Wrongful termination. Discrimination. Employees are litigious, and small business is more vulnerable than ever. Now, "employment practices liability insurance" is affordable even for the smallest business. Last fall, Hanover Insurance Co. and ITT Hartford Group Inc. started offering up to $100,000 of coverage for as little as $750 per year, with deductibles in the $3,000 range. Check with your local agent.

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