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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 […]
Cyber Risk Management: Train your Employees!!
written by Rebecca Gomez Studies have shown that most breaches affecting organizations are not committed by nefarious unknown forces, but from their current or former employees. Experts in the cyber intelligence community found that 60 percent of all breaches affecting organizations have been carried out by individuals within their organization, who intentionally or unintentionally, take […]
Risk Management: Non-Owned Auto
It is common for nonprofit organizations to have their employees and/or volunteers to drive their personal autos for business-related purposes. This, however, provides the organization with additional liability exposures. In the event your employee or volunteer is in a car accident while using their personal auto on your behalf, your organization can be held liable. […]
Be Prepared for the Unexpected!!
In creating an effective crisis management plan, your organization should explore various potential crises your organization can face, such as fire, weather-related perils, workplace violence, and cyber-attacks. After assessing the risks, create a crisis management plan to address those risks identified. This process should be assessed regularly to strengthen any weaknesses in the current plan […]
Are You Ready for the New Year?
Be Prepared or it Can Cost You! As the New Year begins, it is important for every organization to review their risk management procedures by addressing any weaknesses to prevent potential accidents that lead to costly claims. One risk management tool to assist in mitigating the costs of claims arising out of your organization’s operations […]
Tips to Help Prevent Employee Theft
A recent report shows that the majority of employee thefts occur in small businesses with less than 150 employees. In most instances, trusted employees perpetuate employee theft. The following are a few of the more common embezzlement myths, which fool administrators into complacency: “Everyone who works here is a trusted employee.” “Nonprofits rarely have to […]
Back to Basics: Workers Compensation Premium Calculation
Did you ever wonder how workers’ compensation is calculated and why premiums fluctuate even though your payroll is consistent? Most administrators know that workers’ compensation premium is based primarily on the estimated annual payroll. However, many times, we receive concerns from our clients who were billed an additional premium at audit. Many times this additional […]