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Business InsuranceThis week, the end of the discussion with Scott Cornelius of Earnie Cornelius Agency, Inc., Dave Ramsey’s ELP for home and auto insurance in the Oklahoma City area. You can contact ECI at (405) 373-2977, or get a quote from their website at Click to read Parts one, two, three and four.

Michael: Last week we talked a little about business insurance. Do you have anything to add to that?

Scott: A couple other kinds of commercial insurance that are really important now are EPLI—employment practice and liability insurance. That covers wrongful dismissal, sexual harassment, discrimination, and what you’re really buying there is defense costs, because there are a lot of fraudulent claims, but you still have to hire a lawyer and go defend yourself. Most businesses don’t think about that! Even if they do everything right, they still have to defend themselves if someone files a claim against them.

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