When a new client contacts me to let me know it has been served with a business or employment litigation lawsuit, one of the first questions I ask is, “Do you have insurance?” Invariably, the answer I get is, “Is there insurance for this kind of case? In a word — Yes. In fact, coverage for employment practices and business tort claims can generally be added as a rider to general liability insurance that almost all businesses routinely carry. However, the majority of small businesses do not have this additional coverage. Why? It can be expensive. As expensive as defending a lawsuit? Not even close. When reviewing your insurance coverages, which businesses should do on an annual basis, take the time to contact your insurance agent and inquire about the feasibility of covering against these risks. When evaluating available coverage, the company should pay specific attention to its right to higher the counsel of its choice, the deductible, and any applicable coverage exclusions. If you have any questions about the cost versus benefit of this coverage, contact a lawyer will experience in business and employment litigation matters.