Regulation & Public Policy

When businesses treat workers as nonemployees, yet they may qualify as a common-law employees, there are significant risks.

Promoters often forget that each captive must have legitimate risks and properly priced premiums.|Promoters often forget that each captive must have legitimate risks and properly priced premiums.

The focus is likely to be on the Americans with Disabilities Act and the Genetic Information Nondiscrimination Act -- and litigation should increase.

This legislation could, effectively, end the staffing agency model by making it difficult for most small businesses to use temporary employees.

California -- no surprise -- has the highest rate of lawsuits. Illinois, Alabama, Mississippi and the District of Columbia are also high-risk. 

The report may in hindsight be regarded as more momentous an occasion for the industry and its regulation than the muted initial reaction would suggest. 

While the intent was to restore trust, the outcome was to force insurers to undertake massive programs of data management at costs that have exceeded $200 million.

Buyers beware! Carefully consider your client’s employment practices liability coverage and ask yourself: Are their limits adequate?