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In our increasingly litigious society, the threat of a lawsuit hangs over every business transaction, large or small. Even employers who adhere to the letter of the law at all times are likely be sued by an aggrieved employee or customer at some point. While many suits are groundless, defending against them is costly and time consuming.

If you carry employment practices liability insurance (EPLI), your business has a measure of protection against lawsuits from current, prospective or...

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Teens and young adults often face hefty auto insurance premiums because, statistically, they are more likely to get into car accidents. The Department of Motor Vehicles reports that the crash rate for those between the ages of 16-19 is 2.7 times greater than that of the average driver. However, most carriers offer a simple solution to combat this financial burden—offering a good student discount.

The good student discount is an auto insurance discount provided by carriers that...

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Employers - is the cost to offer health benefits to your employees busting your budget? If so, there are many ways to take charge of your own fate when it comes to managing health care risk, controlling claim costs, and engaging individuals in the process. Over the years, I’ve highlighted the importance of funding options other than full insurance; plan designs that drive individual engagement and accountability; a well-being program to keep individuals healthy and productive; and data...

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Employee benefits liability (EBL) is insurance that covers businesses from errors and omissions that occur when employee benefit plans are administered. These errors and omissions may include failing to enroll, maintain or terminate employees in a plan, and failing to correctly describe benefit plans and eligibility rules to employees.

EBL insurance covers a wide range of plans, including health, dental and life insurance, profit-sharing plans, workers’ compensation and employee stock...

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We’ve all heard the phrase, “change is good.” While we can relate to that phrase, it’s not always easy to implement new employee wellbeing initiatives in the workplace, especially when you consider other competing business priorities.

Even if your company is on board, there can also be too much change.

“Finding a healthy balance in delivering a wellness plan that fits the dynamic of your workforce is crucial.”

Many health and wellbeing programs have tipped the scales...

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Automobile accidents are an expensive liability for companies that rely on the use of vehicles for their business. That risk has increased in recent years, mainly due to distracted driving and a legal concept called negligent entrustment.

Negligent entrustment occurs when an employer is held liable for negligence in choosing an employee to operate a dangerous instrument, usually a vehicle. An employer can be found negligent if both of the following situations occur:

  1. A...
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The weather can change quickly during the summer months, sometimes catching outdoor workers off guard posing a serious threat to their safety. When working outdoors, make sure you have access to severe weather alerts, and know what—and what not—to do if severe weather strikes.

If a severe thunderstorm warning cautions against straight-line winds, seek shelter immediately, preferably in a building and away from windows.

Do not use electrical appliances.

Be aware that...

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I’ve been reading a lot on employee wellbeing lately—more than usual. Not since my college years have I spent as much time researching, filtering through the various credible sources (and some not so credible) and assessing the merits of corporate health and wellbeing programs. Why this sudden return to scouring research journals you might ask? As wellness continues to evolve, we are constantly being challenged on its true return on investment for businesses. Your company may want a...

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Across all industries, certain employees may be required to work alone. Whether it’s due to staff shortages, late-night shifts or the nature of the job itself, those who work alone tend to be more vulnerable.

For example, if you work alone, you may lack the support needed to properly respond to any incidents that occur on the job, let alone receive the necessary assistance. In addition, if there is only one worker present at a location, members of the general public may feel they can...

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