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Glosarium Manajemen Sumber Daya Manusia dan Ketentuan Tunjangan Karyawan
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:
Ini adalah survei singkat yang dapat sering dikirim untuk memeriksa pendapat karyawan Anda tentang suatu masalah dengan cepat. Survei ini terdiri dari lebih sedikit pertanyaan (tidak lebih dari 10) untuk mendapatkan informasi dengan cepat. Ini dapat diberikan secara berkala (bulanan / mingguan / triwulanan).
Mengadakan rapat berkala selama satu jam untuk obrolan informal dengan setiap anggota tim adalah cara terbaik untuk mendapatkan gambaran sebenarnya tentang apa yang terjadi dengan mereka. Karena ini adalah percakapan yang aman dan pribadi, ini membantu Anda mendapatkan detail yang lebih baik tentang suatu masalah.
eNPS (employee Net Promoter score) adalah salah satu cara paling sederhana namun efektif untuk menilai pendapat karyawan Anda tentang perusahaan Anda. Ini termasuk satu pertanyaan menarik yang mengukur loyalitas. Contoh pertanyaan eNPS meliputi: Seberapa besar kemungkinan Anda merekomendasikan perusahaan kami kepada orang lain? Karyawan menanggapi survei eNPS pada skala 1-10, di mana 10 menunjukkan bahwa mereka 'sangat mungkin' untuk merekomendasikan perusahaan dan 1 menandakan bahwa mereka 'sangat tidak mungkin' untuk merekomendasikannya.
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.
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