ADA Compliance for Businesses

importance of ADA compliance

The Americans with Disabilities Act requires that businesses who serve the general public must provide accommodations to handicapped individuals so that they can enter a business’s premises or use its services. Failure to comply with the ADA can cause significant liability exposure because it can result in claims of discrimination. Here are some important aspects of ADA compliance that all businesses need to consider.

Human Resources

The importance of ADA compliance has to be a significant factor in business’ general operating procedures as well as human resources policies. In addition to providing accommodations for the general public, they must also create an inclusive working environment for disabled employees. When an employee makes a request for a reasonable accommodation due to a disability, a business should use its best efforts to respond effectively.

Accessibility Criteria

A business’s premises need to meet certain physical requirements to facilitate access for individuals who are mobility impaired or rely on the use of a wheelchair. It may be necessary to modify doors or install wheelchair ramps. While businesses will not need to make changes that they can’t reasonably afford, any type of significant renovations may trigger compliance with ADA requirements that have been integrated into local building codes.

ADA compliance is a legal requirement that all businesses need to be proactive. In addition to following the law, compliance is important for shaping positive customer experiences and sentiment.


Does Your Insurer Help You Understand Your Clients?

Risk management is about a lot more than just the dollar value on your coverage. It’s also about understanding how your own behavior can impact the risks your business faces, from cash reserve decisions to your professional conversations with clients. When you work with an insurer who understands what you do, that can mean getting help in all those areas. Insurance professionals have a vested interest in helping clients keep their risks managed, after all. That means when you use knowledgeable, industry-specific insurers, you can count on them having everything from accounting tips that help you get the right background information and goal-setting discussions rolling with new clients to risk assessment and tax positioning questions that will help you quickly update information for your established regulars.

Liability Coverage for Accounting Professionals

More likely than not, it’s your professional liability insurer who will know your business best. That’s not a coincidence since the coverage needs to be tailored to the specific risks you take as an accounting professional. Finding the right insurance relationship means getting help with those professional habit-builders that can keep you ahead of the curve when it comes to anticipating client needs and avoiding the kinds of exposures to liability your policy protects you from. That, in turn, can help you present a lower risk profile, saving on future insurance needs. It’s a win-win when you have an insurer who wants to help you be the best professional you can be.

Two Key Liability Coverages To Keep Your Staffing Firm Protected

staffing agency insurance

Having the right staffing agency insurance is critical to your success and peace of mind. With your actions impacting both your contractors and clients (and vice versa) you want to make sure all your bases are covered in case something goes wrong. In terms of liability insurance, here are two of the top coverages that you should plan to include in your policy.

General Liability

General liability is one of the most popular forms of business insurance for any industry because it protects against many of the everyday issues that come up when running a business. For staffing firms, it offers protection for lawsuits arising from injuries on your premises to claims of copyright infringement. No matter the reason, your policy will cover any expenses related to a lawsuit.

Professional Liability

As a staffing agency, it’s possible for the contractor you hire and your client to be unsatisfied with your performance. The client may be unhappy with your inability to fulfill your contract and the contractor may feel misled about the role you hired them into. In either case, your policy will be there to cover your expenses should a lawsuit be filed.

There are several other forms of liability coverage needed to round out your staffing agency insurance policy. Working with an experienced agent can ensure that you can create a policy that’s just right for you.

Important Information About Liquor Liability for Nightclubs

liquor liability for nightclubs

If you own a nightclub that sells alcohol, liquor liability for nightclubs is something you want to know well to protect your business. In many states, if you serve someone until they are intoxicated and they cause injuries to others, such as if they drink and drive, you can be held liable for the people that they hurt. This can result in lawsuits and other trouble, depending on the state you are operating in. Liquor liability insurance will help to protect you should you face this situation.

In addition to insurance, you want to do other things to reduce your liability should an incident occur. First, train your employees to known when to cut off a patron so that they do not become overly intoxicated. There are training programs you can use to provide this information to your employees. You also want to make sure that there are solid employee drinking regulations in place. When you are talking to your insurance broker, make sure that you have all of the necessary liability insurance for your nightclub so that you are wholly protected in the event of an incident. Use this information to better understand liquor liability for nightclubs. Make sure that you have the right insurance for the type of club you own and its location.

The Importance of Cyber Liability Coverage for Your Business

Carmel cyber liability insurance

Today’s business climate calls for a more comprehensive insurance policy that covers newer threats. Network security risks are at a point they’ve never been, where your company is always subject to hacking or network failures that can lead to big losses or damages. Carmel cyber liability insurance is a means with which to protect your business against potentially detrimental losses, thus protecting the future of your company as a whole.

Cyber liability coverage is typically customizable, offering protection against things like privacy breaches, restoration or replacement of electronically stored assets, cyber extortion, damages or infringement related to your business’s online media outlets, and much more. As is the case with any coverage for your business, not having the right insurance policy can be extremely detrimental to your ability to move forward following any hiccup that may occur along the way. Risk management is at the forefront of any successful business venture, and it requires proper preparation against said potential risks.

Carmel cyber liability insurance is all about loss prevention, and there are many ways to go about building your plan. Speak with a trusted insurance specialist to find out what’s right for you and your business, as each company differs in how they operate, especially in terms of technology and how it’s used.

Protect Yourself Against Employee Crime With Fidelity Crime Insurance

Fidelity crime insurance

You are not responsible for the dishonest actions of your employees, but unless you have fidelity crime insurance coverage, you will unfortunately be responsible for the cost of their actions. Thankfully, insurance coverage is available to protect you from a wide range of dishonest employee activities so that you suffer minimal financial consequences.

