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What is PA Employment Practices Liability Insurance?

What is PA Employment Practices Liability Insurance?   What is PA Employment Practices Liability Insurance

Employment disputes and employee lawsuits have become extremely common place in America, affecting businesses in every sector and industry. In fact, US federal courts alone have seen the number of suits filed concerning employment grievances increase by over 400 percent in the last two decades According to the Department of Labor. Recent reports indicate that even small operations are seeing employment disputes in greater numbers in recent years. Part of this is driven by the Equal Employment Opportunity Commission (EEOC), which is filing more charges against employers for workplace infractions and failure to comply with changing regulations. Employees too have become more likely to bring allegations against their current, prospective and former employers over everything from discrimination and harassment to wrongful hiring and firing practices.

As a Pennsylvania business owner, chances are great that you will eventually be sued by an employee for one reason or another. It can happen at any point in the employment process, from the initial interviewing of a new candidate to escorting a former worker out the door. Even if these allegation are unfounded, a legal battle can be costly and resource depleting. Unfortunately employment disputes can arise even when the best human resource management practices are in place.

For this reason, Employment Practices Liability insurance was created. PA Employment practices liability insurance, also known simply as EPLI coverage, was created to help transfer the financial burden of a law suit from the business to their insurer. EPLI policies provide employers with protection against claims made by workers alleging discrimination, wrongful termination, harassment and countless other employment-related issues.

At the Dryfoos Group, we strive to help Pennsylvania business owner protect their operation and their assets. Our PA Employment Practices Liability Insurance covers your legal consul and court costs whether you win or lose. To learn more about our operation and our complete portfolio of business insurance solutions, give us a call today at (888) 548-4953.

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Hazleton Car Insurance: Driving Safely in Winter

Hazleton Car Insurance: Driving Safely in Winter  Hazleton Car Insurance Driving Safely in Winter

As winter approached motorists face a number of concerns on and off the road. From freezing temperatures to low visibility and slick roads, winter weather can wreak havoc on a vehicle and throw even the most experienced drivers off their game. Seasoned Pennsylvanian motorists know all too well the countless risks of both owning and operating vehicles during the winter but for newcomers and young motorists the winter can be a shocking and daunting experience.  Whether you’re a veteran winter driver or this is your first time traversing the snowy season, here are a few things to remember about winter motoring.

  • First and foremost, it is vital that you properly prepare your vehicles for the weather.
  • Slow it down. Unlike driving on dry roads, maneuvering is much more dangerous and complicated on snowy and icy roads. Even sporting performance and heavy weight vehicles need more space and time to successfully maneuver in winter conditions.
  • Don’t rely on your vehicle’s performance capabilities. Just having four wheel drive, snow tires and anti-lock brakes isn’t enough to keep drivers safe from major driving complications.
  • Never use cruise control when driving on any slippery surface, including wet roads and those which have been de-iced or salted. It is especially important to maintain as much control over your vehicle as possible when driving in the unpredictable and hazardous conditions that winter brings.
  • Don’t break on an icy patch, especially if you feel your vehicle losing traction. Breaking too hard on frozen and slippery roads can cause drivers to lose control of the vehicle whereas maintaining your speed through the slipping will you better maintain control over the vehicle. Break lightly applying steady amounts of pressure and be sure to leave plenty of room between you and your desired stopping point.

At the Dryfoos Group, we understand the countless hazards drivers face on and off the road. That’s why we are committed to providing quality Pennsylvania Auto Insurance are affordable rate. We specialize in helping our clients protect their personal property against any number of unforeseen damages and injuries. To learn more about our operation and Hazleton Car Insurance coverage, contact us today at (888) 548-4953.

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Is Your Luzerne County Professional Liability Insurance Complete?

Is Your Luzerne County Professional Liability Insurance Complete? Is Your Luzerne County Professional Liability Insurance Complete

In business and in life, mistakes happen. The key to success is to be properly prepared when they do. It is not uncommon that a single mistake can lead to litigation and investigations into the business practices of a Luzerne County operation, which can consume time, resources and draw a businesses’ focus from their primary functions. It only takes one ill-timed legal battle to undo years of hard work and investment in a small professional practice. Those offering professional services, such as medical care or financial advising, are especially prone to allegations of everything from negligence to breach of duty.

When it comes to professional missteps and errors, the situation can escalate rapidly and what was a simple mistake can easily become a complicated conundrum when left to spiral out of control. Because there is no fool proof way to prevent any and all professional errors from occurring, businesses can take steps to minimize the impact a professional blunder will have on their operation and employees.

While the specifics of each situation will fluctuate and vary, there are three main factors to consider when an error or blunder is discovered within your operation: who does the error affected, how can the issue be resolved, and how will the affected parties be notified. It is important to strategically plan your response to all of these factors in order to best avoid complications. Taking accountability for professional mistakes and being upfront are commonly cited as the best tactics when navigating a professional mishap. However, even the best risk management strategies and error avoidance tactics will not always prevent fall out from a mistake of failure. As such, it is essential that Luzerne County businesses protect themselves, their employees and their assets from losses which may occur as a result of a mistake, error or other occupational blunder.

