Protecting Your Interests and General Liability Insurance in Florida

No business owner who understands that when a liability issue arises, no matter how much money you save by not carrying the right amount of insurance, the end result is that you’ve placed your business at risk, and quite possibly your personal finances as well. General liability insurance protects your business from claims by any person or business’s claims of bodily injury, along with any associated medical costs and property damage. Your business should not be treated like a casino, because you can’t afford to take that gamble.

Unfortunately businesses are being sued all of the time for things like negligence, libel, slander, property damage, bodily injury, and copyright infringement among other things. And businesses can even be sued in instances when they’ve done nothing wrong. One of the best ways to avoid a lawsuit is to run the safest operations possible, but that still doesn’t mean that an accident or some form of negligence isn’t likely to take place. This is why smart business owners make a point of purchasing general liability insurance in Florida as soon as they are up and running.

Improve safety and reduce risk

Running a safe business is the best type of risk management practice that money can buy. Conducting safety meetings, discussing past issues and finding solutions moving forward will reduce the number of accidents and errors, which is a type of insurance you don’t necessarily have to pay for. Make sure that when an incident occurs, it is fully investigated and documented. This way, you’re likely to avoid a repeat of the issue, because generally people learn from their mistakes.

Things covered by a commercial general liability policy (CGL)

General liability insurance offers some of the broadest business insurance coverage money can buy. It may be included in a business owner’s policy (BOP) or is also available as stand-alone coverage. A few of the risks a business could face that a CGL helps to protect against are bodily injury or property damage, reputational harm, advertising errors, medical payments, and any damages to the premises you are currently occupying. You also have an option to add a business entity or other individual parties to your general liability insurance in Florida, so speak to an agent about coverage options today.

Equal Employment Opportunities and Employment Related Practices Insurance

Due to the alarming number of claims related to employment practices, owners and managers need to become more proactive in dealing with, and preventing, discriminatory actions from taking place at their companies and offices. Employment related practices insurance provides some much needed protection, and Equal Employment Opportunity Commission (EEOC) laws must be adhered to at all times.


Train Human Resources managers and all employees on EEOC laws


Implement a strong EEOC policy that is embraced at the top levels of the organization.

Fostering open communication and early dispute resolution may minimize the chance of misunderstandings escalating into legally actionable EEOC problems. Establishing neutral and objective criteria to avoid subjective employment decisions based on personal stereotypes or hidden biases should also impact the number of complaints substantially.


These policies can go a long way in stemming the tide of complaints by creating an environment where such instances are kept to a minimum, or hardly ever occur at all.


Recruitment, hiring, and promotion policies


Recruit, hire, and promote with EEOC principles in mind, while implementing practices designed to widen and diversify the pool of candidates considered for employment openings, including openings in upper level management.


Conducting self-analyses to determine whether current employment practices disadvantage people of color, and make sure they are consistently applied when choosing among candidates. Analyze the duties, functions, and competencies relevant to job openings and create objective, job-related qualification standards related to those duties and functions.

Also make sure promotion criteria are made known, and that any job openings are communicated to all eligible employees.


Review the terms, conditions, and privileges of employment


It is important to protect against retaliation and provide clear and credible assurances that if employees make complaints, or provide information related to complaints, the employer will protect employees from retaliation. Adopt a strong anti-harassment policy and periodically train each employee on its contents. Be sure to follow through and enforce it. The policy should include:


  • A clear explanation of prohibited conduct


  • Clear assurance that employees who make complaints or provide information related to complaints will be protected against retaliation


  • Protect the confidentiality of harassment complaints to whatever extent this is possible


  • Institute a complaint process that provides a prompt, thorough, and impartial investigation, and


  • Ensure that the employer will take immediate and appropriate corrective action when it determines that harassment has occurred


These are areas of concern that, when properly addressed, should reduce the number of employment related practices insurance claims regarding discrimination in the workplace.


photo credit: Northern Ireland Executive cc

How to Make Your Business Stronger Through Employment Agency Insurance

It should be the goal of any business to be constantly striving toward greater strength and resiliency, regardless of the industry in which the business happens to operate. This is clearly the case in the staffing industry, in which there are many unique qualities that present dilemmas of varying difficulty. One of the simplest ways to bolster the strength of your staffing company is to select the most ideal employment agency insurance, as this can go a long way in protecting your business from a number of the risks that you may face.


The Value of Proper Protection


Every business is in need of protection, and employment agency insurance is an excellent way to protect your staffing business from the many risks that you are confronted with in the staffing industry. With the right protection, you can enjoy enhanced strength and resiliency.


Choosing the Ideal Provider


Identifying the areas of your business that are in need of protection can be very trying, so it is extremely beneficial to work with a company that has specific experience in the staffing industry when it comes to providing employment agency insurance. The company that you select as your provider should be able to identify your specific areas of need while also being able to provide comprehensive insurance products that protect your business from the many risks that you may encounter.


photo credit: EWEA cc