If the right questions aren't asked when your jewelers block insurance is up for renewal, you could be putting your business in the dangerous position of being underinsured. Even worse, you could be completely lacking coverage for certain risks.
An employee at your jewelry business continues to arrive late to his shift. After a month of this occurring and no change in behavior, you decide that it's in your best interest to fire this person.
Now, did you just make an effective management decision, or commit a misguided human resources error that could potentially cost your business hundreds of thousands of dollars?