All liability policies exclude these perils as they illegal acts. In the past few years, insurance companies have developed policies that address these risks, and many include additional perils such as wage and labor issues, and third-party (patient) sexual harassment. Because there are several insurance companies offering these products, and there are no standard policy forms, it is critical to review the coverage with a competent insurance professional.
In addition, there are several risk management techniques that a business owner can employ to limit the exposure to these perils. Such items as properly worded employment applications, employee handbooks, anti-discrimination and anti-sexual harassment statements, and "At Will" employment statements all help to reduce the exposure to loss.
How to apply: