Over the years, I have found that our preferred carriers don’t always offer the coverage we need for our insureds. As a result, we shop for coverage in the excess market for general liability, professional liability, and cyber liability coverages to name a few. While...
Today’s world: Employment practices exposures
Employers must follow myriad federal, state and local employment-related laws—and a lack of compliance can lead to an employment practices claim. Additionally, employers are exposed to claims for breaches of contracts and various workplace torts, like invasion of...
The cannabis conundrum in New York
In the first episode of the Emmy award-winning television series Succession, viewers meet Cousin Greg when he smokes marijuana before his first day of work. He gets fired after the marijuana impairs his ability to interact with families while wearing a mascot costume....
Employment practices liability, employment benefits liability & employers liability—Do you know the difference?
It’s crucial for agents to understand the differences between employment practices liability, employment benefits liability, and employers liability. Agents need to know about these three arenas to protect their insureds, and potentially themselves, too. Employment...