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... and other questionable items on their application. The employment application should include a statement about at-will employment as a defense against potential employee contract claims. Have employees sign an agreement that any disputes concerning hiring, termination or wages be resolved through binding arbitration before a retired Superior Court Judge. REVIEW OF CANDIDATES' QUALIFICATIONS: Besides the standard job interview, employers should consider the following ways of checking a candidate's qualifications: Drug Tests: Many problem employees have drug or alcohol problems. Credit Check: A credit report will reveal if the applicant ... lawsuit, an openly gay grocery store night manager claimed he was wrongfully terminated because of upper management's discriminatory anti-gay practices. The store denied the allegations and said the manager was fired because he violated the store's zero-tolerance policy on sexual harassment. He was suspended after a stock clerk accused him of trying to fondle him; other employees provided signed statements accusing the manager of conduct ranging from mild sexual innuendo to fondling and propositioning employees. Even if the store wins the suit, it will have lost hundreds of thousands of dollars on lawyers' ... law firms that have expertise in employment litigation. EPL insurers are likely to offer the most favorable rates to clients who implement best practices hiring policies. Marcus Covas is editor of riskVue, a free monthly online magazine from Warren, McVeigh & Griffin for risk and insurance professionals. Login or Register (for FREE) to gain access to thousands of other great articles. Need more reasons to join? Need insurance for you, your business or your family? Get quality appointments - Save yourself a whole lot of time & money when ...

...itration before a retired Superior Court Judge. REVIEW OF CANDIDATES’ QUALI...nsurers offer Employment Practices Liability (EPL) insurance, which provides ...

... certainly end up in a negative position. Never sign a driver exclusion on behalf of a client. Don't fill out voluntary audit forms or sign one in the client's behalf and then send it to the carrier. Your case will be lost before you ever get into court! It's questionable how responsive your E&O carrier might be. Even if they defended you, they probably wouldn't renew your coverage, and you' find it very difficult to obtain another market. 13. Confirm all binders in writing to the carrier and ... your part. Any time that the values exceed the provisional amount, contact the insured to see if there have been changes in the operation, unusual growth, and so forth. Once you learn what's going on, let the carrier know. It might have a clerk who isn't monitoring the provisional amount carefully. If you rely on the carrier to point this out to you, you're risking an E&O claim. Monitor audits on monthly, quarterly, semi-annual, and annual policies as well. The same reasons for monitoring ... of exposure are rapidly expanding, and the high cost of everything , combined with increasing consumer awareness, will only aggravate the problems associated with running an agency. You can take steps that will lessen your exposure to E&O . Many are common-sense activities that any professional needs to do anyway. Here are 25 tips toward E&O-proofing your agency: 1. Never, never write a Commercial account without inspecting the risk. This applies to both new business and renewals. If the account is too small to inspect, you ...

... writ, injunction or decree of any court or administrative agency to which the...olicy No. LP7106067, with limits of liability of not less than $2.5 million pe...