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Employment Practices Liability

/Employment Practices Liability

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 [...]

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 [...]

Halloween Safety Tips for Homes and Businesses

Halloween is in a few days, and many home and business owners don't realize the risks associated with the holiday. Ghosts and goblins won't do nearly as much damage as an injured child or a candle fire. Insurance Programs of America wants to remind all home and business owners to take the steps necessary to [...]

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: [...]

Employment Practices Liability A Top Risk Concern for Business Owners Including Hotels

Employee disputes are listed as a real concern for organizations across a broad spectrum of industries, according to this year’s Norton Rose Fulbright’s Annual Litigation Trends Survey. Nearly 50% of the survey respondents cited labor and employment issues as topping the number of cases their organizations faced in 2013. This not at all surprising considering [...]

More Reason for Cyber Liability Insurance: Hotel Mobile Bookings to Spike in 2014

Last month in our blog, in our discussion on cyber risk management, we cited that hotels and motels accounted for 9% of all data breaches last year. This figure is according to data made available in Trustwave’s 2013 Global Security Report. With the rise in mobile use for hotel bookings, increased implementation of cloud computing, [...]

Hotel Risk Management: Bracing for Data Breaches

In the past, we’ve discussed the fact that increasingly more companies are stepping up their efforts to stem cyber attacks and data breaches with preventative measures. Additionally, large and small organizations are realizing the need for Cyber Liability insurance to help protect company assets in the event of a breach. In fact, many in the [...]

If Passed, Could ENDA Spark an Uptick in Employment Practices Litigation?

In our blog two months ago, we covered some of the issues that are poised to potentially affect the employment practices environment, including the unconstitutionality of DOMA, an uptick in religious discrimination and age discrimination, the use of criminal background checks for employment purposes, etc. Now we have ENDA, the Employment Non-Discrimination Act, once again [...]