As the number of reported cases of the novel coronavirus (COVID-19) continues to rise, employers are increasingly confronted with the possibility of an outbreak in the workplace. Employers are obligated to maintain a safe and healthy work environment for their employees, but are also subject to a number of legal requirements protecting workers. For example,…
Liability Concerns COVID-19 raises a number of liability concerns, particularly if guests, customers or employees allege they became sick due to a business’s negligence. When it comes to these concerns, it’s important to take the following insurance considerations into account: General Liability Insurance—General liability insurance, sometimes referred to as commercial liability insurance, protects your business…
Workers’ Compensation Insurance In instances where an employee believes they contracted COVID-19 at work, a number of workers’ compensation considerations come into play. As with many topics in workers’ compensation, the answer is, “it depends”—the specific facts of a claim, as well as jurisdictional statues, determine compensability. As the situation in the United States evolves,…
Business Interruptions As many operations close due to COVID-19 fears, there’s a growing question of whether or not business interruption insurance can help policyholders make up for lost revenue. Business Interruption coverage is typically triggered under a commercial insurance policy when a covered risk/peril causes physical damage to the insured premises resulting in the need…
On Feb. 18, the U.S. Department of Transportation (DOT) issued a formal warning regarding the use of cannabidiol (CBD) products. The DOT’s announcement pertains to department-regulated safety-sensitive employees and the use of CBD products. The warning aimed to clarify three different points regarding current regulations and these employees: The DOT requires testing for marijuana, but…
Truck drivers, mechanics, and office workers were asked to identify the skills they felt were most effective in preventing workplace injuries. They agreed on the Essential 7 Work Practices. Read the information below provided by Great West Casualty Company and ask yourself how you can improve your work habits to protect yourself from injury. BE…
As the headlines continue to show the effects of the Coronavirus worldwide, concerns of how a commercial insurance policy will respond are on the rise. Coverage varies greatly by carrier, but here is what we know: Virus is commonly excluded from coverage. Property and business income policies only provide coverage if there is first a…
There is no shortage of hazards in the workplace. To help spread awareness, the Occupational Safety and Health Administration (OSHA) tracks the leading causes of accidents and injuries in the workplace. OSHA has specifically advised companies to be aware of the “Focus Four,” also often referred to as the “Fatal Four.” Review these four major…
This resource provides the topics and information employers need to schedule an entire year of safety meetings. It also includes an attendance form that can be used to ensure workers have received the training necessary to remain safe on the job. Download the file here: Construction Safety Talks Packet Safety matters to all of us…
Many small business owners are happy to share their business tips with other entrepreneurs. Check out The Hartford’s top 15 business tips from small business owners, which can help you run and grow your business effectively. Business Tip 1: Build a Support Network For Laura Kelly, being a business owner can be an isolating experience…
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You are about the leave our site and submit the information to pay your bill. A licensed agent from our team will need to process your payment to make it official – we cannot bind coverage via web request. Let us get to work for you. Want to talk? Call us. 410-213-5600
Client Support Team
SCD Intermediaries
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