As employers and their insurers grapple with increased numbers of employment practices liability claims in a recessionary economy, they are also facing emerging exposures associated with a changed political landscape.

Experts, who also point to continued threats of retaliation claims and wage-and-hour class actions among the most serious issues facing employment practices liability insurers, are increasingly turning their attention to messages from President Barack Obama's administration and Democrats in Congress as they assess emerging EPL risks.

Still, many say that the biggest legislative change for EPL insurers to worry about in 2009 so far is a pre-Obama-era action that came when former President George W. Bush signed an expanded Americans with Disabilities Act into law last September.

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