Welcome to Employment Practices Liability Insurance
of California - coverage is NOW AVAILABLE NATIONWIDE
(see United Agencies Newsletter)
Every employer, large or small, faces the reality that it will be the target of legal action from past, present, and prospective employees.
Through legislation like the Americans With Disabilities Act and the Family Medical Leave Act, Congress has created new grounds for employers to be sued. The Equal Employment Opportunity Commission (EEOC) provides some significant statistics with regards to discrimination cases (see right panel).
The policies we sell provide coverage for a wide spectrum of employment-related claims and offer loss prevention programs for business professionals to help minimize the risk of those claims.
We can provide some of the most comprehensive employment practices Liability Policies offered to small businesses.
In response to the escalation in employment-related litigation and the financial risk to small businesses for employment-related claims, we offer our clients the service of shopping for Employment Practices Liability. Drawing on our many years of experience in handling claims for our clients, we have worked with carriers who specialize in, and have designed, a comprehensive program to assist your business in reducing its exposure to claims by employees.
I work with families who have private foundations, I also provide risk management services to many Non-Profit Organizations and I arrange insurance coverage for most of these. Board members frequently ask for a "quick reference guide" to the insurance needs and some of the basic risks that "typical" not for profit organizations face.
To a non-insurance person, this may sound like a bunch of gobbledygook... Let's see if we can help to make sense of it all. Commercial auto insurance policies protect several different parties; the business to which the vehicle is registered, you as the owner of the business, the vehicle itself and others. Insurance carriers are able to expand or restrict who is insured by using special codes when they build the policy for your company. In insurance lingo these codes are referred to as "symbols" or more specifically, coverage symbols.
OSHA may find its way to your location, if they do, you need to be prepared.
Let's walk through your front door, do you already have an OSHA 300 Log readily available in a folder for easy access in the entry area of your business? Oh, someone told you that unless you have more than 20 employees you don't need it? WRONG, don't become a victim of relying on incorrect information...
Here's a fill able version of the OSHA 300 Log that you are free to download and complete: click here for the PDF version. If you would like my assistance to complete the form, contact me it's free too.
Be prepared for a visit - Plan for an inspection -
Don't be caught off guard, it could cost you big buck$