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Today's workers compensation claims continue to rise and it's important--now more than ever, to make sure you take the steps necessary to avoid a future workers comp claim. Your Problem Solvers give you steps to reduce this risk and information about this policy.
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Hire Better,Do Better!
V is i t you r P rob lem So lve r sw w w. g i l l m a n i n s . c o m
EMPLOYEE PRACTICES LIABILITY
Steps to Minimize Your Risk!
Potential Employee ClaimsYour Problem Solvers bring you ways to minimize the risk
V is i t you r P rob lem So lve r sw w w. g i l l m a n i n s . c o m
What is Employee Practices Liability?
How to Avoid It
What it means to THE BOSS
2 3 4 5 6 7 8 9 10
10 Action Steps:
1
The Bo s s ’ s Gu i de
Employment Practices Liability insurance (EPLI) will provide protection for you the employer from claims made by employees, former employees, or even potential employees. This coverage may also protect directors and officers of your firm.
EPLI Coverage includes: discrimination (age, sex, race, disability, etc.) wrongful termination of employment sexual harassment other employment-related allegations
What is Employment Practices Liability?
V is i t you r P rob lem So lve r sw w w. g i l l m a n i n s . c o m
Today’s claims are as much about how people feel about their boss or employer as they are about a specific injury or wrong.
If your employees trust your company and leaders, they are more likely to work smarter and safer.
Minimize your risk by improving your hiring practices!
How to Avoid It
V is i t you r P rob lem So lve r sw w w. g i l l m a n i n s . c o m
CREATE A MEANINGFUL JOB DESCRIPTION
A great (free) resource to assist you with this step can be found online at www.onetonline.org
10 Action Steps:
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V is i t you r P rob lem So lve r sw w w. g i l l m a n i n s . c o m
IMPROVE YOUR HIRING PROCESS by…
CONDUCT A THOROUGH INTERVIEW
Do not make a hiring decision based on first impression or personal feelings you acquire during the interview process.
Ask the candidate the question, “Have you ever felt you were being treated unfairly at your current/previous jobs?”
Inquire the same question to his/her references, asking “What did ___ tell you felt unfair to him at his last job?”
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1 2 3 4 5 6 7 8 9 10
V is i t you r P rob lem So lve r sw w w. g i l l m a n i n s . c o m
IMPROVE YOUR HIRING PROCESS by…
ADMINISTER SKILL TESTS
Can your job candidate really perform? Does he/she have the knowledge it takes to jump-start into the position?
Test your candidate with measurable objectives.
10 Action Steps:
1 2 3 4 5 6 7 8 9 10
V is i t you r P rob lem So lve r sw w w. g i l l m a n i n s . c o m
IMPROVE YOUR HIRING PROCESS by…
MAKE A CHARACTER ASSESMENT
Determine if your applicant will be a goodemotional fit for the job.
www.ZeroRiskHR.com provides pertinent questions to ask during the interview process to provide insight.
10 Action Steps:
1 2 3 4 5 6 7 8 9 10
V is i t you r P rob lem So lve r sw w w. g i l l m a n i n s . c o m
IMPROVE YOUR HIRING PROCESS by…
CONDUCT AN EXTENSIVE BACK-GROUND CHECK
Undoubtedly, an unclean record isn’t something to overlook or consider when selecting an applicant to represent your business.
Suggestion: Visit GlobalResearchHR.com
10 Action Steps:
1 2 3 4 5 6 7 8 9 10
V is i t you r P rob lem So lve r sw w w. g i l l m a n i n s . c o m
IMPROVE YOUR HIRING PROCESS by…
REQUIRE A PRE-PLACEMENT PHYSICAL EXAM
You may want to make a conditional job offer. As it applies to your business model, a qualified local occupational medicine clinic may supply a pre-hire physical, including a drug test.
Consider mentioning this in your job ad—you’ll end up saving your time by deterring questionable candidates.
10 Action Steps:
1 2 3 4 5 6 7 8 9 10
V is i t you r P rob lem So lve r sw w w. g i l l m a n i n s . c o m
IMPROVE YOUR HIRING PROCESS by…
REQUIRE EACH EMPLOYEE TO SIGN “DECLARATION OF NO INJURY” ON A REGULAR BASIS
Anytime an employee is injured, immediately refer him to your company’s occupational medicine physician.
It’s wise to consider paying all first-aid related expenses directly rather than submitting small claims to the workers compensation carrier.
10 Action Steps:
1 2 3 4 5 6 7 8 9 10
V is i t you r P rob lem So lve r sw w w. g i l l m a n i n s . c o m
IMPROVE YOUR HIRING PROCESS by…
BE SURE EACH EMPLOYEE IS IN THE CORRECT JOB CLASSIFICATION TO ENSURE WORKERS COMP CLAIMS ARE COVERED
Too often, misclassifications are discovered at the point of no return—after an incident. Minimize your risk by double-checking this before a claim.
10 Action Steps:
1 2 3 4 5 6 7 8 9 10
V is i t you r P rob lem So lve r sw w w. g i l l m a n i n s . c o m
IMPROVE YOUR HIRING PROCESS by…
QUICKLY SEND A POSITIVE MESSAGE TO AN EMPLOYEE INJURED AT WORK, EXPRESSING HOPE THAT HE/SHE HEALS RAPIDLY AND RETURNS TO WORK SOON
Send Get-Well cards, flowers or even meals as appropriate to the employee’s home to let them know you’re wishing him/her a successful recovery.
10 Action Steps:
1 2 3 4 5 6 7 8 9 10
V is i t you r P rob lem So lve r sw w w. g i l l m a n i n s . c o m
IMPROVE YOUR HIRING PROCESS by…
SEND OUT A FMLA NOTICE IF AN INJURED EMPLOYEE IS ABSENT FOR WORK FOR MORE THAN THREE DAYS
Even if it looks like a workers comp claim, you want to make sure the 12-week period for FMLA will start it’s course as soon as possible. Don’t wait!
10 Action Steps:
1 2 3 4 5 6 7 8 9 10
V is i t you r P rob lem So lve r sw w w. g i l l m a n i n s . c o m
IMPROVE YOUR HIRING PROCESS by…
Workers Compensation claims continue to rise, especially in today’s economy where safety procedures become secondary to performance.
Make sure you’re prepared with adequate Employee Practice Liability Coverage, as questionable comp claims are an ever-present possibility
What it means to THE BOSS
V is i t you r P rob lem So lve r sw w w. g i l l m a n i n s . c o m
Contact us if you have any question, concerns or would like a FREE quote to
secure the proper insurance for your business:
http://www.gillmanins.com/business-insurance/employment-practices-liability/
We’ll find you the BEST coverage for LESS, and give you the peace of mind that every
business owner needs!
GEORGIA BUSINESS INSURANCE
V is i t you r P rob lem So lve r sw w w. g i l l m a n i n s . c o m
Click here:
We wish you the best with your hiring decisions.
Feel free to contact us anytime if we can offer assistance or answer your questions!
Sincerely,
Your Problem Solversat GILLMAN INSURANCE
GROUP
Thank You for Watching!
V is i t you r P rob lem So lve r sw w w. g i l l m a n i n s . c o m
888.869.6509