Posts by Insurance News Editor
IN: Spotlight on Employment Practices Liability Insurance
Dear Valued Customer, In this issue of “————” we put the spotlight on Employment Practices Liability Insurance. Employee lawsuits have risen roughly 400% over the last twenty years, making Employment Practices Liability Insurance (EPLI) extremely important coverage. EPLI can protect you from suits to do with wrongful termination, harassment, discrimination, breach of contract, emotional distress,…
Read MoreSpotlight on Employment Practices Liability Insurance
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…
Read MoreDoes your EPLI include a definition of ‘breach of privacy’?
Business owners worried about discrimination or sexual harassment lawsuits will often purchase Employment Practices Liability Insurance (EPLI). However, many businesses fail to check to see if their EPLI policy covers an invasion of privacy. What do we mean by ‘invasion of privacy’? In California, a woman filed a lawsuit over the monitoring application her employer installed…
Read MoreIN: Wildfires: Make Sure You’re Prepared for a Fire
Dear Valued Customer, Planning what to do before a disaster strikes provides the best protection for you and your family. This issue of “—————–” answers what you can do in response to a wildfire. It also helps you make a plan and keep safe during a fire. Read on to create a family communication plan…
Read MoreMake sure you’re prepared for a fire with adequate coverage
Insuring yourself against wildfires If the area in which you live is at risk for wildfires, make sure to take appropriate measures to protect your home against these catastrophically destructive events. However, as it’s not always possible to avoid the devastation of a wildfire, it’s important to protect yourself financially by having adequate insurance for: The structure…
Read MoreIN: Certificates Of Insurance: Common Misunderstandings & Misconceptions
Dear Valued Customer, This issue of “———————-” focuses on Certificates of Insurance. A Certificate of Insurance validates the existence of an insurance policy, but it is much, much more. In addition to describing the insurance available to the named insured, a certificate may also convey information that the certificate holder is an additional insured under…
Read MoreWhat Is A Certificate Of Insurance?
A certificate of insurance is a document issued by or on behalf of an insurance company to a third party who has not contracted with the insurer to purchase an insurance policy. The most common type of certificate is that provided for informational purposes to advise a third party of the existence and amount of…
Read MoreCertificates Of Insurance Can Be Dangerous
Insurance certificates can be dangerous documents that migrate between the insured, the insurers and many other third parties. These documents can be dangerous because they can be issued without legitimate need, or with inappropriate language which can leave the issuer with the potential for significant errors and omissions situation. To avoid these risks, first ask…
Read MoreCommon Mistakes
It is very important to read and analyze the language of the contract. For example, consider the situation where someone has written into the verbiage a hold harmless agreement, where the expectation of both insured and third party is that the contract of insurance will provide protection, like so: X Corporation hereby agrees to indemnify…
Read MoreWork Authorization For Non-U.S. Citizens
Immigration and Nationality Act of 1952, (INA) as amended Who is Covered The INA includes provisions addressing employment eligibility, employment verification, and nondiscrimination. These provisions apply to all employers. Basic Provisions/Requirements Under the INA, employers may hire only persons who may legally work in the United States (i.e., citizens and nationals of the U.S.) and aliens…
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