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From monthly archives: February 2018

We are pleased to present below all posts archived in 'February 2018'. If you still can't find what you are looking for, try using the search box.

Why you need Employee Practices and Liability Insurance (EPLI)

Business owners of all sizes are vulnerable to claims /suits from their employees. Small Businesses are often the most vulnerable. Why? Because typically small businesses lack a legal department or an employee handbook detailing policies and procedures that guide hiring, disciplining, or termination. Employee Practices Liability Insurance (EPLI) provides coverage to employers against claims made by employees alleging discrimination, wrongful termination, harassment, and other issues such as failure to promote. You’re at risk from the moment you interview a prospective employee. If you chose not to hire them, the individual could allege some sort of discrimination (based on sex, race, age, or disability for example). Or maybe you did hire the individual, and now you need to fire them due to poor attendance. That discharge employee could claim wrongful termination.   If you do not currently have an EPLI policy in place, contact Westrock Insurance to discuss this further with us. It may be as ...

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Are your Personal Articles Covered?

Did you receive a new Jewelry item over the Holidays? Maybe you received a piece of fine art? Either way, do you know if your valuables are appropriately covered in the event of a loss? Your Homeowners/Renters insurance usually has basic coverages for personal property. But high valued items are subject to certain limits when not scheduled.   Many people are under the impression that if an item is valued less than $1,000 they do not have to schedule that item on their policy, or purchase additional coverage for that item. That is not always the case. Items that are not scheduled are subject to deductible and have a set limit that will be paid out regardless of value. When an item is scheduled it is covered without a deductible (unless otherwise requested). Your scheduled items are covered for more than just theft; they are covered for breakage/damage (if you lose a stone that’s covered), mysterious disappearance, and theft.   There are two ways to insure your valuables- The firs ...

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