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
4-reasons-epli

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[…..]

The post 4 reasons small businesses decline EPLI coverage appeared first on The Cincinnati Insurance Companies blog.

Read More

When things change, review your life insurance beneficiary

By | adoption, agent, annulment, baby, beneficiaries, beneficiary, benefit, birth, business, claim, death, dissolution, divorce, estate, financial, independent, Insurance, life, Life Insurance, marriage, plan, policy, protect, security, succession, trust, trustee, will
life-insurance-change-beneficiary

You name a beneficiary when you purchase a life insurance policy. This designation lets the insurance company know who should receive the proceeds of the policy. Keeping your beneficiary designation current is key to ensuring your life insurance benefits are paid as you desire. By not updating your beneficiary designation, your benefits may go to your estate instead of to those who need it the most.

The post When things change, review your life insurance beneficiary appeared first on The Cincinnati Insurance Companies blog.

Read More

When things change, review your life insurance beneficiary

By | adoption, agent, annulment, baby, beneficiaries, beneficiary, benefit, birth, business, claim, death, dissolution, divorce, estate, financial, independent, Insurance, life, Life Insurance, marriage, plan, policy, protect, security, succession, trust, trustee, will
life-insurance-change-beneficiary

You name a beneficiary when you purchase a life insurance policy. This designation lets the insurance company know who should receive the proceeds of the policy. Keeping your beneficiary designation current is key to ensuring your life insurance benefits are paid as you desire. By not updating your beneficiary designation, your benefits may go to your estate instead of to those who need it the most.

The post When things change, review your life insurance beneficiary appeared first on The Cincinnati Insurance Companies blog.

Read More

Lightning, power surge? EBC can protect your property

By | agent, air conditioning, breakdown, building, business, Business Insurance, computer, cover, coverage, device, devices, electrical, electricity, equipment, independent, Insurance, lightning, manufacturing, power, property, protect, refrigeration, surge
lightning-over-city

Most companies large and small depend on electrically powered equipment for some part of their business: air conditioning and refrigeration, computer systems and manufacturing equipment, for example. Lightning and the resulting power surge are a common threat. But you can protect your business by purchasing equipment breakdown coverage.

The post Lightning, power surge? EBC can protect your property appeared first on The Cincinnati Insurance Companies blog.

Read More

Hail guard: Protecting your business equipment

By | agent, air, business, coil, condenser, conditioning, control, cooling, customers, damage, equipment, guard, hail, hailstorm, heating, HVAC, independent, Insurance, loss, Loss Control, money, pellet, prevent, protect, roof, rooftop, time, unit, valuable, vent, ventilation
hail-guards-can-protect-equipment

Most areas of the country experience hailstorms that can cause significant damage to rooftop equipment, severely disrupting your business and costing you time, money or even customers. You can take a few steps to help keep your business running smoothly and avoid down time by protecting the equipment that keeps your customers and employees comfortable.

The post Hail guard: Protecting your business equipment appeared first on The Cincinnati Insurance Companies blog.

Read More

In a car accident? Here’s what to do

By | accident, address, agent, app, auto, automobile, business, call, camera, car, claim, claims, company, Consumer Tips, crash, exchange, independent, information, injuries, injury, Insurance, lights, mechanical, personal, phone, photo, safe, safely, safety, truck, vehicle, weather, wreck
car-accident

Nobody likes to think about getting into an automobile accident, but it can happen to any driver at any time. Taking time in advance to think through the steps to follow after an accident can help keep you and your passengers safe and simplify the process of filing an insurance claim.

The post In a car accident? Here’s what to do appeared first on The Cincinnati Insurance Companies blog.

Read More