Permitting companies to come up with their own plan means that they can be hit later if the plan is insufficient. A company that implements a government solutio

Permitting companies to come up with their own plan means that they can be hit later if the plan is insufficient. A company that implements a government solution exactly has no liability - they’ve complied with the law. A company whose policy is deficient (because it didn’t meet the law’s mandate) or who didn’t follow their own policy may have liability.