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Also known as EPLI, employment practices liability insurance is designed to protect small businesses in the event an employee files a lawsuit claiming harassment, discrimination or another such wrongdoing. It’s a worthwhile investment; employment practice lawsuit settlements can cost businesses millions of dollars. Even cases that are unsuccessful result in expensive legal defense fees—and, more often than not, damage to your company’s reputation. As such, an EPLI policy should be part of every small business risk-management strategy.



Last September, the Bureau of Labor Statistics released the
preliminary results of the 2014 National Census of Fatal Occupational Injuries. The report revealed 4,679 fatal work injuries were recorded in the U.S. in 2014, an increase of 2 percent over 2013’s numbers. Nearly 750 of these workplace deaths were due to violence and other injuries by persons or animals. Among those classified as homicides, 32 percent involved relatives or domestic partners when female workers were the victims. Thirty-three percent of workplace homicides with male victims were robberies.



We’re a full month into the New Year and many of us are already losing interest in the goals we set 30 days ago. Skipping the occasional yoga class or spending an afternoon or two binge watching Netflix is unlikely to really hurt you in the long run. However, ditching the financial promises you made to yourself as 2015 became 2016 just might. Whether you’re still going strong or need to revive your faltering commitment, these could be the most important resolutions to try to keep this year.



According to
Freddie Mac’s chief economist, mortgage interest rates should remain at historically low levels in 2016 regardless of the Federal Reserve’s decision to raise the federal funds rate (for the first time since 2006) late last year. What does that mean for you? Whether you’re ready to buy or sell a home, now could be the time to act. But before you do, consider how the three biggest homebuying trends may affect you.