Business Risk Partner’s niche products encompass newer coverages designed to address emerging exposures, including sexual molestation and misconduct as well as wage and hour liability. Certainly the occurrence of sexual molestation isn’t new, but the topic has recently come out of the shadows increasing liability risk. Sexual molestation and misconduct coverage has generally been purchased through a small sublimit under employment practices or general liability policies. But when exposure is significant and a small sublimit is not enough, standalone policies offer a better option. BRP also offers new standalone options for wage and hours claims, the fastest growing segment of employment practices litigation.