We sure hope you have been enjoying our summer as much as we have! Our Londonderry office is closed on Saturdays during the summer, but Michael Ware in our Hampton Office is available on Saturday mornings from 9 to Noon. Call or stop by with your questions on commercial insurance.
We are still holding our monthly Medicare workshops at the Adult Education Conference Center in Londonderry. If you are more than 65 years old or will be soon, our workshop will teach you everything you need to know about Medicare.
Our next workshop will be held on August 23rd at 6:15. Call for more information.
Marie Brownell and The Brownell Insurance Team
Remember – we offer free quotes for all of our insurance products. Please don’t hesitate to “Dare to Compare” the insurance coverages you might have elsewhere to see if “bundling” them might save you a few hundred dollars. You just might find the service and savings you have been looking for!
What is employment practices liability insurance (EPLI)?
EPLI covers businesses against claims by workers that their legal rights as employees of the company have been violated.
The number of lawsuits filed by employees against their employers has been rising. While most suits are filed against large corporations, no company is immune to such lawsuits. Recognizing that smaller companies now need this kind of protection, some insurers provide this coverage as an endorsement to their Business-owners Policy (BOP). An endorsement changes the terms and conditions of the policy. Other companies offer EPLI as a stand-alone coverage.
EPLI provides protection against many kinds of employee lawsuits, including claims of:
- Sexual harassment
- Wrongful termination
- Breach of employment contract
- Negligent evaluation
- Failure to employ or promote
- Wrongful discipline
- Deprivation of career opportunity
- Wrongful infliction of emotional distress
- Mismanagement of employee benefit plans
The cost of EPLI coverage depends on your type of business, the number of employees you have and various risk factors such as whether your company has been sued over employment practices in the past. The policies will reimburse your company against the costs of defending a lawsuit in court and for judgments and settlements. The policy covers legal costs, whether your company wins or loses the suit. Policies also typically do not pay for punitive damages or civil or criminal fines. Liabilities covered by other insurance policies such as workers compensation are excluded from EPLI policies.
To prevent employee lawsuits, educate your managers and employees so that you minimize problems in the first place:
- Create effective hiring and screening programs to avoid discrimination in hiring.
- Post corporate policies throughout the workplace and place them in employee handbooks so policies are clear to everyone.
- Show employees what steps to take if they are the object of sexual harassment or discrimination by a supervisor. Make sure supervisors know where the company stands on what behaviors are not permissible.
- Document everything that occurs and the steps your company is taking to prevent and solve employee disputes.
Article from: iii.org
N.H. Marketplace may offer fewer Health Insurance options in 2017
The state’s health insurance marketplace will again have five companies offering plans next year, but the number of small-group options will fall by about one-third and the number of companies offering dental insurance will be down to two.
Those numbers, presented at a public session Thursday, are still preliminary and don’t include rates, which are still in flux. It is generally expected that prices will rise sharply next year; insurance companies are citing losses due to factors such as high drug costs and a shortage of healthy patients enrolling in the programs to balance out patients who use a lot of medical services.
Average health insurance premiums were markedly lower in New Hampshire this year than the year before under the federal health care program, largely because more companies had entered the state’s marketplace.
Wisconsin-based Assurant Health pulled out of the New Hampshire Health Network last year and then left the business entirely, but it has been replaced for 2017 by Ambetter from New Hampshire Healthy Families, being offered through Celtic Insurance.
According to a presentation given Thursday by the New Hampshire Insurance Department, submissions to the state as of April indicate that the plans will be offered through five companies, also including Anthem Blue Cross, Harvard-Pilgrim, Minuteman Health and Community Health Options. The providers are proposing to offer 44 individual plans, an increase of 12 from this year, but just 21 small-group plans for businesses of 50 or fewer employees, a decline of 9 from this year.
Read full article at: ConcordMonitor.com
Article by: David Brooks
Marinated Grilled Salmon
1 1/2 pounds salmon fillets
1/3 cup soy sauce
1/3 cup brown sugar
1/3 cup water
1/4 cup vegetable oil
lemon pepper to taste
garlic powder to taste
salt to taste
Season salmon fillets with lemon pepper, garlic powder, and salt.
In a small bowl, stir together soy sauce, brown sugar, water, and vegetable oil until sugar is dissolved. Place fish in a large resealable plastic bag with the soy sauce mixture, seal, and turn to coat. Refrigerate for at least 2 hours.
Preheat grill for medium heat.
Lightly oil grill grate. Place salmon on the preheated grill, and discard marinade. Cook salmon for 6 to 8 minutes per side, or until the fish flakes easily with a fork.
Recipe courtesy of: AllRecipes.com