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More people in the workforce are claiming discrimination over their English-speaking ability or foreign accents, according to federal officials. Workplace discrimination complaints based on national origin — which often involve language ability — rose by 76 percent from 1997 to 2011, when more than 11,800 complaints were lodged with the U.S. Equal Employment Opportunity Commission. Read more
1. Perfect your plan Every savvy shopper has a plan for buying the perfect gifts. Do you have a plan for making sure those must-have gifts are available on your shelves throughout the shopping season? Now is the time to know which products will be in big demand and plan your holiday sales strategy so those key items are available. Your plan should include: Identifying which products make up the largest portion of your sales Making arrangements with suppliers to have those products available before and during the start of the holiday shopping season Knowing your options or limitations for… Read More »Ensure Your Inventory is On Time
Each year, millions of Americans become victims of a car crash that causes mess on their day (and often their body and vehicle.) Auto accidents are stressful situations that can lead us to reveal more of our personal information to strangers than necessary. Even small fender benders can cause long-term pain if a friendly exchange of info leads to a compromise of one’s most sensitive personally-identifying data. A recent survey taken by the National Association of Insurance Commissioners (NAIC) revealed that many of us don’t know the proper steps to take after an accident, and most of us share too… Read More »Identity Theft Risks After an Auto Accident
Serving the public is a serious, round-the-clock responsibility. It’s your job to protect, plan for, and serve the needs of your community as it grows. And it’s our job to protect you with thoughtfully designed, tailored insurance coverages. Our dedicated underwriting, claims and risk control teams work specifically with water and sewer districts and can provide you with one source for your insurance and risk management needs.
• Training modules for unique risks such as flagging/traffic control
• Risk control specialists to assist in analyzing digging sites for pipe-laying hazards
• Coverage available for failure-to-supply services and sewer back-up liability
• Utilization of immunities and tort caps where applicable
• Coverage for members of boards, commissions and sewer authorities
• Co-located medical and claims professionals promptly handle, thoroughly investigate and fairly resolve claims, with a focus on return-to-work
• Discounts and savings through carrier’s preferred medical provider network
• Specialized equipment breakdown coverage and certified boiler and machinery inspections and consultations through carrier’s Boiler & Machinery
• Complimentary EPL hotline provides access to EPL attorneys* to answer your questions
• Discounts for employee training to help protect against “failure to train” exposures
• Our dedicated Sewer Backup Claim Unit understands the importance of balancing residents’ emotional reactions to water backup events with prompt claim handling
• Specialists work with sewer backup adjusters for valuation of residents’ personal items, antiques, etc.
• Coverage to protect against cyber and ID fraud for entities that store data electronically
The Internet provides a rich environment for creative communication. Used with care, it can assist in increasing product safety. But in their enthusiasm to capitalize on its power, some companies are increasing their liability potential. • A company president was not aware of a product on his company’s website. The marketing department put it there because it was a product they were thinking about developing. • A Vice President of Administration was unaware they even had a website. • Operator instructions normally in the manual provided with the product were posted on the website, but warning labels were left out.… Read More »Avoiding Liability on Your Website
Yes! It happens right now. We witness a great moment of the history! Gov. Jerry Brown made California the seventh state in the nation to allow drivers to show proof of insurance coverage using their smart phone. Brown on Friday signed Assembly Bill 1708, a bill authored by Assemblyman Gatto, which will give drivers the option to show proof of financial responsibility electronically using a mobile electronic device. “Governor Brown just brought proof of coverage into the 21st Century by signing AB 1708,” said Armand Feliciano, with the Association of California Insurance Companies. “California has long been known as ground zero… Read More »California Signs Electronic Proof Of Insurance Bill
Here are the 12 unusual claims nominated for the 2012 Hambone Award: July 2011 – Ginger the golden retriever (Rocky Hill, Conn.). Sniffing turned snippy when a feisty snapping turtle chomped down on Ginger’s nose, causing quite a scare and lacerations to her muzzle. August 2011 – Havee the Havanese (Pompton Plains, N.J.). A cleaning spree resulted in a trip to the local animal hospital when Havee’s tail was run over by the vacuum after he fell asleep under the dining room table. September 2011 – Kei the shiba inu (Wadswoth, Ill.). An escalator excursion landed Kei in the animal… Read More »Vote for Pet Insurance Claims of the Year
The commercial general liability market for the U.S. construction industry continues to firm with underwriters seeking rate increases of up to 15 percent, according to a report published by Marsh. Construction firms with poor loss histories are experiencing even larger liability rate increases and in some cases receiving non-renewal notices from their underwriters. After nearly a decade of rate declines, insurers also are typically seeking to raise rates on umbrella and excess liability insurance of between 8 and 10 percent, according to Marsh’s August 2012 Construction Market Update. According to the report, rates for project-specific general liability, general liability wraps,… Read More »Increases for Liability Insurance for Construction Firms
A recent Travelers survey found that 48% of small business owners do not have a written business continuity plan. That’s especially troublesome considering that The American Red Cross estimates as many as 40% of small businesses do not reopen after a major disaster. We have partnered with Travelers Insurance Company to offer Business Continuity tools that help business owners plan for the unexpected so they do not become part of a statistic. You can start building your plan today using resources on Small Business Safety, Protecting Your Business, Plan Ahead, at travelers.com pages. Should you have any questions, please feel… Read More »September is National Preparedness Month