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Protecting Institutions from Employees

Apples are wonderful, but it only takes one bad apple to spoil the bunch. The same can be said of employees. Most are wonderful, well-intentioned contributors to a culture of success.

However, one employee acting irresponsibly can cause a great deal of harm to any organization. For example, take the recent case of Pennsylvania State University and their former assistant football coach, Jerry Sandusky.

For the few people in the country unfamiliar with this tragedy, Jerry Sandusky was convicted in June of sexually abusing several boys. Most were abused inside of campus buildings, which is not only horribly tragic, but put the university itself under legal fire. According to Chad Hemenway of Property Casualty 360, Penn State finds itself now sorting through multiple settlements for Sandusky’s victims.

Fortunately for Pennsylvania State, the university was prepared beforehand with what PSU President Rodney Erickson calls “multiple stacks of civil liability insurance…to cover the defense of the university’s executives, employees, trustees and so forth.”

Civil liability insurance, as offered through XINSURANCE, can protect an organization, large or small, from the reckless actions of a single employee or client. For business owners, civil liability insurance is the surest way to protect against personal asset risk. In the case of an employee or client making claims (e.g. discrimination, sexual harassment, assault, etc.), regular business insurance policies may not cover the damages. Commercial liability insurance is designed to keep business owners safe from the day-to-day legal risks they all experience, and custom liability insurance policies are also available for business owners to cover the gaps left by traditional insurance policies.

Through XINSURANCE, workers in hundreds of different occupations—hairdressers, landscapers, cooks, river guides, medical professionals, you name it—can target these gaps and gain peace of mind. Make your business not only profitable, but also a lot less risky—get insurance.