Blog

Does your business have a clear attendance policy? Have your employees all signed this agreement? When an employee does not show up to work their scheduled shift, the situation is more serious than just a missed work shift. Some of the most common reasons for lawsuits...

The requirements for Employee Postings in a business vary based on the type of business you are operating and can differ depending on county, state and federal labor laws. There are some postings that all businesses must visibly display - others are specific to certain establishments. It is also important to...

Insurance carriers utilize your Payment History as one of the factors in determining whether or not your business is going to have a Rate Increase in your Renewal Premium. Payment History involves: - Notice of Cancellation(s) - Late Payment(s) - Cancellation Reinstatement(s) *Becoming more limited by the insurance companies* An insurance claim filed during a lapse in your coverage from inadvertently...

An IIPP, or Injury and Illness Prevention Program, is a requirement of Title 8 (CA Regulations) for California Employers. This program can greatly reduce your business' work safety claims, and your Workers' Compensation Ex. Mod. and Premium! A good IIPP will include the following: - Training Requirements - Responsibility - Compliance *A safety standard violation can result in a...

Last week, one of our clients' employees noticed a fire in the restaurant's kitchen. The employee immediately attempted to contact the business owner, calling him at numerous different phone numbers until he finally got a hold of his boss, instead of directly contacting 911. Your employees...

Last week we extended an invitation from Landegger Baron Law Group for their wonderful and invaluable monthly Employment Law seminars to all of Coopers Insurance Agency's clients. Today, we share some more insights from these informative discussions, specifically a list of Acceptable/Unacceptable Employment Inquiries that is vital knowledge for any employer.

Having a partner (be it a working partner, or a silent, financial partner) can be a great asset. Losing your long-time business partner, however, can be a very challenging experience, both emotionally and financially. Inheriting your business partner's spouse or their kids can be devastating! Their spouse or kids could...

Continuing last week's topic of Non-Owned Auto Third Party Liability Another important aspect of "Non-Owned Auto" insurance for business owners is delivery. Unlike errand-runs during work hours in their own vehicles, delivery by your employees in their own vehicles is NOT included in your optional "Non-Owned Auto" coverage. If your employees perform deliveries for your...

Do your employees run errands for you during business hours driving their personal vehicles? (Other than for delivery) If so, and one of them becomes involved in a car accident that is their fault, your business is held liable as a third party! Here are some steps to ensure you are...