Clubs—and businesses of all kinds—come up with all sorts of reasons for not carrying Employment Practices Liability Insurance (EPLI). They do their best to make sure their employees have a safe workplace free from harassment and discrimination, so they can’t imagine a scenario in which an employee would file a lawsuit. Some believe they’re simply too small—others, that because their employees are like family, they won’t have to worry about an employee lawsuit. Unfortunately,...

2020 is a brand-new year, and with it comes brand-new opportunities to grow your business. But in order to make the most of the next 366 days (it is a leap year after all), it’s important to reflect on the lessons of 2019. So, without further ado, here are a few of the things we’ve learned about managing risk that we’ll be carrying into the ’20s. Set Boundaries for Cannabis in the Workplace Forty-six states have legalized cannabis in some form, and the list of states...

As the year ends and the holiday season approaches, many businesses decide to host office parties. It’s a great way to celebrate their accomplishments and reward the team that made it all possible. But while the holidays often bring out the best in people, it’s important to know that holiday office parties carry a number of risks—to your business and your employees. Read on for important considerations before your next event, so you can ensure a safe and happy holiday for everyone. Alcohol When...

Introduction to the Case Knee scooters always look like a fun way to travel the road to recovery following an injury. Yet, many may be surprised to know just how frequently claims arise regarding patients who were injured while using one. In the following story—based on an actual claim—you’ll see through the eyes of a provider who finds out firsthand, you never know when a claim might come your way. It’s important to note that while this story involves a knee scooter,...

According to the United States Census Bureau, there are more than 260 million vehicles in the U.S. Chances are good your employees use company vehicles for personal use, or they use their personal vehicles while performing company business. In either case, it is imperative that you as an owner or manager develop and implement a vehicle use program to mitigate your organization’s liability that may arise from an accident caused by an employee while operating a company or personal vehicle. Employee...

Winter weather creates a set of risks you won’t face at any other time of the year, creating added liability exposure for your business. With many regions already dealing with colder than usual temperatures, snowfall, and ice, now’s the time to kick your preparations into high gear. We’ve rounded up the top six weather-related issues that businesses face in the winter months, as well as steps you can take now to prepare and protect your business. 1. Risk: Trips, slips, and...

Hosting private parties at your club gives you the opportunity to provide an impactful experience to your patrons. Whether it’s a wedding, a graduation party, a corporate celebration, or another event, your club becomes the setting for countless memories to be made. However, when you open your doors to guests for a party, you also open your doors to a variety of risks you may not have considered. Read on for tips and best practices to protect your guests, your employees, your property, and...

With cyberattacks becoming increasingly common among businesses in the health care industry, it’s critical to take every conceivable precaution to protect your data. Yet, many businesses are still of the “it’ll never happen to me” mindset. Check out our #RiskyBusiness video for tips on how to protect and prepare your business from a ransomware attack.              In addition, read our real-life claims scenario, where you’ll...

When club owners think of preparing for winter, turf management is usually what comes to mind. While the course is your most valuable asset, don’t forget about winterizing equipment, buildings, and other outdoor spaces that support your business. Preparing your property for Mother Nature now can help mitigate risks once winter arrives, and allow for a stress-free holiday season. Here are nine winterizing best practices: 1. Have building roofs inspected. A little preparation can go a long...

If your business provides services of any kind to patients’ homes, you’re in a unique position when it comes to risk. Both General Liability risks (incidents that happen on the premises of the patient’s home) and Professional Liability risks (incidents that result in patient injury usually due to caregiver error) need to be top of mind for all your employees. Whether your employees are delivering equipment, transporting a patient, providing skilled or non-skilled home care, or...