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Does Your General Liability Insurance Cover Claims For Negligent Employment Practices?
written by Rebecca Gomez General Liability Insurance serves to protect an organization (insured) from third-party claims involving bodily injury and property damage arising out its operations or premises. Most, if not all, organizations need to carry general liability insurance, which also covers medical expenses and attorney’s fees arising from the damages caused by the organization’s […]
Volunteer Risk Management: Handbook
Nonprofit employers and administrators tend to focus on implementing an effective employee handbook which outlines the employees’ policies and procedures. However, many nonprofits tend to neglect writing an effective handbook for their volunteers. Volunteers are a vital aspect of most Nonprofit organizations and there is an increase liability risk when there are no proper procedures […]
Tips to Reduce Holiday Party Liability for Employers
With the holidays approaching, attention is now turning to celebrating with family, friends, and coworkers at the company holiday party. Many organizations are in the process of planning the festivities and various liability issues need to be addressed when organizing a party. Incidents are more likely to occur if alcohol is involved. Employers should be […]
Risk Management Tips to Mitigate Losses from Distracted Driving
written by Rebecca Gomez Despite laws cracking down on distracted driving, the behavior of most drivers has not significantly changed. According to Travelers risk index survey, 85% of the people surveyed are aware of the risk associated with the use of cell phones or tablets while driving, yet 25% of those respondents admitted they do […]
Can Employers Be Held Liable for Accidents Caused By Employees on their Commutes?
Written By: Rebecca Gomez From time to time, we have clients ask if they are responsible for the actions of their employees while they are commuting to and from work and whether or not workers’ compensation insurance would provide coverage. The answer is, “it depends.” The Doctrine of Respondeat Superior holds an employer vicariously liable […]
What to Consider BEFORE Terminating an Employee
What to Consider BEFORE Terminating an Employee According to the 2017 Equal Employment Opportunity Commission Report, there were 82,254 workplace discrimination charges filed with the federal agency. The Commission released a list of the top 10 employment discrimination claims showing retaliation at the top with 41,097 charges which constituted 48.8% of all charges filed against […]
Are your independent contractors classified correctly?
Last month, the California Supreme Court abandoned the multi-factor test and adopted the “ABC Test.” The “ABC Test” imposes a tougher legal standard to determine whether or not an individual is truly an independent contractor. The legal effect for this ruling places the burden on the employer to establish that a worker is not an […]
Employment Practice Liability and #MeToo – Be Prepared!
In light of the #MeToo movement, employers must take proactive steps to protect their organizations and take control of sexual harassment issues in the workplace. To avoid litigation, employers should constantly review their harassment policies and honestly evaluate their corporate culture. This movement has prompted insurance companies to reconsider their approach in underwriting harassment related […]
What NOT to Ask Employees or Applicants
written by Rebecca Gomez The California Fair Employment and Housing Act (FEHA) prohibits employers from making non-job related inquiries of employees or job applicants, either verbally or through use of an application form. Employers are generally prohibited from making the following types of inquiries: mental or physical disability or medical condition If the applicant has […]
Do NOT Make This Safety Program Mistake!
written by Rebecca Gomez Having an effective safety program is crucial for creating a safe work environment and keeping workers’ compensation premiums low. Some employers have used a reward system (reward employees when there are no work-related accidents) as motivation to create a safe work environment. This can be a costly mistake. A reward system […]