Employment practices liability insurance (EPLI) was created in response to significant changes in the law in the early 1990s. The Civil Rights Act of 1991, the Americans with Disabilities Act (ADA), and the Family Medical Leave Act (FMLA) provided employees with significantly more rights than they had before. Many employers have seen an increase in the number of lawsuits based on harassment, discrimination, retaliation, and wrongful termination. The potential for a lawsuit is always lurking even for employers who are careful to comply with all legal requirements. While the likelihood that any given employer will be sued is not great, the cost of even one inadvertent miscue can bankrupt a company. Lawsuits can be very costly to employers--not only in a monetary sense--but also in terms of reputation and disruption of everyday operations. According to recent surveys, up to 50 percent of all employers now carry some form of EPLI.