Insurance Update: Admitted and Non-Admitted Insurance Carriers
One of the most important factors when choosing an insurance company, is to check on its financial condition. The A.M. Best Company is the mostwidely recognized rating agency dedicated to the insurance industry. Best’s Ratings help with understanding the financial strength of an insurance company. The ratings range from A++ (Superior) down to D (below minimum […]
Frequently Asked Questions about Cyber Risk
“Does my General Liability policy cover me against cyber risk?” A typical General Liability policy (or business package policy) is notintended to provide coverage for cyber risks. Most property forms protectthe physical presence of computers, but not the data stored on them. The General Liability form excludes claims of copyright, trademark and trade secret infringement. […]
Volunteers
Nonprofit organizations have a responsibility to make sure their organizations are safe for those they serve as well as those who work or volunteer for them. Nonprofits therefore have to integrate an effective risk management program into all of their planning and operations. The basic goal of risk management is to enhance the level of awareness of […]
New I-9 Form Released
The U.S. Department of Citizenship and Immigration Services (USCIS) requires employers to verify the identity and employment authorizationeligibility of new hires. Employers must fill out USCIS Form I-9 to satisfy the requirement. On March 8, 2013, the USCIS released the new version of this form. The new form is nine pages long, including the form, […]
Update your Employee Handbook
Updating your Employee Handbook will go a long way toward lowering your liability exposure. According to the U.S. Equal Employment Opportunity Commission (EEOC), 99,947 discrimination charges were filed in 2011. Employees file charges under multiple cateogories. One way to help protect your organization is to develop and adhere to an employee handbook. Employee handbooks can […]