Virtually every business I come into contact with has liability insurance. Liability insurance protects the company against claims for injuries to third parties, such as customers who are injured in an accident on the premises. But there is also insurance coverage for employment practices claims, such as age or disability discrimination claims. Unfortunately, most of my clients are unaware of this type of coverage until after a claim has already been filed against the company. A business can usually obtain employment practices coverage as a “rider” to its general liability policy. It costs extra, so a company should do a thorough cost-benefit analysis before buying it. But it is certainly something to consider as you review your various coverages with your insurance agent and legal counsel.
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