Employee lawsuits can happen in any business, regardless of size or industry. In fact, a recent survey indicates that employers with fewer than 1,000 employees are showing significant increases in the frequency of employment-related claims. Part of this is driven by the Equal Employment Opportunity Commission (EEOC), which is filing more charges against employers, and also because of economic conditions. Here in New Jersey, we have the Law Against Discrimination (LAD), under which most employment claims are filed.

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If you’re a business owner, there is a good chance that you will eventually be sued by an employee. It can happen at any time—even when you’re interviewing new candidates or escorting a former one out the door.

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Your best protection lies with employment practices liability coverage. It provides you with a blanket of coverages against claims by employees (present, former or potential). This policy can cover you against wrongful termination, breach of contract, disciplinary issues, sexual harassment, failure to promote, and much more.