PLIS, Inc. can help with a Professional Liability policy for dog groomers including mobile groomers!
Policy Coverage Features include:
Insureds have free, unlimited …
telephone access to Specialty Risk Management, Inc. (SRM), a certified and experienced Loss Control Consultant team, as a preventive resource throughout the policy year.
Insureds receive real time responses related to professional liability issues.
Will Restaurant Guests Catch the Love Bug or a Stomach Bug?
Many couples celebrate Valentine’s Day with an intimate dinner for two at their favorite restaurant. For restaurants, it can be a very busy night serving one couple after another. But, the after-affects of a night gone wrong due to a “stomach bug” or “something she ate” can be devastating, not only to the restaurant but the guests as well.
Make a date with your restaurant clients before Valentine’s Day and secure the coverage they need to protect their business income from the impact of a night gone wrong.
The Trade Name Restoration® program includes:
Specialty Risk Management, Inc.® (SRM®) is included in the policy to help with:
Nationally Ranked Certified Crisis Managers, HACCP-Certified
SRM has a unique blend of industry experience in pathology, microbiology, marketing, communications, agricultural science, statistical process control and total quality control
It’s the same team – all the time, anytime, everytime!
Contact our office more details on this coverage and any features of the Trade Name Restoration program.
In 2005, Brenna Lewis was hired at Heartland Inns of America and in 2007 was promoted to a night shift, front desk job. The Director of Operations, Barbara Cullinan, hired Lewis after a phone interview, sight unseen. However, after seeing Lewis for the first time, Cullinan requested a second interview telling the manager that Lewis was “not a good fit” and lacked the “Midwestern girl look”. Lewis, who described herself as “slightly more masculine” preferred to wear loose-fitting clothing including mens button-down shirts and pants, stayed away from makeup and wore her hair short. Lewis challenged the second interview and was fired three days later for thwarting the interview process and hostility towards new procedures. Within this time frame, a new policy was enacted requiring all front desk interviewees to go through two interviews.
Lewis sued Heartland Inn for sexual stereotype discrimination and retaliation. Three years and an appeal later, a jury awarded Lewis more than $50,000 for her retaliation claim. She did not win on the sexual stereotype discrimination claim.
Good Reason for EPLI
Even though some consider it “discretionary” insurance, EPLI is an essential coverage.
What do you get with the purchase of an EPLI policy through PLIS, Inc.?
Human Resources / Risk Management Intervention Needed
If Heartland Inn had consulted a reliable risk management company (i.e. Specialty Risk Management®, Inc.), the outcome may have been different. Poor company practices, inappropriate statements (i.e. “front desk personnel should be pretty”) and the lack of proper policies and procedures all played a hand in this ruling.
However, with proper direction and documentation in place, this claim could have been avoided, settled for minimal dollars or the jury award reduced.
The FDA Food Safety Modernization Act (HR 2751) was recently signed into law by President Obama. The law was mainly written to protect consumers from poor practices of food manufacturers and producers to reduce the number of food borne illnesses and control the practices of these facilities. However, agents need to be aware of the ramifications to their restaurant clients:
Restaurants need to think carefully about their Trade Name being displayed as part of the packaging on the product being shipped to their restaurant.
Don’t forget – our Trade Name Restoration program offers coverage for both supplier and restaurant-caused events (in addition to many other great features). Contact us for a full range of coverage features.
For more specific details on how this legislation may impact your current or future restaurant clients, Specialty Risk Management, Inc. is available to answer questions for all insureds of the Trade Name Restoration program.
All coverage features are subject to individual underwriting and certain coverage features may be restricted. Not intended to be a representation of coverage or a guarantee of a quote or indication. See policy wording for coverage details.Copyright © 2011 PLIS®, Inc. and its licensors. All rights reserved.
With the short amount of time left in the “lame duck” session, it appeared that this bill may have died in the Senate (due to a procedural mistake made by the Senate earlier in December in their first version of this bill). However, in a surprise vote on Sunday, December 19th, the Senate fixed its error and unanimously passed S. 510 (which is now called HR 2751 The FDA Food Safety Modernization Act). It has since passed the House and is now waiting for President Obama’s signature.
An amendment was added to the bill (the Tester-Hagan amendment) that exempts small farms and producers from some of the requirements:
Reminder – Basic Info on HR 2751:
As an added benefit of the RCR program, insureds can contact Specialty Risk Management, Inc. for FREE for details on this new legislation and its requirements to manufacturers.