A surprising number of employers offering employee benefit plans to their employees, including 401(k) plans, are refusing to purchase fiduciary liability insurance. Despite the dubious wisdom of refusing the insurance, the decision must be accepted if it was made with a complete and accurate understanding...
According to the Department of Justice and the Federal Trade Commission, the nation's computer fraud problem is increasing on a yearly basis. Those using computers to perpetrate their crimes have introduced the business community to a plethora of risks that are typically uninsured by traditional...
If asked to prepare a complete inventory of every item of personal property in their home, many people would probably struggle to identify even half of their belongings. Despite the difficulty of such a task, most are left with no choice but to depend on...
Self-storage operators are not immune to slip-and-fall liability. While the volume of foot traffic at a self-storage facility may not reach that of other types of businesses, customers must still enter the premises to store, access and retrieve their property. As a result, an exposure...
Ordinarily, a ruling handed down by the Supreme Court of Florida will find its way into the law books with little fanfare and in relative anonymity. Such a fate was not in store for Olmstead v. FTC, wherein the Court held that a person who...
Do employers have seven days to notify the Occupational Safety and Health Administration of a work-related incident that has resulted in the death of an employee? No. All employers covered by the Occupational Safety and Health Act of 1970 are required to notify the Occupational Safety...
Pursuant to Florida’s workers’ compensation laws, an employer is generally required to pay compensation or furnish benefits to an employee who is injured on the job. To be considered compensable, an employee’s injury must arise out of and in the course of his or her...
Increasingly, consumers are asking why their credit rating affects the rates they pay for automobile insurance. Yet using an individual’s credit rating as a criterion for determining an auto insurance premium is a fairly common practice in the insurance industry. Why? Statistics compiled by the...
The relationship between parent and child is one of devotion and responsibility. Even in the most extreme circumstances, there is little that a parent would not voluntarily do for his or her child. However, what would a parent do for the person who was injured...
It's settled law that workers' compensation insurance covers employees when their injuries “arise out of and in the course and scope of employment.” But it's possible that employees who are injured while participating in company-sponsored recreational activities may also qualify for workers' compensation. This determination...