the TVPRA and its civil cause of action, followed by an analysis of recent case law trends shaping this evolving area. Attendees will gain insights into the types of insurance policies that may respond to TVPRArelated claims—including Commercial General Liability (CGL), Errors & Omissions (E&O), and Employment Practices Liability (EPL) policies—and the common coverage defenses insurers raise, such as exclusions for expected or intended injury, abuse and molestation, and assault and battery. The presentation concludes with a summary of key judicial decisions delineating the scope of coverage for TVPRA claims, equipping practitioners with a nuanced understanding of the intersection between human trafficking litigation and insurance law.

Key topics to be discussed:

  • Provide a summary of the Trafficking Victims Protection Reauthorization Act (the “TVPRA”), including an examination of the statute’s civil cause of action, which has led to a surge of litigation against hospitality-industry businesses
  • Review of recent trends in TVPRA case law
  • Analyze types of insurance that can cover TVPRA civil claims, including Commercial General Liability (“CGL”), Errors & Omissions (“E&O”), and Employment Practices Liability (“EPL”) insurance policies
  • Examine insurers’ coverage defenses, including several key policy exclusions, such as expected or intended injury, abuse and molestation, and assault and battery exclusions
  • Summarize key case law articulating the contours of insurance coverage for TVPRA claims and suits

This course is co-sponsored with myLawCLE.

Date / Time: July 10, 2025

  • 2:00 pm – 3:40 pm Eastern
  • 1:00 pm – 2:40 pm Central
  • 12:00 pm – 1:40 pm Mountain
  • 11:00 am – 12:40 pm Pacific

Closed-captioning available

Speakers

K. James Sullivan | Calfee, Halter & Griswold LLP

As leader of Calfee’s Insurance Recovery practice, James Sullivan counsels corporate insurance policyholders on insurance coverage issues and litigates insurance coverage disputes. James’s primary focus is providing insurance coverage services to closely held and publicly traded corporate policyholders on a variety of matters.

 

Matthew A. Chiricosta | Calfee, Halter & Griswold LLP

As a member of Calfee’s Insurance Recovery practice, Matt Chiricosta provides insurance coverage advisory and litigation services to insurance policyholders for a variety of insurance products, including commercial general liability (CGL), directors & officers liability (D&O), errors & omissions liability (E&O) and property insurance, to name a few. While Matt has deep experience litigating complex insurance disputes on behalf of policyholders when such disputes become unavoidable, he brings a proactive and costeffective problem-solving approach to resolving complex insurance coverage matters and recovering insurance policy proceeds for policyholders.

 

Tae Andrews | Calfee, Halter & Griswold LLP

As an experienced member of Calfee’s Insurance Coverage practice team, Tae Andrews advises corporate insurance policyholders in multiple industries and litigates complex insurance disputes in both state and federal courts. Tae’s practice focuses on advising corporate policyholders on insurance coverage issues arising under commercial general liability, directors and officers, professional liability/errors and omissions, excess, umbrella, and other types of policies. He has a track record of delivering successful results for clients with D&O, E&O, Property and General Liability Insurance claims.

Agenda

I. Provide a summary of the Trafficking Victims Protection Reauthorization Act (the “TVPRA”), including an examination of the statute’s civil cause of action, which has led to a surge of litigation against hospitality-industry businesses | 2:00pm – 2:20pm

II. Review of recent trends in TVPRA case law | 2:20pm – 2:40pm

III. Analyze types of insurance that can cover TVPRA civil claims, including Commercial General Liability (“CGL”), Errors & Omissions (“E&O”), and Employment Practices Liability (“EPL”) insurance policies | 2:40pm – 3:00pm

Break | 3:00pm – 3:10pm

IV. Examine insurers’ coverage defenses, including several key policy exclusions, such as expected or intended injury, abuse and molestation, and assault and battery exclusions | 3:10pm – 3:25pm

V. Summarize key case law articulating the contours of insurance coverage for TVPRA claims and suits | 3:25pm – 3:40pm

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