No matter the business you work in, mistakes can happen. E&O insurance coverage for staffing agencies covers errors and omissions that may happen. While E&O coverage does cover mistakes, it does not cover intentional acts. Here are two of the most common risks for staffing agencies.
Sometimes, you perform all the required background checks but when you place a contract worker with a company, he or she makes mistakes. If the mistakes lead to a financial loss, the client may file a lawsuit against your firm. Your agency is responsible for your employees.
If your staffing firm is in the medical industry, then you may face lawsuits more often. Nurses and other healthcare professionals carry a higher exposure to medical malpractice.
If you make a mistake on staff placement, you could be held liable for it. For instance, staff replacement risk refers to:
- Placing an unqualified worker
- Failing to provide work
- Failing to perform a screening
A worker could file a lawsuit against the staffing firm claiming that it misrepresented the company that they were placed with.
Staffing agencies carry a lot of risks. No matter how professional your agency is, lawsuits happen. Even with risk mitigation, you have to be prepared. E&O coverage protects against a variety of mistakes.
Social workers deal with risky situations on a daily basis. It can be difficult to choose the best solution for each issue as it arises. They key is to minimize risks as much as possible by identifying the potential risks and determining the best course of action ahead of time.
Risk Planning To Reduce Risks
Risk management in social work begins with analyzing the types of problems that surface with clients. The severity of the issue depends in part on the type of clients you help, but the risks typically fall into two categories.
- Harmful Situations – Harm can be physical in nature, but can also include psychological and emotional situations. The harm can affect both the client and the social worker and may include other outside entities.
- Ethical Issues – By identifying potential ethical problems, the social worker is able to develop strategies for handling these situations.
The risk management plan should include developing boundaries with patients, as well as determining possible treatments. The goal is to minimize the harm and hurt to both parties and to develop the skills to avoid dangerous situations.
Risk management training is a helpful technique to make the client feel more comfortable. It can also help to keep both the client and the social worker safe in potentially dangerous situations.
To keep passenger vehicles and other commercial vehicles safe on the road, the United States Department of Transportation has put several regulations in place. One of these regulations is the rule regarding drive time.
Why Do Truckers Have Regulations on Drive Time?
The regulations on drive time are to ensure that truck drivers are not overworked. If truckers are tired on the road, they are a danger to every other person on the road, including themselves. Many drivers have deadlines to meet and these deadlines could encourage a trucker to drive extra time. The regulations prevent drivers from being able to overwork themselves.
What Are the Regulations?
The Department of Transportation uses duty and work periods to break up the time that a driver works. The work period is the work week, whereas the duty period is the day. Drivers do not necessarily have to work conventional hours and so the regulations focus on hours worked, rather than the time of day or night.
Truckers have a seven-day work period. Truckers can work for seven days but must take a break for 34 hours before every work period. Duty periods last 14 hours. During that 14 hours, a driver may drive for up to 11 hours. However, after eight hours, a 30-minute break is mandatory.
Mitigating risk is one of the top concerns of builders, contractors and others in the construction industry. There are two types of insurance that protect your business from construction-related losses—builder’s risk and contractor’s general liability. These policies protect your building and materials from loss and provide you and your business with liability protection. But what are the differences between Builders Risk vs. Construction General Liability Insurance?
Overview of Builders Risk Coverage
Builders risk coverage protects construction equipment and materials during the construction phase of the project. This type of policy can be purchased by anyone with a vested interest in the construction including, the property owner, builder, contractor or investors. Builders risk protects the insured from claims related to:
Overview of Construction General Liability Coverage
Risks related to accidents, injuries and property damage are covered under a general liability policy. This coverage, purchased by a contractor or construction company, pays medical bills, legal bills, and the cost of repairs for negligence or liability claims related to accidents or injuries that occur at the construction site. Construction general liability protects the insured from claims related to:
- Customer property damage
- Libel, slander or copyright infringement
Talk to an insurance professional about the best ways to safeguard your construction business from liability and damages.
There are billions of Google searches every day. If you have an internet presence, how can you make sure that those who are shopping for insurance find your agency? The answer is search engine optimization or SEO.
SEO is the process of optimizing your business site for search engines. Here is how SEO helps your business.
Drive Traffic to Your Site
If you trust an insurance agency SEO company to handle your business’s marketing, you will see more hits to your website every month. When using Google, most people do not browse past the first page. If your site shows up on the first page of results, then you are more likely to get hits to the site.
Become a Customer’s First Choice
Did you know that over half of all people who search for a service or product are more likely to visit a business that they find through the search? Often, they will visit that business within a day. 28% of all internet users will make a purchase. If a potential client finds your website first and you have all of the insurance options that he or she requires, then it is unlikely that the person will search further.
If your website is one of the top insurance agencies when searched through Google, then you are more likely to benefit from more traffic and more clients.
