If you are a growing company or an established company, at some point in your business cycle you will likely have to deal with employee relations. As part of your risk management strategy, you should consider including an employee manual outlining responsibilities and duties of the management and of the employee. When managing your employee risk, we often don’t consider things like wrongful dismissal and discrimination because we think the person is part of the team and understands the company and the people. Your commercial general liability insurance policy doesn’t cover claims of this nature – rather you need Employment Practices Liability. Take a look at a few scenarios when this type of policy comes into play…
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