Monthly Archives: March 2014

USING SERVICE DOGS AT WORK

The Americans With Disabilities Act (ADA) defines service animals as dogs that are individually trained to do work or perform tasks for people with disabilities. Examples include guiding the blind, alerting the deaf, pulling a wheelchair, alerting and protecting a person who’s having a seizure, reminding a mentally ill person to take prescribed medications, calming… Read more »

HOW NOT TO RESPOND TO SEXUAL HARASSMENT ALLEGATIONS

The case of In re: Beth V. New York State Office of Children & Family Services (OCFS)  involved a decision by the New York State Workers Compensation Board that settlement proceeds from an employment lawsuit against OCFS should offset any Comp payments based on the same set of facts. What’s significant about this case was… Read more »

THREE WAYS TO REDUCE WORKERS COMP EXPOSURES

Last October, while conducting a webinar on Creating an Injury Prevention and Management Program That Works, I asked the attendees three questions: Do you conduct pre-hire fit for duty exams? More than two in three attendees either didn’t spend the time or money on these exams, weren’t aware that they were available, or didn’t know… Read more »

EDITOR’S COLUMN: THE ROLE OF HR IN A KNOWLEDGE ECONOMY

I recently read George Gilder’s Knowledge and Power, a powerful and profound book. Gilder’s bottom line:” Knowledge is power today. Knowledge is wealth today.” The book uses the word “entropy” a lot. Gilder defines entropy as “a measure of surprise, disorder, randomness, noise, disequilibrium, and complexity.” Its economic fruits include creativity and profit. Its opposites… Read more »

How can personal liability affect your company bottom line?

Personal automobile liability, homeowners’ liability coverage, watercraft, aviation, and umbrella liability are designed to cover all the risks associated with day-to-day hazards. But, many times, entrepreneurs are not as vigilant with personal risk management as they are with their business’. So ask yourself: do you want your partner’s 17 year-old son randomly choosing your next… Read more »

How do environmental concerns expose your Directors and Officers coverage?

Directors and Officers (D&O) coverage protects company and individual assets from claims regarding the management professionalism of the upper levels of companies. The leading cause of D&O claims and payouts concerns financial reporting. The books don’t have to be cooked necessarily, as they just need to be inaccurate to provoke a claim. Relatively new accounting… Read more »

How Do Umbrella Policies Extend and Broaden Underlying Policies?

What do umbrella policies do? Insurance professionals can’t help themselves. We rely on wonk-ish diatribes to describe umbrella policies because they are technical in nature. So let’s try to simplify. Most companies buy insurance because they are required by law. Workers’ compensation and automobile liability allow companies to hire employees and use public highways. If… Read more »

CONSTRUCTION DEFECTS CLAIMS: BE PREPARED!

Before taking calculus, it’s probably a good idea to define your terms. The same principle applies if your business faces a construction defect claim. Insurance experts define a “construction defect” as a failure of a structure to perform as expected in a way that causes harm to the work itself and/or other property or work… Read more »

THE ABCS OF CPVC

Chances are that you’re using chlorinated polyvinyl chloride, (CPVC) – a thermoplastic material in pipes and related products—because it’s less expensive and easier to install than copper or iron piping.  Failure of CPVC components can lead to extensive water damage; and repairs can be costly and complex because these pipes and fittings are located above… Read more »