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All California companies can benefit from a commercial umbrella insurance policy.

With the number of lawsuits filed each day rising, it has never been more important to invest in a commercial umbrella insurance policy. People are more apt to sue a company or professional than ever before. The protection that is provided by a commercial umbrella insurance policy can help to make sure that your business has the right amount of coverage.

Umbrella insurance is meant to provide additional liability coverage that goes beyond the liability that is provided by your other business insurance policies. Without an umbrella policy, you would be left relying on a typical business liability policy. The limits of a liability policy can quickly be exhausted after just one lawsuit. If you don’t have umbrella insurance, you would be left paying for the rest of the coverage out of your business accounts, which could easily bankrupt your company.

There are many situations that your California company may encounter that your umbrella policy would cover, including:

If one of your employees says something on social media that is damaging to a corporate entity or person while at work.
A client takes a financial loss due to advice that one of your staff members provides in a consulting capacity, such as financial advice.
A customer slips on a wet walkway on their way into your business and is injured.
A client is seriously injured or dies after using a product that your company provides.
An employee speeds through a yellow light in a company car, causing property damage and several injuries.

Since there is no way to know when an accident will occur, having the right amount of coverage at all times can help to give you the peace of mind that you deserve. Contact the insurance experts at Stromsoe Insurance to help you find the right business insurance policies that will fit your needs.

Social media has revolutionized not only the way we stay connected in our personal lives, but also how we conduct business. However, this asset can quickly turn into a liability if misused – for example, in recruiting your company’s most valuable asset – its employees.

Many employers begin the hiring process by using social-media outlets to screen applicants. LinkedIn and Facebook can provide a wealth of information about applicants’ education, their friends, and their personal behavior. Some companies reject candidates based on the content of their social-media pages. This might include anything from inappropriate photos or comments, discriminatory or slanderous statements, and references to alcohol and substance abuse, to sharing confidential information about their previous employers(s), displaying poor communication skills, or exaggerating their qualifications.

Although all of these indicators raise red flags, you could be risking a costly and annoying discrimination lawsuit if you access social-media sites which contain protected class information that’s not privileged in the normal hiring process.

To minimize this risk, it makes sense to:

When hiring, use outside third parties such as background-verification companies and/or recruiters who document content from social-media sites in selecting candidates.

Develop and enforce a comprehensive social-media usage policy.

Purchase an Employment Practices Liability Insurance (EPLI) policy

For more information, please feel free to get in touch with our agency (877)994-6787