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By Bill Russell, CEO, BRIA Insurance & Risk Consultants, and Kevin Semtner, partner, Walthall-Sachse & Pipes Inc.

As society continues to flood a volatile economy with more lawyers and tort lawsuits, we have seen a spike in businesses buying coverage for employment practices liability (EPL), directors & officers (D&O) and errors & omissions (E&O) from our agencies. As members of Combined Agents of America (CAA), we hear the same stories from the other 42 independent agencies that make up our group across Texas, Kansas and Oklahoma. The buzz among our members is that sales of EPL, D&O, and E&O insurance are expanding at a brisk pace, and for compelling reasons.

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