Package policies have lower premiums but might offer weaker RMtools
As small-to-midsized businesses grow and mature over the years,many things change. Annual orders and revenues keep increasing.There may be new products, customers and services. The competitivelandscape and overall industry factors can wax and wane. Employeesand managers come and go, even in the most stable of firms.
Most importantly, with growth comes complexity in therelationships among personnel and the way people are managed. Wecan no longer count our supervisors on a single hand. We can nolonger hold a staff conference in the lunchroom. Perhaps no area ofcoverage is more impacted by this evolution than employmentpractices liability insurance–the coverage “no one likes to talkabout.”
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