aims to end discrimination against disabled persons in regard to: access to goods, services and facilities; buying or renting property; employment. It is unlawful to treat the disabled less favourably than others and it is now necessary to make reasonable adjustments in the way services are provided. From 2004, service providers will have to consider adjusting the physical features of their premises where they disadvantage the disabled using the service. The law applies to employers with 15 or more employees and to service providers. Discrimination is a source of claims under employment practices liability insurance. See DISABILITY 1.