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Employment Practices Liability Insurance

/Employment Practices Liability Insurance

Documenting Verbal Conversations with Clients Is Crucial

You probably keep documentation for most activities related to running your business, but do you document all important communications you have with clients? What about those conversations you have by phone or in person? If not, you may be putting yourself at risk. If you make policy adjustments or deal with any sort of client [...]

Do You Understand Food Truck Insurance?

Food trucks are quickly growing in popularity within the food industry, but a lot of food truck operators (and even some insurance agents) aren't sure what type of insurance coverage is needed. If something goes wrong and food truck insurance coverage is inadequate, even the most successful food truck will find themselves out of business. [...]

Managing a Multicultural Agency

With today’s global economy and the growing ethnic and racial diversity found throughout the country, multicultural workplaces are becoming the norm for many agencies. Though diversity in the workplace is a positive thing, it can also present unique challenges to employers, in terms of language barriers, cultural differences, discomfort among minority groups and tension due [...]

Can Health Insurance Rebates Affect Workers’ Comp Premiums?

Since 2012, the Affordable Care Act (ACA) has required insurers with a certain medical loss ratio (MLR) to issue a rebate to employers. Depending on the way the rebates are distributed, businesses may end up paying more for workers’ compensation insurance. Medical Loss Ratio The MLR provision of the ACA states that insurers must spend [...]

Obesity and Workers' Compensation Costs

A study conducted by the Duke University Medical Center found that obese workers file twice as many workers’ compensation claims, were absent from work 13 more days from a work-related injury and had seven times higher medical costs for claims than the average non-obese employee. Obesity is bad not only for the individual and his [...]

New OSHA Regulations and Recordkeeping Rules

Beginning January 1, 2015, establishments located within Federal OSHA jurisdiction must comply with new, expanded recordkeeping requirements. Establishments located in states operating their own safety and health programs should contact the appropriate state authority to determine the start date for the new requirements. Under the new reporting requirements, employers must report the following to OSHA: [...]

The Risky and Complex Landscape of Employment-Related Exposures

The number of charges filed by employees with the Equal Employment Opportunity Commission (EEOC) is near an all-time high, with lawsuits brought by employees representing one of the most common types of litigation faced by employers of all sizes. The number of charges filed with EEOC grew sharply from about 75,000 in 2005 to almost [...]