What Does a Crime Insurance Policy Cover?

 Most crime insurance policies offer coverage for the following scenarios:

  • Forgery or altercation
  • Employee dishonesty
  • Theft of client property
  • Computer and funds transfer fraud
  • Money and securities

It is important to note that an employee is defined as a person whom you have the right to control, is compensated directly by you through wages, salary or commissions, and is in your service. A person who falls outside of these definitions is not an employee and their actions are not covered by fidelity crime insurance.

What Is Not Covered Under Crime Insurance?

Crime insurance does not cover dishonest actions committed by you or your partners. Additionally, it does not provide protection for your accounting errors or your liabilities to third parties as a result of crime-related losses. If you have any questions about your crime insurance policy and what it covers, be sure to sit down with your insurance agent and discuss your queries or concerns.

Auto Insurance for Staffing Firms

hired non owned auto

Like many companies out there, your staffing firm may unique insurance needs regarding automobiles. For example, you may utilize cars that are owned by employees for business purposes. In other cases you might own, lease, rent, hire, or borrow cars. Whatever your circumstances are you should make sure you have the right insurance coverage, such as hired non owned auto.

Why You Need Insurance

Using cars for business purposes is a common occurrence. What many people don’t think about is the inherent risks involved. Even if you only use cars sparingly it’s smart to have coverage on hand just in case an accident happens. Here are some common situations where you might need to use a car:

  • You send your employee to grab lunch.
  • You get a client picked up by a limo.
  • You get a rental car on a business trip.
  • Your employee goes to get office supplies.

Coverage Basics

Before you invest in coverage you might want to know what it entails. This policy protects your business when it is liable for damages related to an employee driving a rented or personal vehicle for the purpose of conducting business. Hired non owned auto insurance covers liability claims, defense costs, and actions taken by your staff.

You might also need auto insurance for vehicles that are owned by your business. Assess your needs and get the necessary plans to make sure you’re properly protected.

How to Choose Home Insurance

home insurance in Los Angeles

Home insurance protects against a variety of calamities and damages, but home insurance in Los Angeles should be customized to protect against windstorms, wildfires and other events not experienced in other parts of the country. Looking for a policy that offers customization is one small part in choosing home insurance.

Determine Replacement Value

When choosing homeowners insurance, it is important to understand how much it will cost to replace your home. This number can be very different from the amount of money originally paid for the building and property. Account for the cost of transporting materials to your property as well as construction costs.

Understand Available Coverage

Different homeowners insurance policies will offer different levels of coverage for a variety of things that may include the structure of your home, personal items and liability protection. Some policies may also cover living expenses if you are displaced due to damage to your home. Understanding what coverage is available, exactly how much is covered and how much that protection will cost you is an important part of choosing home insurance.

Residences, condos, vacation homes and rental properties should all be protected. If you need home insurance in Los Angeles, contact an agency that understands the unique needs of the area to find a policy that is suitable for you.

Insuring Your Restaurant for Peace of Mind

restaurant insurance in Texas

As a restaurant owner, you most likely don’t like to consider the possibility of accidents or losses, but unfortunately, they are inevitable. If you are considering restaurant insurance in Texas, it would be wise to invest. Having insurance helps protect your restaurant when accidents or losses do occur and provides a sense of security to you and your employees. Guests can injure themselves in countless ways and being prepared as well as aware of the possible repercussions is crucial. Even if personal injuries do not occur, equipment damages can transpire or the building itself can require repairs. These can have detrimental effects to the restaurant and your finances. If extreme damages do occur, not having restaurant insurance can end up putting your restaurant out of business.

Although some restaurant insurance in Texas may be expensive, you can find a competitive rate with some research. You will most likely be required to fill out paperwork and once that is completed, you can request quotes. When submitting the applications, you are not agreeing to pay anything or purchase insurance. It is not throwing money away, but rather a sensible investment in the future of your restaurant. Without insurance, you may hit with a massive payment when a loss or incident does occur. It is always better to be safe than sorry which is why obtaining restaurant insurance is vital for any restaurant owner.

Insurance for Yacht Builders: Providing a Safe Harbor for Your Business

insurance for yacht builders

Your business as a yacht or boat builder likely includes strategies to build high-quality and outstanding craftsmanship into the vessels you are manufacturing. To protect all of your hard work, you owe it to your business to choose specifically designed insurance for yacht builders.

Comprehensive Policy Coverage

Policies tailored to yacht builders offer broad coverage for perils specific to this segment of the marine industry. A typical yacht builder’s policy includes general commercial property coverage and general liability, hull builders risk, piers and docks coverage, and protection and indemnity for vessels. Additionally, a comprehensive policy will cover risks more specific to yacht builders, such as coverage for sea trials, delivery, and even environmental risks such as sudden accidental pollution.

Why You Need Coverage

Whenever you offer a product to the public, there is always a potential for liability. Accidents can happen, parts can fail, or things can just go wrong. The boating industry continues to become more regulated and complex. All it takes is one large settlement and you could be out of business overnight.

Choosing the proper insurance for yacht builders can protect your business from the beginning stages of development through to sea trials and delivery. A comprehensive policy will also offer workers compensation coverage for your employees and liability protection for your directors and officers. Meet with a local licensed marine insurance specialist and build a safe harbor for your business.