Employee Liability

3 Easy Steps to Reduce Product Loss in Warehouses

Product damage in warehouses causes unnecessary losses for a business. Broken or otherwise damaged items are unsaleable costing the business money. There are many ways companies can reduce damage to stock and lower their risk of loss.


Many of the steps businesses take to improve safety in the warehouse also help reduce the risk of product damage. A well-lit area makes it easier for employees to properly stack and store products. A clean floor reduces the risk of slips and falls while allowing forklifts to maneuver throughout the aisles with ease.


Most product stored in a warehouse is on pallets. This means that employees need to fully understand how they work and how to properly secure them on shelving. Stable, uniform stacking lessens the risks of damage. Avoid overloading the pallets by keeping an eye on the weight for each shelf to prevent collapsing.


When all else fails, commercial warehouse contents insurance can help cover those losses without financially strapping the business, according to Newman Crane. Helping with lost income due to damaged items keeps the warehouse operating and delivering goods to clients.

Take these steps to protect products stored in warehouses. Backing up those efforts with commercial warehouse contents insurance further mitigates the business’s financial losses.

Liabilities With Fiduciary Duties

Offering employee benefits is a way to secure the best talent in the field, but these aren’t required for some employers. When federal law requires, companies are bound to meet minimum standards found in ERISA, and failure to do so can result in fines. However, employees can still cause problems for employers that do offer benefits and carrying a comprehensive employee benefits liability insurance policy can help reduce the liability concerns of a suit brought against a company.

Employee Requirements

The federal regulations were established to help protect employees and their contribution to pension plans from company mismanagement, but updates to legislation now require extended healthcare to former employees through COBRA, HIPPA security measures to protect healthcare coverage, and accountability for ensuring more eligibility of coverage through the ACA.

Administration Liability

Through the information presented at https://www.wwspi.com, employee benefits liability plans are often endorsements on a general liability policy. It is designed to address the financial concerns that arise from suits claiming errors and omissions concerns with benefits administration. The concerns may include:

  • Failure to enroll an individual in a healthcare plan
  • Failure to designate a plan beneficiary for an employee
  • Misclassifying an employee and denying eligibility
  • Failure to process a payout claims and denying applicability

When an employee sues for damages and the incurred loss, it can devastate a company’s finances. A liability policy provides the resources needed to fight the legal battles and address settlements.

Basic Trenton NJ Business Insurance Policy Tips

Every business should be insured, as you well know, because you need to protect yourself against all types of litigation and legal concerns. But as a first-time business owner, you may find it hard to navigate through the various options offered by the different agencies, as well as the plans currently available to you. As your business becomes more successful, the risks of operating without having the proper insurance in place often increases. Buying Trenton NJ business insurance is certainly the right choice for your company.

You need coverage for many exposures

You should begin by researching the insurance packages commonly carried by other professionals in your industry. Depending on the nature of your business, you’ll most likely need several of the following policies: general liability, commercial property insurance, professional liability, product liability, business interruption and worker’s compensation.

Commercial auto is needed whether you have a fleet of vehicles or even just a couple used for businesses purposes. Speaking with fellow entrepreneurs who work under similar circumstances may help you to determine some of your own needs, but keep in mind that commercial insurance agents are well equipped to offer you a Trenton NJ business insurance policy since they are familiar with a wide range of business needs. They can also help provide insight into what may be best for your company at the present time.

For affordable coverage for your new business, it’s often best to start with a business owner’s policy (BOP), a type of policy that combines both property and general liability insurance, and typically covers events that cause suspended operations, property damage or lawsuits. Depending on the type of business you own and the number of employees you have, you may need additional specific types of insurance, but a BOP will at least provide basic protection from common business losses. It’s important that small business owners have a conversation with an insurance agent about what a BOP policy does and doesn’t cover.

Insurance is the single greatest expense for many independent business owners. The cost of insurance varies for every business, but some providers specialize in insuring specific types of businesses, and can determine whether your business’s needs call for additional coverage types.

Protecting Your Staff with Workers Compensation Programs

You know that the stakes are awfully high for workers in nursing homes simply for the fact that they face the risk of injury due to all of the strenuous duties and tasks they perform every day. These injuries can often be the result of activities performed in their regular service to patients residing at their facility.

Various nursing home Workers Compensation Programs allow you to provide insurance to your clients that face the concern of losing staff to injuries, sometimes severe enough that they may miss work for weeks or even months. This coverage is not only mandatory, but it provides the type of financial and medical support those injured individuals will rely on during their recuperation and, with any luck, a subsequent return to the workplace.

