Sexual Harassment Lawsuits: How to Protect Your Company

| posted in Uncategorized

By now, employers should all realize and understand that sexual harassment is illegal. However, what they might not be aware of are two 20-year-old rulings by the U.S. Supreme Court that: • Expanded what is termed sexual harassment; • Expanded the responsibility that employers have to provide a work environment that’s non-hostile; and • Did away with harassed employees having to prove that their company holds some responsibility or that their career suffered from lack of promotion, firing, demotion, or other such action. Employers are now directly responsible for employee behavior, thereby giving harassed workers more recourse in bringing about…
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Why Your Business May Need Pollution Coverage

| posted in Blog

Almost all businesses have some risk of being sued or cited for pollution, even the most benign, such as a property owner. Pollution exposures for many businesses are obvious – like dry cleaners from the chemicals they use, to printing companies from the ink they use. And any manufacturer would face some type of pollution exposure as well, in addition to warehouse operators and contractors. Think you’re not exposed? Say you own a business property, even an office building for example, you could have pollution exposure such as: The existence of lead (paint and pipes or asbestos). Releases by tenants…
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How to Avoid Having Your Cyber Claim Denied

| posted in Blog

You no doubt have seen our admonitions about the need for businesses to secure cyber insurance policies that can help defray the costs of an attack on your network or a theft of your employees’ or clients’ personally identifiable information. Businesses are faced with increasing threats and cyber criminals are constantly working to devise new ways to infiltrate organizations’ databases and extract information or find some way to monetize their hacks. Cyber insurance can help your business recover from these events, but as with all insurance, there are risks that are covered and those that aren’t – and you often…
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Think like a risk manager to reduce your insurance costs

| posted in Blog

All large corporations and national businesses have someone in charge of risk management, if not a whole department. But hiring a risk specialist or dedicating a number of employees to that kind of work is typically too expensive for most small and mid-sized companies. So, this risk mitigation typically is left to the business owner or the duties are spread among senior managers. One way that you can reduce the risk to your finances is to purchase appropriate insurance coverage, which can sometimes be expensive. However, if you focus on managing your company’s risks, you can do more than solely…
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Same-sex Marriage Ruling and Your Employee Benefits

| posted in Blog, Newsletter

In June, the Supreme Court ruled that same-sex marriages are valid and should be performed throughout the United States. While the ruling in the case of Obergefell vs.Hodges is about personal liberties, it also will have an effect on employers’ employee benefit plans – and you need to know how to respond. First, in its ruling the court did not touch on sexual orientation discrimination in the workplace. As a result, the decision does not require employers to treat the same-sex spouses of their employees the same as opposite-sex spouses with respect to the provision of health and welfare benefits….
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