Don’t waste the insurance you’ve already bought.                   Through the years, certain client problems seem to come across my desk now and again, and then not again for a long time.  Recently, there seems to have been a spate of situations in which clients have lost coverage, or almost lost coverage, under insurance policies by not giving correct notice to their insurer (or its agent authorized to received notice).  The reason, I think, for this, is that more and more “claims made” policies are now involved, and some companies are not as familiar with such policies as they are with the perhaps more common “occurrence” policies.  In particular, most (if not all) policies of insurance that insure employers against claims of employment discrimination are “claims made,” and since this form of insurance is becoming more and more popular and widespread, so, unfortunately, are situations when employers lose track of the required notice provisions under the policy.  Thus, it is important to understand and keep track of the differences between these two types of policies, and to keep track…