Types of injuries covered by workers comp insurance

Provided that the injury occurs at work, or while on the job, most are covered under any standard workers comp claim. Musculoskeletal injuries are rather common, and these can often occur as a result of a simple slip and fall accident. For example, falling on a floor that was recently mopped can lead to sprained ankles, torn muscles, and even bruised tendons.

Nurses and other staff responsible for carrying residents, often in a fragile state and especially at awkward angles, can easily become injured. Such activities can result in back strains, herniated discs, and over-extension of certain muscles, plus there is the additional risk for major back problems and other musculoskeletal problems.

Exposure to pathogens and other infectious agents

The American Nursing Association estimates that as many as two out of three nurses report being accidentally stuck with needles at work. This raises concerns about the possibility that a syringe that may contain viruses, bacteria, or other pathogens could puncture the skin, and this could quite possibly put that nurse at risk for serious illness. Nurses are also asked to handle biological waste, as well as perform work with medicines and chemicals that could cause an adverse reaction.

There are also concerns about psychological issues developing. This could be due to long hours, lack of natural sunlight at some facilities, and even poor eating habits, all of which could produce any number of psychological ailments, including anxiety, depression, eating disorders, and even problems related to sleeping.

Therefore your clients operating nursing homes need the valuable protection of Workers Compensation Programs to deal with all types of issues related to the health of their staff.

Hospitality Insurance Programs Help to Reduce Exposures

Your customers rely on you to give them a nice experience whenever they enter your establishment. Whether you run a restaurant, a bar, or a nightclub they expect to be entertained, and to be provided with a relaxed atmosphere where they can socialize after their work is all done. However, as an owner of one of these establishments, you must be prepared to deal with any number of situations that could turn a nice night out into bad situation.

A kitchen fire, food borne illness, a simple slip and fall on a wet floor can all lead to injuries and perhaps a lawsuit. There are many serious considerations that require you to contact any number of hospitality insurance programs before you open your doors for the first time. The time to get coverage is before you actually need it. This is especially true for an industry stemming with issues resulting from alcohol consumption, which is unique to a small sector of businesses.

Hospitality venues require coverage for several concerns

Insurers often devote an inordinate amount of time studying the legal issues that operators and owners of these types of enterprises have to deal with. They take a sincere interest in determining the inherent exposures that you may face and try to find viable solutions to these risks and exposures.

These are the sort of issues that require insurance agents and brokers who cater to this industry to take an in-depth look, because without a specialized approach to managing hospitality locales, your hospitality insurance coverage could be filled with gaps, and that could potentially leave you underinsured at the worst possible time.

You need to take the time to meet with your agent and thoroughly review every aspect of your business in order to determine the broadness of coverage required. This will certainly help ensure that you are fully covered for any and all occurrences. This will also help to promote the type of relationship and services expected from your broker.

The hospitality industry faces new and growing challenges every day. These challenges must be met head on, and finding solutions to your own unique circumstances will help to complete the process. Most importantly, you’ll need to continue to operate in this competitive industry to the best of your ability, and securing coverage from hospitality insurance programs will help you to accomplish those goals.


Benefits Administration Negligence Can Trigger Claim

The specter of employee liability can cross the threshold of any company’s door. To mitigate the many risks that are inherent in doing business, a policy can be purchased to protect your company from instances of negligence in the course of administering their employee benefit plans. Generally, acts of administration may be defined as the provision of advice, and/or the interpretation of coverages-something that can happen any day, every day at work. Such negligence may also occur when an employer (or the employer’s accountant, actuary, trustee, or recordkeeper) makes administrative errors in determining the amount of contributions to benefits that the employer and/or the employee should be making. In many cases, this coverage is added as an endorsement to your existing coverage such as the commercial general liability policy (as it is often less expensive to add the endorsement onto another policy) yet it can be purchased on a standalone basis as well. It’s a good thing, too-considering how mistakes can happen.

Consider these typical failures which can result in claims

  • Failing to properly enroll new hires in the company’s group health plan within the requisite timeframe of the automatic enrollment period, which could leave them without medical coverage-a disastrous event. Should this happen, the new hires would have to then qualify for coverage by successfully passing the underwriting questions and requirements established by the insurer in order to be added to the employer’s group medical insurance program. In the event any of the new hires have medical issues-e.g., morbid obesity, heart disease, chronic illnesses, etc.-they could end up with severely restricted coverage or even none at all.
  • Failing to provide complete and accurate information to employees regarding all of the coverages and options that they have available to them via their employer
    sponsored benefit plans.
  • Failing to offer departing employees (whether departing voluntarily or through termination) continued benefits through COBRA for a defined period of time after they leave the company, as required by federal law.

Don’t go it alone on this one

Talk to your professional insurance agent about employee liability and coverage needs so that your agent can tailor a policy to meet the needs of your business and help ensure your business and your employees are well protected.