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...rker productivity. The State of California Telecommuting Pilot program, a stat.... Don't rely on the telecommuter's Homeowners policy - most Homeowners policies exclude Liability cover...

...his practice has been around in California for a number of years. Unfortunatel...ing enough coverage,' Crine said. 'Homeowners have more at stake now, however,...

...e passage of Proposition 103 in California. In that vote the public said, in ..., 14 million households are buying homeowners insurance without an insurance a...

...clients can call from Hawaii or California when they're on vacation with quest...

...e of the good driver market in California on a direct writer basis. If you c... insureds shortly after moving to California and experiencing the sticker-sh...

...s. The agent was horrified. The California state legislature required credit a...it reports but also credit scores. California had inadverdently created a new ...

...e Fallbrook Agency in Temecula, California, says: "The biggest mindset shift I...ales have increased by 170%!" (And homeowners in Texas are lucrative accounts ...

... have access to fax machines, copiers, secretarial services, conference rooms, and other amenities. BENEFITS Telecommuting helps employers in many ways: Reduces overhead. Telecommuters who work at home don't need office space, thus reducing the company's space requirements and energy consumption. Moving employees to company-owned satellite offices may also bring cost savings due to lower rents in suburban areas. Increases worker productivity. The State of California Telecommuting Pilot program, a state-sponsored study of telecommuting among state workers, reported that telecommuting increased productivity by 10% to 30% . Reduced or eliminated commute time, reduced stress, and fewer distractions may account for this. Enhances employee retention. The California Telecommuting Pilot Program found that telecommuting helped the employer retain the services of mothers during maternity leaves. Reduces worker stress. Telecommuters in the California ... service more difficult, particularly when telecommuters are located away from major metropolitan areas. You can avoid some problems by providing telecommuters with training in basic equipment maintenance and repair tasks. Check equipment warranties and service contracts first; service provided by unauthorized repair people will void some warranties. Expect to spend between $1 ,000 and $2 ,000 per year on maintenance. Don't rely on a telecommuter's Homeowners policy. The telecommuting agreement should also address insurance issues. Most Homeowners policies exclude coverage for business property (even if owned by the insured) unless it's specifically listed on the policy. A broadly worded Business Property policy automatically covers the company's personal property (basically, immovable property, or everything but real estate), no matter where it is. As a practical matter, however, you ...

... need to avert catastrophe. Over the last 20 years, wrongful employment practice claims have risen at a rate 18 times faster than the proliferation of the Federal Court docket. In just four years-fiscal years 1990 to 1993- the Equal Opportunity Commission (EEOC) and the Fair Employment Practices Agencies (FEPAs) have recovered over $735 million from employers for violations of employment law. In 1994, a California State court in Los Angeles awarded nearly $90 million to two former Hughes Aircraft engineers because of discrimination. Even the largest law firm in the world found itself the target of an embarrassing sexual harassment suit. Today's businesses face not only the traditional obstacles of competition and keeping up with advances in technology, but must now face a whole new breed of potential adversary: one's own workforce. Even ... of insurance specifically designed to protect against loss incurred in litigating and settling wrongful employment practices liability claims. The generic name for this new coverage is Employment Practices Liability insurance (EPLI) . It should be noted that insurance coverage for some kinds of wrongful employment practice claims may be available under standard business policies, such as the Commercial General Liability policy or even, to some extent, Personal Umbrella or Homeowners' policies. But relying on these sources for protection is likely to lead to disappointment or, at minimum, a protracted coverage dispute with your insurer. For several years, it has been the practice of insurers to incorporate language into these policies that eliminates or severely restricts coverage for employment-related claims. While some attempts at seeking coverage under these policies have been successful, insurers usually will vigorously deny ...

...s of employment law. In 1994, a California State court in Los Angeles awarded ... some state laws, such as those in California, will hold the corporation respo...