Risk Concepts Insurance Brokers, Inc
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March"At Risk" Newsletter

Importance of EPL Coverage   

 

epl

 

Sexual harassment, ethnic discrimination, emotional intimidation, jokes in "bad taste" - these are all things that happen every day in the workplace - regardless of a company's size or

the sophistication level of the its Human Resources program.  As employers, we would like to believe that our employees will conduct themselves in an "adult" manner that doesn't harass, discriminate or otherwise cause discomfort to a co-worker, customer or anyone else.  Since we can not directly control how other people act, we are often at the the mercy of their self-control.  States such as California hold an employer responsible for "playing cop"and despite the employer's best intentions, they are often "blind-sided when an EEOC complaint and/or lawsuit arrives alleging a "wrongful employment practice".

 

The attached article is well worth reading to familiarize you with the risks and why you should consider insuring them.  Employment Practices Liability insurance is an inexpensive way to protect yourself in a legal environment where just being an employer means that the deck is already stacked against you.

 

Please let us know if we can assist by answering any questions and/or by providing a no-obligation premium indication.

 

 

Please click here to view article

 

 

Do you need pollution or environmental insurance?

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As you are probably aware commercial general liability insurance policies exclude coverage for pollution related exposures.  These exposures can include mold, fungus, paint, lead, asbestos and many others. 

 

Some potential exposures are:

 

 

·         Vandalism on job sites that can cause release of paints, stains, adhesives and others.

·         Errors due to maintenance of heating, ventilation and air condition equipment that can release airborne bacteria.

·         The spreading, transportation or deposal of knows or unknown contaminated water, soil or other materials.

·         Various lubricants, oils and other fluids stored at your facility or at off-site job locations.

·         Spills or emissions from incomplete line hook-ups that cause spills or emissions.

·         Vacant properties where water damage can cause mold growth.

 

Some things to consider when addressing your coverage needs:

 

 

·         What supplies and materials do you receive or store?

·         What process or services do you provide off-site at customers facilities?

·         What kinds of risk do neighboring properties, or 3rd parties, represent?

·         Do you transport products to or from your facility?

·         Are there underground or above ground storage tanks on your property, or on sites you might be working?

 

Some coverage basics:                                                         

 

 

·         Clean up costs to your facility.

·         Clean up costs to 3rd parties due to property damage and bodily injury.

·         Business Interruption expenses due to a pollution event.

 

Please click here to view article  

 

 

 

"Integrity Builds Trust - Trust Builds Loyalty"

CA DOI License OE75995

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Risk Concepts Insurance Brokers, Inc
 3732 Mt. Diablo Blvd., Ste 375 | Lafayette | CA | 94549
www.rcibrokers.com

 

Phone: (925) 283-8200 Fax (925) 283-8215