liability insurance - KMRD Partners

Does a Manufacturer Need Employment Practices Liability Insurance?

September 22, 2019 / by KMRD Partners / Blog, From Kevin's Desk, Inside View / 0 comments

The U.S. Equal Employment Opportunity Commission received 84,254 discriminatory employment-practices complaints last year. In addition to lawsuits filed by private citizens, claims filed by federal, state and city regulators are causing more businesses to purchase employment practices liability insurance, known by the shorthand EPLI. Employment practices liability insurance protects an employer from an employee’s claim […]

Here’s How Commercial Umbrella Insurance Works

April 25, 2019 / by KMRD Partners / Blog, From Bob Dietzel's Desk, Insurance Coverage / 0 comments

Unsure what is exactly covered by a commercial umbrella insurance policy? This KMRD blog post explains how it works. A company’s business liability policy outlines the maximum amount the insurance company will pay against a liability claim. So if the small business is sued $1.5 million for medical costs associated with an injury caused by […]

5 Steps To Choose The Best General Liability Insurance For Your Small Business

March 27, 2019 / by KMRD Partners / Blog, From Greg's Desk, Insurance Coverage / 0 comments

The best general liability insurance policies are designed to protect your assets by paying for obligations incurred if someone gets hurt on the property, by your product or when anyone employed by the business causes property damage or injury. They also cover legal defense costs and any settlement or award if the small business is […]

New Delaware Law to Require Sexual Harassment Prevention Training Program; What You Need to Know to Secure Your Business

September 18, 2018 / by KMRD Partners / Blog, From John's Desk, Human Capital & Benefits Solutions

By John E. Garber, Jr., SPHR, SHRM-SCP The State of Delaware joins a list of states mandating sexual harassment prevention training; KMRD recommends all Delaware employers provide interactive training as part of a comprehensive employment practices risk management program. On August 29th, it was announced that the State of Delaware has joined a growing list of […]

Cyber Liability Insurance: Four Ways to Safeguard Your Small Business

May 2, 2018 / by KMRD Partners / Blog, From Bob Dietzel's Desk, Insurance Coverage / 0 comments

Since big companies such as Target, with nearly 2,000 stores in the U.S., and Equifax, with more than $3 billion annual revenue, are targeted by cybercriminals, one might think small businesses would not need cyber liability insurance. This could not be farther from the truth. Unfortunately, small businesses also are targeted with depressing frequency. According […]

Eliminate Workplace Hazards: Five Steps Every Business Should Take

April 15, 2018 / by KMRD Partners / Blog, From Bob Dietzel's Desk, Insurance Coverage / 0 comments

Most risk and insurance professionals know how to recognize and eliminate workplace hazards. As in most things, an ounce of prevention is worth a pound of cure. Five Steps to Eliminate Workplace Hazards Step 1 – Know a real hazard when you see one Before you can identify and eliminate workplace hazards it’s important to recognize the difference […]

Sexual Harassment and Workplace Misconduct: Developing and Implementing an Effective Approach (Part Two)

March 8, 2018 / by KMRD Partners / Blog, From John's Desk, Human Capital & Benefits Solutions

By John E. Garber, Jr., SPHR, SHRM-SCP and Christin Smith Myers Read Part One of this blog series here Part Two: Addressing the Challenge Developing and Implementing an Effective Approach As we stated in our previous blog post, the risks associated with a culture of sexual harassment and workplace misconduct are clear. How should they be addressed? […]

Sexual Harassment and Workplace Misconduct: The Intersection of Human Resources, Legal Compliance and Risk Management (Part One)

January 31, 2018 / by KMRD Partners / Blog, From John's Desk, Human Capital & Benefits Solutions

By John E. Garber, Jr., SPHR, SHRM-SCP and Christin Smith Myers Part One: The Challenge What is going on? News surrounding Matt Lauer, Bill O’Reilly, Charlie Rose, Al Franken, Kevin Spacey, and Harvey Weinstein and many others should be prompting organizations to examine their sexual harassment policies, procedures and more importantly, their organizational culture. It has become […]

10 Situations When You Need Pollution Liability Insurance

June 14, 2017 / by KMRD Partners / From Brian's Desk, Insurance Coverage / 0 comments

Oil and chemical companies understand the need for pollution liability insurance coverage. But they aren’t the only ones with potential exposure to pollution-related incidents. In fact, many other types of companies have uninsured pollution exposures. And it’s possible there are literally thousands of companies exposed and unaware of the financial risk they currently face. We can’t know for sure […]

Insurance Tip – What To Look For In A Professional Liability Insurance Policy

January 3, 2017 / by KMRD Partners / General / 0 comments

A professional liability insurance policy is triggered when a firm or person fails to properly perform his or her professional duties. Because professionals are expected to have experienced technical knowledge or training in their particular area of expertise, they are also expected to perform the services for which they were hired according to standards of […]