Dear Valued Customer, As a 1099 contractor, it’s important to have the right insurance protection. You can get sued just as easily as any other small business owner, and liability claims can be very expensive. If you don’t have coverage, and if a client, customer or unrelated injured party sues you, you’ll have to pay…
What happens if you fire someone and they turn around and sue you for discrimination? Regardless of why you let them go, you are going to have to pay for your legal defense. Imagine if one of your employees harasses another. Your company could face settlements and legal fees, all because the offense took place…
Dear ——, The COVID-19 pandemic has forced employers across the country to rapidly make numerous and significant decisions about how to manage their business in this unprecedented time. Employers have had to quickly develop and implement policies and procedures addressing remote work, layoffs, furloughs, pay cuts, workplace conditions, and a host of other issues. Not…
Dear Valued Customer, It is too early to know the full extent of lawsuits resulting from the impact of the coronavirus pandemic, but come they will. We anticipate OSHA claims in the coming months, claims to do with the Family & Medial Leave Act, (FMLA), the Fair Standards Act, (FLSA), wrongful termination claims, and more.…
My colleague, Jason Rubinstein, recently wrote a piece highlighting potential impacts the coronavirus pandemic might have on various commercial lines of insurance. Though too early to know the full extent of resulting lawsuits, it is only a matter of time before employers start to see claims by current or former employees stemming from issues related to…
Small and medium-sized businesses (SMBs) could face a higher risk of discrimination claims and employment practices liability (EPL) lawsuits when their employees return to work once COVID-19 restrictions are lifted. There are multiple factors exacerbating EPL risk amid the coronavirus pandemic. Many SMBs were forced to close their doors for two months or longer during…
The COVID-19 pandemic has forced employers across the country to rapidly make numerous and significant decisions about how to manage their business in this unprecedented time. Employers have had to quickly develop and implement policies and procedures addressing remote work, layoffs, furloughs, pay cuts, workplace conditions, and a host of other issues. Not surprisingly, we’re…
A blanket additional insured endorsement is an insurance policy endorsement that automatically provides coverage to any party to which the named insured is contractually required to provide coverage. A blanket additional insured endorsement is most commonly found in liability insurance policies, though it is typically not a feature of the policy language. KEY TAKEAWAYS A blanket additional…
Looks can be deceiving when it comes to additional insured endorsements. They may not be as broad they seem. Many contain exclusions or limitations that aren’t apparent until a loss occurs. Here are some pitfalls to watch out for if your business is covered, or is covering another party, under a liability policy as an additional insured. Ongoing Operations One…
Dear Valued Customer, This month “—————” reports on “Contractors additionally insured endorsements.” Additional insured means anyone beyond the policyholder who is covered by the policy. This coverage could be provided for a single event, or for the lifetime of the policy. An additionally insured endorsement can be provided to an individual or a group with…
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Landscape Contractors Insurance Services, Inc.
A Division of World
1835 N. Fine Ave, Fresno CA 93727
Tel (800) 628-8735 Fax (559) 650-3558
CA LIC # 0755906