The majority of American adults are overweight or obese, yet studies have found that weight discrimination is increasing. One recent study found it was as prevalent as racial discrimination. The study mentioned above used a subjective measure, individuals’ perceptions of being discriminated against for their weight. But studies using more concrete measures, such as pay...
Read more
Personal Injury Claims: Beyond Slip-and-Fall Accidents
Although the legal definition of “personal injury” includes injury to the body, standard liability insurance policies have an entire section devoted to covering personal injury claims. And they don’t include injury to the body. Nearly every business owner realizes the importance of protecting the organization from claims of bodily injury from other parties. But there’s...
Read more
Is Your Website Discriminatory?
Poorly designed websites can create unnecessary barriers for people with disabilities, just as poorly designed buildings prevent some people from entering. And that could constitute discrimination and a violation of the Americans with Disabilities Act (ADA) and its amendments. Most employers should know Title I of the ADA, which applies to all employers, public and...
Read more
7 Steps To Filing Your Insurance Claim
We hope it never happens, but when you suffer a loss, you’ll have to file a claim to receive payment from your insurer. Here’s how the process works, and how to handle it to your best advantage. Notify Authorities Your first priority is always to prevent further injury and to protect life and health. If...
Read more
Auto Fleet Safety Programs Pay
If your company maintains an auto fleet (including passenger vans and pickups), no matter how small, you want to keep your insurance rates under control. One of the best ways to do that is to make your fleet as safe as possible. Auto fleet safety programs pay big dividends, if you implement them properly. There...
Read more
10 Tips for Protecting Your Company from Auto Liability Claims
Although the number of auto liability claims has fallen in the last few years, the cost of claims is increasing, even though the severity of injuries is decreasing. In 2012, auto liability claim costs for property damage averaged $3,073; cost of bodily injury claims averaged $14,653, according to the Insurance Services Office (ISO). Protect your...
Read more
Crowd Management Safety
In 2008, a retail worker died from being trampled during a holiday sale event. OSHA has sent letters to major retailers to remind employers about the potential hazards of large crowds at retail stores during the holiday season. It is encouraging retailers to use the safety guidelines, Crowd Management Safety Guidelines for Retailers, available on...
Read more
Gun Rights vs Employer Property Rights
The debate over gun rights often pits the individual’s right to bear arms and the rights of private property owners, such as employers, to prohibit firearms on their premises. The Second Amendment is one of the most widely disputed provisions of the Bill of Rights. Two opposing interpretations dominate the debate: one that the amendment...
Read more
Additional Insured Coverage
Additional insured coverage can protect your organization from liability due to contractors’ and subcontractors’ operations. Liability insurance covers you from losses due to claims your company, its employees or products or services caused harm or wrong to a third party. Sometimes, however, your organization can be considered “vicariously liable” when another business, such as a...
Read more
Liability Insurance for Nonprofits
November is Nonprofit Awareness Month. If you manage or serve on the board of one of the estimated 1.58 million nonprofit organizations in the U.S., thank you for your service. To ensure your organization can continue its good work, you have an obligation to ensure it has taken steps to reduce its liability risks. One...
Read more