One-third of Workers Are Sleepy, Leading to Safety Issues and More

Posted on: October 30th, 2019 by Leaders' Choice Staff No Comments

More than 35% of workers in the U.S. are not getting enough sleep, a new study has found. That can lead to serious workplace safety issues, especially for occupations that use heavy machinery, people who work in factories or warehouses, construction or as drivers. Among workers in other occupations it can lead to costly mistakes, […]

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As Cyber Threat Mounts, More Companies Take Measures

Posted on: October 16th, 2019 by Leaders' Choice Staff No Comments

As attacks on businesses’ networks continue increasing at unprecedent levels, cyber risks have become the top concern among organizations of all sizes for the first time, according to a new survey. The “Travelers Risk Index” found that 55% of executives surveyed said they worry “some” or “a great deal” about cyber risks. That’s more than […]

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The Importance of Employment Practices Liability Coverage

Posted on: September 23rd, 2019 by Leaders' Choice Staff No Comments

Every employer, no matter how small, faces the specter of being sued by a past, present or prospective employee at some time. In fact, such employment practices claims are widespread – so much so that most businesses are much more likely to have an employment practices liability claim than a general liability or property loss […]

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New Experience Rating and Physical Audit Levels Set

Posted on: September 11th, 2019 by Leaders' Choice Staff No Comments

Starting in 2020, the threshold for California employers to be eligible for experience rating (X-Mod) has been reduced by order of the state insurance commissioner. Commissioner Ricardo Lara in September approved the recommendations by the Workers’ Compensation Insurance Rating Bureau to lower thresholds for determining eligibility for experience rating and when a carrier needs to […]

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As Wildfire Risks Increase, Insuring Businesses More Difficult

Posted on: August 27th, 2019 by Leaders' Choice Staff No Comments

Business property coverage is getting more difficult to come by for operations located in areas that are susceptible to wildfires. The devastating wildfires of the last few years, along with the thousands of homes and businesses that have been burned or damaged due to these events, has resulted in insurers becoming more selective about the […]

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A Lesson in Timely Claims Reporting

Posted on: August 14th, 2019 by Leaders' Choice Staff No Comments

A recent appeals decision denied coverage to a company on its directors and officers (D&O) liability insurance policies for taking too long to file the claim. In this case, the 5th U.S. Circuit Court of Appeals in New Orleans sided with an insurer that had denied a claim a company had made after being sued […]

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New Law Bars Hairstyle Discrimination

Posted on: August 2nd, 2019 by Leaders' Choice Staff No Comments

California Gov. Gavin Newsom has signed legislation that will make it illegal for employers to discriminate against employees and job applicants based on their hairstyle if it is part of their racial makeup. The law, known as the CROWN Act (Create a Respectful and Open Workplace for Natural Hair), amends the state Education and Government […]

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Is Your Business Prepared for Recreational Marijuana Use?

Posted on: July 11th, 2019 by Leaders' Choice Staff No Comments

Companies in states that have legalized marijuana are wrestling with how to deal with employees that use, particularly if they did so the night before and are still feeling the effects the following day. A new survey found that one-third of business owners are not prepared for managing the effects of legalized marijuana in the […]

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Conduct Diversity Training to Head Off Potential Lawsuits

Posted on: June 20th, 2019 by Leaders' Choice Staff No Comments

After R&B star SZA said she had security called on her while shopping at a Zefora store in California, the chain closed all of its U.S. stores for an hour to conduct “inclusion workshops” for its 16,000 employees. Zefora understood the swift backlash that can hit a company that has acted inappropriately towards a customer, […]

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Why Your Business May Need Pollution Insurance

Posted on: June 7th, 2019 by Leaders' Choice Staff No Comments

Many businesses that produce some type of pollutant throughout the course of daily business operations don’t know they are doing so. Others know they are producing pollutants and have processes and safeguards in place to reduce their release into the environment. A business can be held liable for some very costly damages when these byproducts […]

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