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In recent years, individuals and advocacy groups claiming discrimination have targeted restaurants, hotels, motels and retail operations. In Pennsylvania, a disabled customer complained of emotional distress when she dined at a restaurant that lacked adequate parking for her wheelchair van and where the restrooms were not fully wheelchair-accessible. The same person sued 30 other Pennsylvania food service businesses, some of which had already been renovated for handicapped accessibility. The hospitality industry—restaurants, hotels and motels, universities, colleges, banks, retail operations, real estate firms and apartment complexes typically have significant third party exposures and may have difficulty obtaining third party discrimination and harassment coverage or in securing adequate limits. Third party D&H insurance is available, although it is not always easy to get on EPL policies, depending on the type of risk and its exposures. The solution may be stand-alone third party discrimination & harassment coverage.

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