Risk Management

The great majority of employers in California should at least seriously consider the addition of an EPLI policy, but not just any policy will do.

The shift to a zero injury culture instills a true belief that injuries and fatalities are not acceptable, should not be condoned, and cannot only be reduced, but actually prevented.

It is likely at least one half of the employers in California who think they are at-will employers are not.

If an employer's risk insurance advisor relationship does not have the interest, resources, knowledge and experience to be a coach and leader for a comprehensive safety program, it should be time to find a new relationship.

As the number of captives, captive managers and risk distribution pools continues to grow rapidly, the opportunity for a scandal in the captive industry also grows.

There is no question today that alarm intrusion systems are often one of the first lines of defense against insured losses from crime.

Some forward-thinking contractors have gone beyond seeing the direct link of profitability from safety and risk management to establishing safety as a profit center. A select few have captured even greater value by making safety part of their brand image.

If a company adds a commercial crime package to their business owner's policy, they can be reimbursed for fraudulent transfers, employee theft, forged checks, and other dishonest acts that might happen during the course of business.|