Allied health is a division of the medical field where the health professions are different from nursing and medical roles. These distinctions include any occupation relying on evidence-based practices and scientific principles to inform careers and decisions that address disease control and prevention, wellness practices, and evaluation or treatment of chronic illnesses or disease. Anyone working in one of the roles can assume the title of allied health professional.
The Nature of the Workforce
There are approximately 80 different professions within the allied health workforce, with about 20 million providers filling the various roles. A large number of these positions work in tandem with traditional healthcare professions. Whether working collaboratively with physicians or operating independently to assist patients with health education, speech, nutrition, or other health and wellness needs, these individuals are subject to the same liabilities, ethics, regulations, and governing principles of others in the healthcare industry.
The Growth of the Field
There is no shortage of positions or demands for the allied health field. Because of the broad categories of opportunity, there is a growing need for allied health professionals in the following areas (though these are not comprehensive of the need):
- Dental hygiene
- Occupational therapy
- Respiratory therapy
- Emergency medical service
These careers do require formal education, and at times, work can only be done under the supervision of more trained healthcare providers. However, for those looking for a rewarding line of work with job security, allied health should be a strong contender.
A comprehensive, effective educational system helps all generations, those living and those to come. Part of this framework includes dedicated and enthusiastic teachers who feel empowered to give their best to the children in their classrooms. To ensure the freest environment for success, educational entities must guarantee teacher legal rights.
Civil Rights for Teachers
The legal dues teachers receive are designed to enable them to work safely and freely.
- Freedom of speech and expression
- Freedom from discrimination
- Freedom to testify against the Board of Education
- Protection from frivolous dismissal
Educators at all grade levels are expected to be responsible and adhere to basic standards set by the entities for which they work. They are, after all, setting an example to the next generation. However, laws clearly state teachers must be given freedoms when at work to use their own personalities and creative abilities to bring out the best in each student.
Insurance for Education
Educational institutions are in a unique position in the legal world, and they and the educators they employ may find themselves facing legal challenges. Specific insurance coverage protects entities devoted to learning and those they hire, freeing them up to deliver quality education.
The right protection, both legal and through proper insurance coverage, helps teachers lead and inspire students to be and do their best.
Many companies would benefit from additional cyber liability coverage above and beyond whatever protection is offered by their general liability insurance, and a good portion of them don’t realize it. Often, when they learn what cyber liability covers, it’s a quick decision to include an expanded coverage policy in the next insurance review, or even to begin a new review to find out how to fit it in. The short explanation is simple, but it doesn’t quite capture the full range of claim scenarios. Cyber liability insurance is coverage against financial liabilities generated by digital activity initiated by your business, including the theft of customer data.
Common Claim Examples
Cyber liability insurance examples include:
- Identity theft due to stolen employee or customer data
- Lost data and breach notification costs
- Employee data theft
- Network security
- Social engineering liability
Many businesses have exposure in these areas due to online customer service portals and storefronts, but even more have them because of internal records stored on computers that could be breached through a network connection. That second group represents the businesses that can easily miss the need for extended coverage in this area. If your business needs new cyber liability coverage or you think it might be time to expand your policy, get in touch with an insurance professional today.
Force placed insurance is just what it sounds like: insurance that is placed on something by force. The entity forcing the policy is the lender of money, and the one who pays for it is the borrower. Your opinion of this type of coverage probably depends on whether you are the party who receives a benefit or the one who must pay a large premium.
Benefits to Lender
Most lenders view force placed insurance auto as the most efficient way to protect their investments when borrowers do not fulfill their obligation to purchase adequate car insurance. By adding forced insurance to the monthly car payment, lenders make sure that they do not lose money should an accident occur.
Detriments to Borrower
Adding a premium to the amount due on a car payment each month may sound like a way to simplify bill paying, but having force placed insurance is rarely a good deal for the borrower. Besides costing more, the policies only cover damage to the vehicle, and not personal liability or injuries to the driver.
The good news for everyone involved is that operating under force placed insurance is not a permanent situation. Once borrowers have reinstated their own auto insurance, they can take steps to remove the policy forced by the lender.
Whether a small bodega or a large retail grocer, protect your business and yourself with a grocery store insurance policy. A comprehensive risk management plan includes a policy that includes property and liability coverage, along with added protections for the risks inherent to the grocery industry.
Liability coverage protects you financially should a lawsuit be filed against you or your business. Slip and fall claims are covered under liability protections.
Property coverage protects your building, the contents and equipment from loss. This includes everything that is needed to operate your store and the inventory you sell.
Food Spoilage Coverage
Spoilage coverage protects you from the loss of perishable goods due to a power outage, contamination in your refrigeration system, or if you have an equipment failure.
Business Income Coverage
Loss of income coverage protects your income if you must suspend operations due to a catastrophic event that destroys your business location. This coverage allows you to continue paying your bills and employees should there be a physical loss of the business.
Whether big or small, grocery store insurance covers the most common risks to your store. Providing protection for both you and your store, this specialized insurance should be an essential component of every grocer’s risk management plan.