Know the types of water shut-off devices

By | agent, Automated, automatic, benefit, cost, credit, damage, flow, freeze, independent, install, Insurance, irrigation, leak, management, manufacturer, off, plumbing, point-of-use, policy, premium, pressure, prevent, protect, risk, Risk Management, sensor, shut, shut-off, sprinkler, supply, temperature, valve, water, whole-house
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There are two basic categories of water shut-off systems: whole-house systems and point-of-use systems. While both can prevent water damage, generally only a whole-house system qualifies for a premium credit on your homeowner insurance.

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4 reasons small businesses decline EPLI coverage

By | agent, business, Business Insurance, claim, claims, cost, cover, coverage, defense, dental, distributor, employment, EPLI, funds, independent, industries, Insurance, large, legal, liability, manage, managing, manufacturer, medical, practices, process, protect, publisher, restaurant, retail, risk, small
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Many owners of smaller businesses make assumptions about Employment Practices Liability Insurance – and some of those assumptions are not true. EPLI coverage provides vital protection for a small business. EPLI provides a limit of insurance, separate from the standard commercial policy, to protect your business operations against many actual or alleged wrongful acts. Those could include personnel and staffing matters, hiring and firing or allegations of discrimination in the workplace. Because circumstances can vary widely, it’s important to assess your situation, consult with your attorney and speak to an[…..]

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