Non-Profit organizations know that an injury to an employee, severe property damage or lawsuits destroy productivity. Therefore, it is obvious that all losses should be avoided or reduced. For non-profits that cannot afford an in-house safety officer, insurance company loss control representatives act in the same capacity to review the overall picture. In some cases, … Read more
When you rent a vehicle, the contract between the lessee (your employee or volunteer) and the lessor (Rental Company) will dictate when the insurance coverage begins and ends. Each contract will differ. When an individual enters into the contract their individual Personal Automobile Policy will be excess over the insurance on the vehicle itself. This … Read more
Non-ownership Automobile Liability involves situations when an employee’s personal car is used in the service of the business. If an accident occurs, injured parties may sue you, the employer and/or the employee for injuries and damages. The non-owner policy form of commercial automobile liability policy protects the employer and employee for bodily injury and property … Read more
There are two different kinds of liability policies on the market today. The difference between the two forms can best be described by giving an illustration. The occurrence policy provides protection through the insurance company that insured you at the time of the incident and must defend you and pay any judgment against you, up … Read more
Business Income insurance pays for the actual loss of business income that you sustain due to suspension of your business operations as a result of damage or destruction to your property. This suspension must be due to a direct physical loss at the premises that is described in the policy and result from a covered … Read more
State Law requires that you provide Workers’ Compensation benefits for all salaried or contracted employees regardless of the number of hours that they work for you. Therefore, the moment that you remit pay to an individual for services rendered you must purchase a Workers’ Compensation policy for them. Workers’ Compensation and Employers’ Liability protection provides … Read more
Administrators must do everything possible to prevent an incident of abuse from occurring in their facility, respond promptly, cooperate fully and develop effective proactive strategies for responding when an allegation has been made. Establishing policies and procedures for responding to allegations of abuse before they occur will make it easier for the program to respond … Read more
BE A SAFETY-SMART OWNER • Never leave infants or children alone with any dog. • Spay/neuter your dog. • Train your dog in obedience. • Don’t play aggressive games with your dog. • Follow leash laws. • Keep your dog healthy; an unnoticed injury can make a dog aggressive. • Your dog should be part … Read more
Advice To Follow If You Get Sued Finding yourself the object of a lawsuit can be one if the most upsetting experiences of your career. Fortunately, however, a few basic tips on how to handle a claim can help you prevent the situation from becoming worse. DO note the manner and date of service, should … Read more