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Helping Your Workers Care for Aging Parents

As the costs of nursing homes and assisted living services soar, the financial burden of paying for those services often falls on the elderly individual's adult children. Many families cannot afford these services, so they are opting for their ageing parent to live with them. Unfortunately, as those parents get older and need more care, it can take a toll on their adult children and has forced many of them to quit their jobs and take care of their parents full time. A recent survey by Unum Insurance Company found that 39% of caregivers end up quitting their jobs to…

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Property Coverage for Businesses with Changing Needs

Some businesses have very stable property insurance needs as the value of their non-building assets, equipment and inventory doesn't vary much during the year. Other types of business experience wide variations in the value of their property. Florists tend to carry more stock around Valentine's Day and Mothers' Day than they do on most days of the year. Many retailers earn most of their profits during the holiday shopping season, so they keep larger amounts of stock on hand during that period. Warehouses and manufacturers may have variable amounts of product on their premises with vastly different values. Depending on…

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Controlling the Risks of Business Vehicles

As the cost of commercial auto insurance continues climbing at unprecedented rates, any business with vehicles has to make sure that it has procedures and policies in place to reduce the chances of its drivers causing accidents. When a business entrusts a vehicle to an employee, it is literally putting its assets on the line. You should set these no-exception rules for drivers: Always wear seat belts.No driving while under the influence of alcohol or drugs.No mobile phone use while driving. You should also set guidelines for employees to follow when they use company vehicles, such as: Limit their non-business…

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Annual Insurance Review is Crucial to Your Growing Business

One of the biggest mistakes owners of growing businesses make is not keeping up their insurance coverage to account for the expanding assets and potential liabilities. Let's say you started your business 10 years ago with just a small space and computer desk. Today, you have an office full of employees and equipment. If you still have the same insurance coverage as you did a decade ago, or even three years ago, the chances are high that you are underinsured. To make sure you have all of your assets covered, you should review your business insurance program annually. Circumstances change,…

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Alert for Baby Boomers: Don’t Outlive Your Retirement Money

If you are a baby boomer, you may recall The Who's Roger Daltrey singing about his fervent wish to die before he got old. Ironically, he had no idea back in 1965 when that song was released how much of a problem longevity would be for his generation. According to Conning Research & Consulting, a provider of insurance research located in Hartford, Connecticut, baby boomers are facing changing times because productivity gains have slowed and future wage increases have been relatively stagnant despite the hot job market. There is also the question of the viability of the Social Security and…

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Retaliation Cases Against Employers Continue Growing

Retaliation Cases Against Employers Continue Growing

The federal Equal Employment Opportunity Commission is seeing more and more retaliation complaints by U.S. employees, with such charges accounting for 47% of all charges in 2017. That's compared with 37% in 2011. Employment law attorneys say that the increase is in part due to the fact that the employees who bring retaliation charges have a higher degree of success than those that bring a regular discrimination charge. There is a lower standard of harm that must be proven for a successful retaliation lawsuit thanks to the U.S. Supreme Court case, Burlington Northern & Santa Fe Railroad vs. White. While…

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