Day: December 18, 2013

Strategies to Keep the Workplace Safe

Posted on by shasha insurance

Employers understand that they have a moral and legal responsibility to protect their employees from violence in the workplace. The problem most face is how to effectively execute that obligation.

When it comes to designing a workplace anti-violence strategy, it’s best to create a two-pronged approach that consists of protection and prevention. Start by developing a written policy that clearly communicates a zero tolerance toward workplace violence of any form. The policy also needs to outline exactly what disciplinary measures will be taken against employees who threaten violence. Your Human Resources professional should write this in conjunction with your in-house counsel to be sure that the policy doesn’t infringe on any federal/state laws. If an employee violates this policy, it is imperative that you follow through with the stated consequences.

Other important steps in the fight against workplace violence include verifying application information, conducting thorough background checks and having more than one person in the room during an evaluation or termination meeting.

Employers should also train supervisors to spot potential violence in all its forms including destruction of property and implied threats of violence, and encourage them to report these incidents immediately. Studies have shown that violent workers usually don’t just snap. They exhibit an increasingly violent attitude over time. A supervisor trained to recognize an employee who is beginning to show signs of violence can prevent an assault by referring the employee for counseling. Some of the early warning signs include:

·              Comments about a personal or family history of violence

·              Fascination with guns or other weapons

·              Direct or veiled threats

·              Serious personal or family problems, such as divorce or a death in the family

·              Financial troubles

·              A drastic change in behavior, such as mood swings or outbursts

·              Poor job performance

·              Abuse of drugs or alcohol

·              Lack of social interaction with other employees

·              Signs of paranoia about another employee

·              Repressed anger

In addition to training supervisors, employers can stop workplace assaults by ensuring there is enough physical security on-site. Another important tool is an employee reporting system, such as an anonymous hotline. Supervisors aren’t always the first to recognize growing violence in an employee. A hotline will make it easy for employees to let management know about suspicious or threatening behaviors without fear of reprisals from the violent individual. 

Teens Drinking at Parties = Insurance Issues

Posted on by shasha insurance

Every spring brings with it the prom and graduation party seasons. Unfortunately, these events often become occasions for teens to drink alcohol. Teens at unsupervised parties risk harming themselves and others when they drink. Parents who host these parties may bear responsibility for what happens there and for injuries or damages occurring after the guests leave. While their liability insurance may cover any financial damages, the circumstances of the accident determine which policy will respond, and this will affect how much coverage the parents have.

Assume that a guest consumes several beers at the party, drives off in his car, and gets into an accident, injuring himself and a passenger. The parents of both injured teens sue the parents who hosted the party, who in turn notify their homeowner’s insurance company. However, the policy’s personal liability coverage does not apply to an insured person’s legal liability for:

  • The occupancy, operation, or use of a motor vehicle by any person
  • The entrustment of a motor vehicle by the insured person to anyone else
  • The insured person’s failure to supervise or negligent supervision of any person using a motor vehicle
  • The actions of a minor involving a motor vehicle.

Because of this, the homeowner’s policy will not cover the parents’ liability or defense costs. Their personal auto insurance policy may cover them, however. The policy’s liability insurance covers the individuals named on the policy and household residents who are their relatives for their liability for bodily injury from an accident arising out of the use of any auto. Therefore, even though the parents were not actually operating the vehicle involved in the accident, their policy will cover their liability. In addition, the auto policy that applies to the car involved in the accident (the guest’s insurance, or, more likely, his parents’) will also cover the hosts’ liability for the passenger’s injuries. The hosts’ policy will step in if the owners’ policy either does not apply or pays out its maximum limit of insurance.

Now assume that the guest consumes the beer, but a sober guest gives him a ride home. Rather than go straight to bed, the young man goes for a swim in his parents’ pool and drowns. His parents sue the hosts, alleging that his judgement was impaired because the hosts allowed him to drink. In this situation, the homeowner’s policy should pay for the the hosts’ liability and legal defense. Because this accident did not involve a motor vehicle, and no other policy provisions that would remove coverage apply, the policy will cover this claim.

While one policy or the other may apply to a liquor liability claim, there could be significant differences between the amounts of coverage the two policies provide. Most homeowner’s policies provide personal liability coverage of at least $100,000 for each occurrence; many provide limits of $300,000 or $500,000. Auto policies may provide much less coverage. Most states have laws setting the minimum amounts of liability coverage that an auto policy may provide, but those limits are relatively small. For example, New York law requires minimum limits of $25,000 for injuries to one person and $50,000 for injuries to two or more people (higher amounts apply for death claims.) Should a young person become seriously injured or killed, the damages claimed could well exceed these amounts. Parents should consider buying as much liability insurance as they can afford; they should also think about buying an umbrella policy, which pays for damages that surpass the amounts payable under homeowner’s and auto policies.

Of course, the best course of action is to properly supervise parties, so that everyone has a good time and lives to have another one someday.