result of the employee's bodily injury on the job which was allegedly caused by the employer's negligence. Management and employment practices liability Workers' compensation also does not cover intangible torts that merely cause emotional distress, or torts arising from management negligence and liability to shareholders. General management liability coverage may include directors and officers (D&O) liability insurance, employment practices liability (EPL) insurance, fiduciary liability insurance, and "special crime" insurance (kidnap, ransom, and extortion), either individually or as part of a cohesive package. Employment practices liability arose in the 1980s, after U.S. employees began to obtain jury verdicts against their employers due to workplace actions such as wrongful dismissal. Insurance Services Office (ISO), a vendor of standard form contract insurance policies, revised the Commercial General Liability insurance policy form to exclude coverage for torts related to the employer-employee relationship like racial or gender discrimination in the workplace, as well as liability for negligent supervision of midlevel managers who committed such torts. Thereafter, specific policy forms were created to cover this specific risk. General liability General Liability Insurance is the kind of coverage that provides an individual with protection against variety of claims which may include bodily injuries, physical damage to car, property damage etc arising from business operations. General Liability Insurance (GP) covers a number of businesses and the norms of insurance may vary from company to company as well as area to area. Many of the public and product liability risks are often covered together under a general liability policy. These risks may include bodily injury or property damage caused by direct or indirect actions of the insured. In the United States, general liability insurance coverage most often appears in the Commercial General Liability policies obtained by businesses, and in homeowners' insurance policies obtained by individual homeowners. Insurable risks Generally, liability insurance covers only the risk of being sued for negligence or strict liability torts, but not any tort or crime with a higher level of mens rea. This is usually mandated by the policy language itself or case law or statutes in the jurisdiction where the insured resides or does business. In other words, liability insurance does not protect against liability resulting from crimes or intentional torts committed by the insured. This is intended to prevent criminals, particularly organised crime, from obtaining liability insurance to cover the costs of defending themselves in criminal actions brought by the state or