Some companies choose to outsource their HR departments to a third party, at a lower cost than building a department in house. However, while the third party can establish policies, support recruitment, help with employee relations and so on, it cannot absolve the company from liability for employment-related issues. In fact, as the third party is not fully immersed in the company’s culture, they are unlikely to recognize issues as they develop. And when the problem is eventually found, it may be too late to resolve. Here, ML insurance is key in giving support in what could amount to very significant defense and potential settlement costs.