Workers compensation

Whether you specialize in carpentry, web design, or accounting, the availability of online resources and professional networks enables almost anyone to engage with potential clients and manage essential day-to-day business tasks independently. This growing pool of freelancers and self-employed professionals has simplified the process for employers, making it easier than ever to hire independent contractors to fulfill specific business needs.
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An employee of one of my policyholders has been out of work on a workers' compensation claim for over a year.The employer hired a 'temporary' employee to fill the position and asked me whether they could replace the injured employee by making the 'temporary' position 'permanent.'This is a Human Resource (HR) issue that I was not qualified to answer so I recommended the policyholder consult wth a Labor Law attorney for an opinion.I also noted to the policyholder that they did not have employment practice liability insurance (EPLI), a policy that would provide a defense for 'wrongful termination' as well as numerous other potential employer-employee issues.Many times EPLI can be added to a not-for-profit's Directors & Officers Liability policy for less than $200 a year.This is a good policy to have whether you have one employee or one hundred.
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No matter if your food service establishment is a cafe, deli, diner, or upscale restaurant, all such businesses share certain common risks.
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