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Why Nonprofits Need Sexual Abuse & Molestation Insurance

Many nonprofits work closely with children, youth, seniors, individuals with disabilities, and other vulnerable populations. While these organizations strive to create safe environments, allegations of abuse or molestation can still occur. Even unfounded claims can result in costly legal expenses and significant reputational damage. Sexual Abuse & Molestation (SAM) insurance helps protect nonprofits against claims alleging abuse, molestation, misconduct, or negligent supervision by employees, volunteers, or other covered individuals. This coverage can help pay for legal defense costs, settlements, and judgments, subject to policy terms and conditions. Organizations that commonly purchase SAM insurance include youth programs, mentoring organizations, camps, after-school… Read More »Why Nonprofits Need Sexual Abuse & Molestation Insurance

Additional Insured Form Comparison

Updated as of August 12, 2024 CG 20 10 (Edition 11/85) CG 20 10 (Edition 10/01) CG 20 37 (Edition 10/01) CG 20 10 (Edition 07/04) CG 20 37 (Edition 07/04) CG 20 10 (Edition 04/13) CG 20 37 (Edition 04/13) CG 20 33 (Edition 04/13) CG 20 38 (Edition 04/13) Note This summary is for convenience only and does not attempt to capture all aspects of the various forms noted. Refer to the endorsements themselves for complete wording. Any review of contractual requirements and compliance should only be done with the assistance of a qualified attorney.

Credit Card Incident Response Policy Template

To address credit cardholder security, the major card brands (Visa, MasterCard, Discover, and American Express) jointly established the PCI Security Standards Council to administer the Payment Card Industry Data Security Standards (PCI DSS) that provide specific guidelines for safeguarding cardholder information.  Use the template below to handle breach, theft and fraud related to credit card transactions. Download

Commercial General Liability Exclusions j. (5) and j. (6) Are Not the Same

Denial of Commercial General Liability Coverage (CGL) coverage for certain types of property damage claims made against contractors or other repair or service business frequently cite exclusions j. (5) and j. (6), or as Randy Maniloff1  has named these exclusions, the “double js.” Put another way, these exclusions are appropriately labeled “double js” because if an insurer is citing one “j.”, it will almost always cite the other “j.” as a basis for a coverage denial.   The problem with lumping together of exclusion j. (5) and j. (6), which is the most prevalent when the property damage being claimed is… Read More »Commercial General Liability Exclusions j. (5) and j. (6) Are Not the Same

Furnace Safety Tips

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Clean Or Change Furnace Filters Regularly. Replace disposable filters. Wash, brush or vacuum permanent filters. Check The Exhaust Vent From The Furnace. Clear obstructions such as leaves or animal nests from the vent pipe. Keep roof exhaust vents clear of snow. Inspect The Blower Motor With The Power Off. Vacuum any accumulated dirt. If the owner’s manual calls for it, oil the motor. Inspect the V-belt and pulleys for wear. Tighten the belt if it moves more than an inch when you push it. Check Air Intake. Most mobile home furnaces draw combustion air from beneath the home. To allow… Read More »Furnace Safety Tips

Workers Compensation Deadlines – All 50 States

If you have been injured at work, you need to be aware of the deadlines that apply to workers compensation claims in your state. In most states, there are two types of workers compensation deadlines. The first is a deadline to report your injury or illness to your employer, and the second is a deadline for filing a claim for benefits. If you miss either of these deadlines, you could lose your benefits eligibility. Use the chart below to learn about the deadlines in your state. State Report the Accident to Your Employer in Writing* File a Workers’ Compensation Claim**… Read More »Workers Compensation Deadlines – All 50 States

Fleet Safety Program

For organizations that operate vehicle fleets, it’s important to have a formal, effective safety program. It establishes the policies and procedures that are needed to ensure a safe work environment for your employees. It can also help protect against liability for vehicle accidents – a significant exposure for most fleets – and helps control accident costs. To be effective, a formal fleet safety program should address a range of activities related to employee selection, management and training; vehicle operation; maintenance; and accident management. Although not every fleet is the same, here are some key components and best practices your program should… Read More »Fleet Safety Program

How to Onboard and Train Employees into a Safety Culture

How to Onboard and Train Employees into a Safety CultureOnce you attract and hire qualified job candidates to your open positions, having an onboarding and training process can help employees work safely and effectively. A continuous onboarding program will help orient employees not only to the functional details of employment, such as appropriate safety procedures, but also to the safety culture of the organization.

Employee retention strategies, such as onboarding and training programs, can also help protect the considerable time and expense invested in recruiting and hiring new employees. According to the Institute for Research on Labor and Employment (IRLE) at the University of California at Berkeley, the costs of replacing an employee are approximately 9% of an employee’s annual wage. In addition to any lost productivity and institutional knowledge, those costs include recruitment, selection, the costs of learning on the job and any separation costs.Read More »How to Onboard and Train Employees into a Safety Culture