Insurance, safety and education

The holidays tend to revolve around food: potlucks, family dinners, cookie decorating and seasonal celebrations offer dozens of opportunities to cook, bake and dine to your heart's content. Whether you're whipping up something in the kitchen or delivering homemade goodies, here are a few tips on food safety for the season:
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Just for fun, let's take a look at some of the weirdest insurance policies out there.
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After your home is damaged by wind, hail, or other natural elements, the storm isn't necessarily over; in fact, it might be just the beginning. Here's what you need to know about the storm-induced insurance process from diagnosing the damage to filing a claim and making repairs so that weathering your home's recovery is as painless as possible.
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An employee of one of my policyholders has been out of work on a workers' compensation claim for over a year.The employer hired a 'temporary' employee to fill the position and asked me whether they could replace the injured employee by making the 'temporary' position 'permanent.'This is a Human Resource (HR) issue that I was not qualified to answer so I recommended the policyholder consult wth a Labor Law attorney for an opinion.I also noted to the policyholder that they did not have employment practice liability insurance (EPLI), a policy that would provide a defense for 'wrongful termination' as well as numerous other potential employer-employee issues.Many times EPLI can be added to a not-for-profit's Directors & Officers Liability policy for less than $200 a year.This is a good policy to have whether you have one employee or one hundred.
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