Liability insurance is an essential aspect of risk management for employers. It provides coverage for any claims of wrongful termination, discrimination, or sexual harassment made against the insured's employees or former employees. This type of insurance protects the employer from potential financial losses and legal expenses, while also ensuring the well-being and rights of their workforce. As a responsible employer, it is crucial to understand the significance of liability insurance and its role in safeguarding both the organization and its employees.