Obtaining comprehensive professional liability coverage is a crucial part of any operation’s risk management strategy. At the Dryfoos Group, we are committed to helping Luzerne County employers find the business insurance solutions they need. Our Luzerne County Professional Liability Insurance specialists can help address your liability exposures with policies designed specifically to meet your operation’s requirements. To learn more about Our Luzerne County professional liability insurance or any of our other business solutions, give us a call today at (888) 548-4953.

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PA Educational Institution Insurance: Sports Prove Risky

PA Educational Institution Insurance: Sports Prove Risky PA Educational Institution Insurance Sports Prove Risky

A report recently released by Safe Kids Worldwide, a non-profit youth advocacy group, provided an eye opening look at the impacts of sports injuries on young Americans. According to the report, last year some 1.24 million children were treated in emergency care units across the nation for injuries associated with sports activities. That averages out to one injured child every 25 seconds. According to the survey, children between the ages of 13-15 had the largest number of injuries.

The survey found that 90 percent of young athletes said they have been injured while playing a sport. What’s most concerning about these findings is that athletes are often very willing to play-through an injury, and many injuries go unreported to coaches or parents. Whether the athlete did not want to be on the sidelines missing an important game or they didn’t want to let their team down, 54 percent of young athletes have reportedly continued to play and practice their sport while injured to avoid the repercussions. But letting these injured players back on the field can be a huge liability risk for coaches and educational facilities.

When it comes to school sports related injuries, many court cases have illustrated that the legal responsibility for these injuries can often fall to the educational institution and coaches. Educational facilities and professionals can be held liable for any negligence, misconduct or improper handling of an athlete’s injury. As such it is important to understand a school’s responsibilities involved in educating and protecting participants in athletic events and sports.

Educators are expected to provide adequate instruction on the activity including training, an explanation of the basic rules and procedures, tips for safe participation and an explanation of the known health and physical risks associated with the sporting activity. They are also typically responsible for providingfunctioningand appropriateprotective equipment to athletes and the proper supervision and guidance. If a player is injured, coaches and faculty are responsible for ensuring that the athlete receives proper post-injury care and treatment.

Educators take on a huge amount of responsibility while offering one of the most essential community services.  At the Dryfoos Group, we believe in supporting educators by helping educational institutions find complete risk management solutions to best facilitate a safe and productive operation.  We provide complete PA educational institution insurance coverage for many types of facilities including primary and secondary schools, as well as colleges, universities, performing arts and trade schools. Give our insurance experts a call today at (888) 548-4953 for more information. 

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PA Non-Profit Insurance: Proof that Wacky Fundraising Works

 PA Non-Profit Insurance: Proof that Wacky Fundraising Works

PA Non-Profit Insurance Proof that Wacky Fundraising Works

When non-profit fundraising campaigns go viral, the results tend to be extreme. As the recent ALS Ice Bucket Challenge has indicated, the publicity and notoriety that accompanies a viral campaign can be a tremendous asset to humanitarian and philanthropic efforts of all shapes and sizes. To date the Ice Bucket Challenge campaign has raised nearly 100 million dollars from donors around the world.

But the ALS challenge is not the first of its kind. In fact there have been dozens of highly lucrative quirky, zany and downright wacky attempts by non-profit organizations to raise money and awareness for their cause. Here are a few of the most unconventional fundraising stunts in the industry:

Movember: Movember is an increasingly popular campaign that challenges men from around the world to grow a moustache for the entire month of November, allowing participants to become activists and spokesmen for men’s health. Last year an estimated $123.1 million was raised as a result of the Movember 2013 campaign which focuses on bringing awareness to men’s health issues and funding men’s health programs.

The Polar Bear Plunge: For nineteen years the “Polar Bear Plunge” fundraising campaign has been raking in millions in donations to help fund the Special Olympics. Encouraging participants to jump into chilly waters across the nation all in the name of sportsmanship and philanthropic exhibition and donate money to help young athletes.

Walk A Mile in Her Shoes: What started as a small awareness raising stunt in 2001, the Walk a Mile in Her Shoes® campaign has spawned into a thriving humanitarian non-profit operation. The campaign encourages asks men to literally walk a mile in women’s high-heeled shoes during their International Men’s March to Stop Rape, Sexual Assault & Gender Violence held each year. The events are designed to generate talk, awareness and funds to help stop domestic violence and abuse.

Shave Your Head for Cancer: St. Baldrick’s head-shaving event began as a challenge between businessmen in 2000 and has become a nationally adopted campaign to help raise critical funds for childhood cancer research. Events which are held all over the country encourage participants to shave off their locks in the name of cancer research, in hopes of inspiring donations from their friends, family and colleagues. The events raise millions of dollars a year.

While they strive to improve the greater good, non-profits need partners on their side helping to protect them from the risks of operation. At the Dryfoos Group, we have always been very involved in working with not-for-profit organizations and charities throughout PA and have developed an extensive portfolio to fit the unique needs of the not-for-profit industry. From property insurance to liability coverage, we can help PA non-profit organizations find the best business insurance solutions to mitigate all their risk exposures. Give our PA non-profit insurance specialists a call today at (888) 548-4953 to learn more about our unique approach.

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