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...s of HOA’s because they maintain community appearance, have recreational amenities and are low maintenance...

Thousands of agents and brokers trust K&K for specialty programs, experienced underwriters and superior claims resolution. K&K Insurance continues to lead the way by offering innovative coverage for a unique range of clientele.

K&K's bowling and entertainment center program provides coverage for bowling operations and associated exposures, including arcade/video games, food concessions, liquor exposure, bars/lounges, restaurants, special events and tournaments. Premium is based on gross receipts and offers competitive pricing for facilities depending upon individual exposures.

From sun and sand to riding horseback, K&K's resort program provides vital business protection for a variety of destination and vacation resorts and guest ranches. The resort program is for operations that offer hotel, lodge or cabin rentals and include full service.

From sun and sand to riding horseback, K&K’s resort program provides vital business protection for a variety of destination and vacation resorts and guest ranches. The resort program is for operations that offer hotel, lodge or cabin rentals and include full service restaurants, bars, spa services and many leisure activities

...fieldworkers in Mendota, a rural community 35 miles west of Fresno dubbed the ...

In addition to the traditional paper application process for complex risks, K&K offers agents instant access to coverage online for programs that generally require less underwriting. Agents using our online application process earn commission without the hassle of completing paper applications and waiting for a response.

Insurance producers now have access to our comprehensive Franchised RV Dealership program joining the motorcycle, personal watercraft, snowmobile and ATV industry dealerships. Our goal is to make it easy for licensed producers to work with us. No prior appointment or agreement is necessary to submit applications for a coverage quotation.

In addition to the traditional paper application process for complex risks, K&K offers agents instant access to coverage online for programs that generally require less underwriting. Agents using our online application process earn commission without the hassle of completing paper applications and waiting for a response.

Although many women work through their pregnancies without difficulty, some of them with physically demanding jobs or complicated pregnancies might seek accommodation at some point. However, the Americans with Disabilities Act (ADA) does not define pregnancy as a disability or disorder, but as a natural process related to reproduction. If pregnancy is not a disability, are pregnant women entitled to accommodation? What about women with pregnancy-related impairments? Are they covered by the ADA Does the Pregnancy Discrimination Act (PDA) entitle pregnant women to the accommodations they need to continue working during pregnancy? Are there state laws that entitle pregnant women to accommodation? These are the types of questions are being examined by the National Women's Law Center (NWLC) and other women's legal organizations. According to NWLC, both the ADA and the PDA often require reasonable accommodation for pregnancy. Let's start with the ADA. The regulations interpreting the ADA Amendments Act (ADAAA) state that pregnancy-related impairments can meet the definition of disability if they substantially limit a major life activity. Pregnant employees with impairments that meet the definition of disability will be entitled to an accommodation under the ADA. Because the ADAAA has broadened the definition of disability to include many temporary and less severe impairments, more workers with pregnancy-related impairments will now qualify for direct coverage. In addition, the interaction between the PDA and the ADA will often result in a heightened duty to accommodate even pregnant employees who do not meet the ADA's definition of disability. NWLC argues that the PDA requires employers to treat pregnant women at least as well as other employees with similar limitations in their ability to work. Because the ADA requires employers to accommodate a wider variety of medical conditions, pregnant women will often have similar limitations to people who are entitled to accommodations under the act - which means that they'll be entitled to accommodations as well. For example, the Equal Employment Opportunity Commission (EEOC) has made it clear that the ADA requires reasonable accommodation of a temporary back injury that leaves an employee unable to lift 20 pounds for a few months. Because pregnant workers must be treated as well as employees with similar work limitations, a worker who has been instructed not to lift weights of more than 20 pounds because of her pregnancy must also be accommodated, according to NWLC. To ensure that employers' legal obligations to provide accommodations are unmistakable, the NWLC and a broad coalition of groups from the health, disability, and women's rights communities are urging Congress to pass the Pregnant Workers Fairness Act (PWFA) - draft legislation which states that pregnant women are entitled to reasonable accommodations that can be provided without undue hardship to an employer. These are the same types of accommodations that are available to people with disabilities under the ADA. In addition, some state laws already give pregnant workers' rights to workplace accommodations, as described in a recent report by Equal Rights Advocates. Accommodating pregnant employees is also in the financial interest of employers. The NWLC provides several sound business reasons why employers should accommodate their pregnant employees in the same way that they do for workers with disabilities. Data show that the costs of these accommodations are likely to be minimal, and that providing them will have bottom- line benefits to the employer: including reduced workforce turnover, increased employee satisfaction and productivity, and lower Workers Compensation and other insurance costs. Despite the legal and financial arguments, some employers are still not accommodating pregnant employees. This is why the EEOC recently identified "accommodating pregnancy-related limitations under the ADAAA and the PDA" as a priority area for itsenforcement efforts through 2016. If you are an employee who was not accommodated during your pregnancy or you believe you were discriminated against on the basis of pregnancy, the NWLC would like you to share your story. Employers interested in sharing their experiences accommodating pregnant employees or in consulting about best practices are also invited to contact NWLC, at [email protected]. Keep in mind that when it comes to providing accommodation ideas, Job Accommodation Network (JAN) consultants will brainstorm accommodation ideas for anyone with any type of limitation, including limitations related to pregnancy, whether or not the ADA covers the condition. So, if you're an employer trying to accommodate pregnant employees, or a pregnant employee looking for accommodation ideas to offer your employer, feel free to contact JAN for assistance! -Linda Carter Batiste, J.D., Principal Consultant with comments from the National Women's Law Center P.S. Speaking of job accommodations, HRThatWorks members can join us for a joint webinar with JAN on Providing Accommodations for Employees with Mental Health Impairments, to be held March 20th at 1PM EST by going tohttps://www1.gotomeeting.com/register/324256449.