Employment practices liability
The average premium for employment practices liability insurance is $222 per month. However, your coverage limits and number of employees affect the exact cost of this policy, among other factors.
A duty to defend clause in your liability policy means your insurance company must work out the details of your legal defense.
Want your insurer in your corner? A duty to defend policy makes it an insurer's obligation to provide legal defense for a lawsuit, instead of just compensating you for the claim.
When you have vicarious liability for something, it means you could be held legally responsible for any resulting harm even though you didn't directly cause it. For example, a tech company could be held accountable for the actions of an employee.