Edgewater Adopts New Wage and Hour Guidelines
February 2009. Edgewater has published new supplemental applications for Wage and Hour Defense Only Coverage. This coverage has become popular in California and some other states and is available for most classes of business. The new applications simplify the process. For most classes the supplemental application is a simple claim and incident query. For more difficult classes such as restaurants or retail establishments the number of questions has been reduced. We have also included a document that will help you our broker understand the purpose behind the questions so that you may assist your client. The addition of the coverage to the EPLI policy requires a minimum additional premium of $1,000 and is usually priced at a 10% surcharge of the base EPLI premium. Form more information click here W&H
Call the Helpline before you Downsize
March 2009 Discrimination claims filed with the Equal Employment Opportunity Commission jumped 15 percent in fiscal 2008 to 95,402 — the highest level since the agency opened in 1965, said spokesman David Grinberg. That is up from 82,792 claims filed the year before by workers who believe they were discriminated against because of age, race, religion, gender or other reasons. Insurance industry data indicate that wrongful termination is alleged in almost 80% of EPLI claims. The frequency of claims positively correlates with the unemployment rate.
All policies offered by Edgewater wil reduce the SIR by 50% if the insured call's the Helpline before the Reduction in Force action is inititiated. Talking over the move with an experienced litigator may help you avoid an EEOC claim for wrongful termination. Even if a claim results, the Helpline lawyers will assist you in preparing your documentation to fight the case. Because this risk manangement has proven so effective, our insurance partners have agreed to offer this financial incentive.
Criminal Background Checks: A New Benefit for EPRMA Members
February 2008. Criminal Background Screening package package will include; Social Security Number Trace, Address History Search, Seven year County Criminal Court Search, Multi-State/Multi-Jurisdiction Criminal Record Locator Search and 50 State Sex Offender Search. All client information, as well as all sources for this information meet the guidelines set forth under the Fair Credit Reporting Act (FCRA) and applicable state laws pertaining to consumer reports. For more Criminal Back Ground Check information, click here CBC
Welcome Agents and Brokers: How to Use this Web Site
Edgewater specializes in Employment Practices Liability Insurance. We were a pioneer in the field and it is all we do. We designed this web site to provide you with the tools you need to sell EPLI policies. In this web site there is a significant amount of information that will help you become better informed You will find:
- Applications and specimen forms. Please try out our new automated forms.
- Brochures you can download and send to an applicant or sub producer. These can be printed or emailed. We also have content that you can cut and paste to create your own brochures. GO TO BROCHURES
- Articles that have been published in journals and magazines. If you want to co-author an article to submit to a trade journal or a client's newsletter please let us know.
- Background information. Feel free to cut and paste. If you need to get more comfortable on a topic please call us.
- www.EPRMA.org is for employers. There is a significant amount of information about exposures and risk management - with no links to insurance companies or competing brokers.
To help organize the material we have established a site map. Our breadth of experience has allowed us to form strategic alliances with our carriers, Martin LaPointe of Burke Warren MacKay and Serritella, Comply America and Insurance Brokers across America. We integrate underwriting, claims handling, and Risk Management to provide superior products and unique services to businesses of all sizes. We underwrite accounts on an individual risk basis and we have been especially effective with businesses that have losses or unusual exposures. We have accumulated data and underwriting acumen to underwrite affinity groups as varied as the California Medical Association and the National Association of Small Employers. If there is information that you think will be helpful please let us know and we will try to include it. Click here to navigate to the Site Map
