In today's work environment no business is immune from the threat of workplace litigation and employment related claims. These claims are filed just as much against the small business owner as they are against the larger employers. Small to mid-size business owners are becoming increasingly vulnerable and the costs, which can be absorbed by the large companies, could financially devastate the smaller firms.
Purchasing EPLI coverage should no longer be discretionary when you think of the cost of settlement and legal fees associated with the defense of an employment related claim. Even if you win the case, you still pay legal fees!