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
On-Demand: July 10, 2025

1.5 hour CLE

Tuition: $195.00
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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

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

Credits

Alaska

Approved for CLE Credits
1.5 General

Our programs are CLE-eligible through Alaska’s recognition of multi-jurisdictional reciprocity.
Alabama

Pending CLE Approval
1.5 General

Arkansas

Approved for CLE Credits
1.5 General

Arizona

Approved for CLE Credits
1.5 General

California

Approved for CLE Credits
1.5 General

Colorado

Pending CLE Approval
1.5 General

Connecticut

Approved for CLE Credits
1.5 General

District of Columbia

No MCLE Required
1.5 CLE Hour(s)

Delaware

Pending CLE Approval
1.5 General

Florida

Approved via Attorney Submission
2 General Hours

Receive CLE credit in Florida via Attorney Submission.
Georgia

Approved for CLE Credits
1.5 General

Hawaii

Approved for CLE Credits
1.5 General

Iowa

Pending CLE Approval
1.5 General

Idaho

Pending CLE Approval
1.5 General

Illinois

Approved for Self-Study Credits
1.5 General

Indiana

Approved For On-Demand Credits
1.5 General

Kansas

Pending CLE Approval
1.5 Substantive

Kentucky

Pending CLE Approval
1.5 General

Louisiana

Pending CLE Approval
1.5 General

Massachusetts

No MCLE Required
1.5 CLE Hour(s)

Maryland

No MCLE Required
1.5 CLE Hour(s)

Maine

Pending CLE Approval
1.5 General

Michigan

No MCLE Required
1.5 CLE Hour(s)

Minnesota

Approved for Self-Study Credits
1.5 General

Missouri

Approved for Self-Study Credits
1.8 General

Mississippi

Pending CLE Approval
1.5 General

Montana

Pending CLE Approval
1.5 General

North Carolina

Pending CLE Approval
1.5 General

North Dakota

Approved for CLE Credits
1.5 General

Our programs are CLE-eligible through North Dakota’s recognition of multi-jurisdictional reciprocity. Section 1, Policy 1.14
Nebraska

Pending CLE Approval
1.5 General

myLawCLE reports attendance to Nebraska on each attorney’s behalf for all programs. Please do not self-report.
New Hampshire

Approved for CLE Credits
90 General minutes

As of July 1, 2014, the NHMCLE Board no longer provides pre- or post-approval of courses. Attendees must self-determine whether a program is eligible for credit, and self-report their attendance online at www.nhbar.org, based on qualification provisions of Rule 53.
New Jersey

Approved for CLE Credits
1.8 General

Our programs are CLE-eligible through New Jersey’s recognition of multi-jurisdictional reciprocity, except for the courses required under BCLE Reg. 201:2
New Mexico

Approved for Self-Study Credits
1.5 General

Nevada

Approved for Self-Study Credits
1.5 General

New York

Approved for CLE Credits
1.8 General

Our programs are CLE-eligible through New York’s Approved Jurisdiction Group “B”.
Ohio

Pending CLE Approval
1.5 General

Oklahoma

Pending CLE Approval
2 General

Oregon

Pending CLE Approval
1.5 General

Pennsylvania

Approved for Self-Study Credits
1.5 General

Rhode Island

Pending CLE Approval
2 General

South Carolina

Pending CLE Approval
1.5 General

South Dakota

No MCLE Required
1.5 CLE Hour(s)

Tennessee

Approved for Self-Study Credits
1.5 General

Texas

Approved for CLE Credits
1.5 General

Utah

Pending CLE Approval
1.5 General

Virginia

Not Eligible
1.5 General Hours

Vermont

Approved for CLE Credits
1.5 General

Washington

Approved via Attorney Submission
1.5 Law & Legal Hours

Receive CLE credit in Washington via Attorney Submission. myLawCLE will supply Washington state attorneys with instructions on how to gain credit.
Wisconsin

Approved for Self-Study Credits
1.5 General

West Virginia

Pending CLE Approval
1.8 General

Wyoming

Pending CLE Approval
1.5 General

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