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To the editor: Bruce Atkins' Oct. 13 article, "Complete Anti-Discrimination Policies Key," on actions to protect a company from gender discrimination claims concisely outlined all the proper steps except one: Purchase employment practices liability coverage.

This solution not only transfers the risk to an independent third party but, by selecting the right underwriter, forms a partnership to deal with the difficult EPL issues all employers face from time to time.

The press coverage of EPL-related awards gives us almost daily examples of not only what not to do, but also of companies with good procedures and good intentions that still lost the lawsuits.

All businesses have some degree of EPL exposure. After taking the actions outlined by Mr. Atkins, we suggest a final step: Contact your agent and purchase employment practices liability insurance.

Paul W. Springman

Chief Operating Officer

Shand Morahan & Co. Inc.

Evanston, Ill.