EPLI Coverage as a Proactive Defense Against Pregnancy Discrimination

Finding talented employees is a difficult process. Employers must wade through numerous applications, conduct interviews, and determine which candidate is best for the job. Discrimination laws add an additional layer of complication to the hiring process. Many employers know they cannot refuse to hire someone based on their age, race, sex, sexual orientation, disability, or religion. Even so, several businesses find themselves at the center of discrimination lawsuits due to pregnancy.

Recent Pregnancy Discrimination Court Cases

Peggy Young, a former UPS truck driver, filed a suit against UPS for failing to give her a less demanding shift after her doctor ordered her not to lift heavy objects. As a result, Young had to go on extended leave. During this time, she received no pay and lost her medical coverage. After going to the Supreme Court, Young won her case in 2015.

Another example of a pregnancy discrimination lawsuit from the same year is EEOC v. Brown & Brown Florida, Inc. Nicole Purcell applied for a position at the company, and, after several interviews, secured the job. When she informed the company she was pregnant and inquired about their maternity leave policy, Brown & Brown rescinded their offer of employment. Their explanation was they needed an employee long term. The EEOC filed a federal lawsuit on Purcell’s behalf. The company and Purcell reached an agreement to resolve their conflict, requiring Brown & Brown to pay her $100,000 in damages.

EPLI for Prevention and Protection

Taking preventative measures in the workplace is key to avoiding discrimination lawsuits. Conducting risk management assessments, training employees on legal hiring practices, and investing in Employment Practices Liability Insurance (EPLI) can help lessen the risk of litigation. If a lawsuit does occur, EPLI coverage helps finance legal defense and protects businesses from going bankrupt during the litigation process. To learn more about protecting your business with EPLI, contact The Reilly Company.

Wearable Technology to Reduce Construction Incidents and Claims

Every construction company needs insurance. Investing in coverage is a smart business practice and can protect a company in the event of costly claims. However, many employers want to reduce workplace accidents or prevent them altogether. Because of this, many within the construction industry are turning to wearable technology to manage risks. Reducing workplace hazards has the added bonus of reducing insurance costs as well.

How the Tech Works

There are a few options for wearable tech available on the market. One such example is a product construction workers can wear on their belt. The product contains sensors that keep track of all workers. The system alerts the supervisor of any trips or falls on the site.  It also has a locator button for emergencies such as injuries. This allows employers to find and assist their injured employee in a rapid manner. Reducing the time to treatment can improve the outcome of the injury by decreasing the severity of the damage as well as recovery time.

The product uses a mesh internet system to stay connected with all workers across the construction site. Such a system allows construction managers to know how far an employee fell, where they fell, and what other employees were in the vicinity. This information is invaluable from a claims perspective, as the data is not subjective.

Similar products exist in vest form, but they serve the same purpose. The primary benefit of wearable technology is its ability to improve workplace safety as well as reduce the response time for injuries. This allows contractors to maximize their project management and employee productivity. Employees can learn from the devices as well. For example, a worker who receives frequent warnings about lifting too much weight may change his workplace habits to avoid injuries due to strain.

The Reilly Company understands that managing risks on construction sites can be difficult. That is why we strive to help businesses mitigate their risk by investing in proper insurance coverage. To learn more about reducing risk for your construction company, contact us today.

Can You Answer These Questions About Your Homeowners Policy?

Buying a home can be a daunting prospect. Homeowners insurance should provide some peace of mind, but navigating different policies and coverage options can be overwhelming. There are several questions homeowners can ask their insurance agent to gain clarity and ensure they have the best coverage for their home.

Does Your Policy Provide Enough Coverage to Rebuild Your Home from Scratch?

Homeowners should make themselves aware of how much it would cost to replace their home. Once they have a rough estimate, they can invest in coverage equal to that number. Homeowners should try to work with local agents who are familiar with construction and material costs to provide the most accurate estimate. This number should include any upgrades performed on the house as remodels can increase the house’s value. What was once enough coverage may no longer be capable of replacing a renovated home.

Do You Know What Your Policy Does Not Cover?

Many homeowners focus so much on what their policy provides them that they may not consider what it does not cover. Some items, such as jewelry or expensive artwork, require a different kind of coverage. In addition, many homeowners insurance policies do not cover certain natural disasters such as floods and earthquakes. If a homeowner lives in an area prone to these disasters, they will need to invest in separate coverage.

Do You Know What Discounts are Available to You?

Many homeowners forget to ask if they are eligible for discounts. Many insurance companies offer discounts for having smart home devices, a home security system, or if the individual insures other items through the same company such as their car.

Other questions individuals should ask their insurance agent include:

  • Can I afford my deductible?
  • What claims are most common to my area and do I have enough coverage for them?
  • Do I need additional coverage if I rent out part of my home?

Asking the above questions can help ensure financial security for homeowners in the event that they need to make a claim. To learn more about homeowners insurance, contact the experts at The Reilly Company.

How to Save When Adding a Teenage Driver to Your Auto Insurance

Adding a teenage driver to your auto insurance policy can be expensive. The cost can catch many by surprise. Thankfully, while adding a teen driver is still expensive, the cost is decreasing. For example, in 2013, adding a teenager to a car insurance policy increased rates by 85% on average. That number has since dropped to 78%.

Additional Factors that Influence Rates

The above numbers shift dramatically depending on the gender of the teen driver. Adding a boy increases rates by 89% while a girl only increases rates by 66%. This disparity is due to statistics. In general, young boys have more accidents and file more claims. Rates vary by state as well. Some states increase rates by well over 100% while others do not break into double digits.

How to Decrease the Cost of a Teenage Driver

While the following will not reduce upfront costs, it will hold them steady and prevent them from increasing. The first year on the road poses the greatest threat. Parents should set ground rules and continue to drive with their teenager even after they earn their license. Just because a teenager passed a driving test does not mean they are ready for all situations they will encounter on the road. Other ways to reduce the likelihood of claims are establishing curfews and limiting the number of people in the car.

Parents should also consider investing in technology to help reduce distracted driving. Several apps exist to disable certain aspects of smart phones while an individual is driving. These apps prevent texts and social media updates from pinging the phone while the vehicle is moving.

Some insurance companies offer discounts to individuals who participate in a driver improvement course. Another potential discount exists for students who earn good grades. Parents should ask their insurance agent about any available discounts to help control costs when adding teen drivers to their policy.

Contact The Reilly Company to learn more ways to save when adding a teenage driver to your car insurance policy.