Many employers have seen an increase in the number of lawsuits that allege discrimination, retaliation, wrongful termination, and sexual harassment. Laws such as Title VII of the Civil Rights Act of 1964, the Americans with Disabilities Act, and the Age Discrimination in Employment Act cover applicants and employees who fall into protected groups. The potential for a lawsuit is always lurking, even for employers that are careful to comply with all legal requirements. As a result, many employers carry an Employment Practices Liability Insurance policy that typically covers the cost of defending these lawsuits.