Glosario de términos de gestión de recursos humanos y beneficios para los empleados
Employee liability insurance is a critical component of risk management for businesses, offering protection against various legal claims and financial losses arising from employee-related issues.
Liability insurance is a type of insurance policy that provides protection to individuals and businesses against claims resulting from injuries, accidents, or negligence that cause harm to other people or property. It helps cover legal costs, medical expenses, and damages awarded in lawsuits.
Employee liability insurance, such as Employment Practices Liability Insurance (EPLI), Directors and Officers Liability Insurance (D&O), and Errors and Omissions Insurance (E&O), provides coverage for various risks related to employees, including claims of discrimination, wrongful termination, harassment, mismanagement, negligence, or errors in professional services.
Employee Benefits Liability Insurance covers the business against errors or omissions in the administration of its employee benefits program. This can include claims related to mistakes in handling employee benefits such as health insurance, retirement plans, or other employee benefits packages.
The different types of employee liability insurance are:
The benefits of employee liability insurance are:
The factors to consider when purchasing employee liability insurance are:
Se trata de encuestas cortas que pueden enviarse con frecuencia para comprobar rápidamente lo que piensan sus empleados sobre un tema. La encuesta consta de menos preguntas (no más de 10) para obtener la información rápidamente. Pueden administrarse a intervalos regulares (mensual/semanal/trimestral).
Celebrar reuniones periódicas de una hora de duración para mantener una charla informal con cada uno de los miembros del equipo es una forma excelente de hacerse una idea real de lo que ocurre con ellos. Al ser una conversación segura y privada, te ayuda a obtener mejores detalles sobre un asunto.
El eNPS (employee Net Promoter score) es una de las formas más sencillas pero eficaces de evaluar la opinión de sus empleados sobre su empresa. Incluye una pregunta intrigante que mide la lealtad. Un ejemplo de las preguntas del eNPS son ¿Qué probabilidad hay de que recomiende nuestra empresa a otras personas? Los empleados responden a la encuesta eNPS en una escala del 1 al 10, donde el 10 denota que es "muy probable" que recomienden la empresa y el 1 significa que es "muy poco probable" que la recomienden.
The cost of employee liability insurance can vary widely depending on factors such as the size of the business, the industry, the coverage limits, deductible amounts, and the specific type of liability insurance purchased (e.g., EPLI, D&O, E&O). It's advisable for businesses to request quotes from insurance providers to get accurate pricing.
The way to obtain employee liability insurance includes:
By understanding these aspects of employee liability insurance, businesses can mitigate risks, protect their assets, and ensure financial security for both the company and its employees.
General liability insurance typically covers third-party bodily injury or property damage claims, such as those from customers or visitors. However, it may not cover injuries to employees. For coverage of employee injuries, businesses usually need workers' compensation insurance.