If your business has employees then you are exposed for a loss related to employee practices. This isn’t just sexual harassment, it also includes unfair hiring or firing practices and unsafe work environment as well as discrimination.
But what is really scary to me is a loss from a 3rd Party that enters your business and may have nothing to do with it like the mail delivery person. You can be sued for the things that this person does to your employees and there is no coverage for that under you general liability insurance.
Watch this video “Does my business need employment practices liability?” for more details:
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created by Ryan Hanley