A lot of things can happen in the workplace. As a business owner, you may be held responsible for alleged Employment Liability litigation, potentially costing thousands of dollars.
Even with compliant workplace policies and procedures, an employee may sue for Employment Liability litigation including harassment, discrimination, failure to promote/hire, or even wrongful termination.
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Disclaimer:
The definitions are only a general description of the coverage.
You must read your policy for actual definitions, limitations, and coverage limits as each has their own language and coverage limits.