Is it a coincidence that employment-related lawsuits and labor complaints are increasing exponentially as the revenue from workers' compensation claims has started to shrink?  Policies that cover these types of claims have, for the most part, not kept up with the rapid increase.  This area of planning is typically one of the biggest gaps in most plans. Coverage triggers and exclusions for certain types of acts can render a policy useless. Are there any hiring and employment strategies you can adopt to lower your rate and decrease your exposure?   Find out!