The Americans with Disabilities Act (ADA) of 1990 is a federal law enacted in 1990 primarily intended to prevent discrimination in the employment of persons with “disabilities” as defined in the Act. Under the ADA, employers must provide job seekers with equal opportunity (i.e., evaluate the job seeker solely on his/her ability to perform the essential functions of the job, regardless of disability) and make reasonable accommodations to enable workers with disabilities to perform the job. However, employers are exempt from the reasonable accommodation requirement if it creates “unreasonable hardship” such as excessive costs or significant work interruption. Alleged ADA violations are one of the major hazards covered by Employment Practices Liability Insurance (EPLI) policies. Title III of the ADA deals with making public and commercial buildings physically accessible to people with disabilities. It imposes redevelopment and refurbishment requirements on some organizations that vary depending on the primary use of each building. Some of the requirements apply regardless of whether the building in question must be remodeled or rebuilt for reasons other than ADA compliance. Accordingly, the regulation or exceptions to the law in 1995 and later issued by the Insurance Services Office, Inc. (ISO), commercial property forms contain language to make it clear that the costs of complying with the ADA are not covered.