Including:
Commercial Vehicles
Property & Equipment
Liability: Premises & Products
Certificate of Insurance & Additional Insured Issues
Disasters
Work Comp – Classifications & Experience Mod.
Advertising Liability
Contracts & Leases
Transit (Continental U.S & Ocean Marine)
International Exposures
Cyber Liability
Public Relations
Management Liability
Employee Benefit Risks
Including:
COBRA Flex Spending
Health Care HIPAA
Self Funding FMLA
401 (K) Disability
Fiduciary Loss of Key Persons
Analysis of Employee Benefits:
Understanding the organizations’ philosophy regarding financial commitments to employee benefits packages.
Develop and/or review all plan documents, costs, eligibility, levels of contribution and communications to employees.
Assist/Draft the request for proposal specifications (RFP) focusing on the organizations’ desired benefit levels, plan designs, and overall outcome. Review all RFPs and provide analysis of all proposals within the scope of organizational goals.
Compliance with regulations impacting employee benefits such as pending health care reform requirements.
Employment Risks
Failure to post required postings
Failure to not update employee manual
Improper employment practices
Lack of supervisor training
Losses outside of workers compensation
Noncompliance with government regulations
Morale Risks
