February 29, 2012
Have you ever been summoned for jury duty? Well, let me tell you a little about it. You HAVE to go; no if, and, or buts about it.
You are sometimes allowed to reschedule, but you’ve still got to do your time. Missing work, school, birthdays, weddings, or whatever it may be is inconvenient to say the least. What if the case continues on for weeks or even months? Now can you imagine if you weren’t on the jury, but were the defendant?! It can happen easier than one might think, especially for all you professionals out there.
Thinking that you’re completely protected from lawsuits is a rather naïve assumption, especially nowadays. Recent trends in court decisions have been holding HR practitioners, supervisors, business owners, and other decision-makers personally liable for their actions under several employment laws. Click here to read more »
February 28, 2012
Don’t you hate exceptions? Like when you have a 50% off coupon to the restaurant you love and you go there only to find out the coupon is not valid at that location. Or, say you enter to win a drawing and the fine print says, “You must live in _____ to qualify” or “You must be ____ age to apply” and you are disqualified? A lot of times, it just doesn’t seem fair.
At XINSURANCE we get that. That’s why we aim to insure what other insurance policies consider an exception and leave out of what they cover. Click here to read more »
February 24, 2012
It’s an unfortunate fact that the world in which we live is getting a little litigious. Lawsuits these days can pop up out of anywhere, and they aren’t always legitimate.
Frivolous lawsuits are especially present when your net worth gets higher. Sometimes, personal lawsuits can seek up to two-to-five million dollars, and for people who live or work in lawsuit-heavy industries (i.e. nonprofit organizations, condominium rentals, etc.), it might be a good idea to evaluate where your regular home policies might fall short, and where a personal liability policy might be a good idea.
A friend of mine works with kids, coaching sports at a local school. While most of us question her sanity, we also admire how much good she does in the lives of those girls. She told me a story, though, that made me realize how sticky a situation working with kids can be. Click here to read more »
February 22, 2012
Frivolous litigation is essentially lawsuits that have no legal merit – no legal sense – and usually little chance of being won. These kinds of cases typically seem so ridiculous that most people can’t help but snicker when they hear about them; like suing the restaurant where you dropped your coffee on yourself and got burned.
Other examples of such trivial pursuits include football fans who sued referees, fathers prepared to litigate over their fifteen-year-olds’ positions on high school athletic teams, a purchaser of Cracker Jacks who demanded damages for a missing prize, and a McDonald’s customer who sought $15,000 for damage to his teeth and marital relations caused by a defective bagel. Click here to read more »
February 14, 2012
If your work clothes are workout clothes and your office is a gym, you are in the market for fitness instructor insurance. Your job is to motivate people to reach past their limits to do one more crunch, bench press, or squat. You coach them through new moves, correct their form, and then push them to do even better. Fitness instructors are sought after by a growing baby boomer population as this generation strives to remain active throughout their lives. Years of education, experience and building your client-base has formed the foundation for your business. You don’t want to loose everything over one bad experience. Click here to read more »
February 14, 2012
XINSURANCE will be represented at the LEAP Symposium , March 21-23, 2012 at the Aria Hotel, Las Vegas Nevada. There is a growing trend of employees seeking to solve workplace disputes through Litigation and HR managers and consultants are faced with individual liability exposure. XINSURANCE can cover the gaps and provide important protection. This is the 2nd year that the LEAP Conference has welcomed us to meet and advise major decision makers in the HR profession.
February 10, 2012
Businesses take risks. That’s the way it is. Business is risk. But, businesses also do everything they can to protect themselves. One way they protect themselves is to hire Human Resource professionals to ensure the business does not cross governmental legal parameters in regards to employee rights.
The ironic thing is that these same HR professionals can actually be at risk themselves. Employment litigation is becoming increasingly common in the USA. And plaintiff attorneys are not only suing the companies, but also the managers and supervisors, including HR managers. Click here to read more »
