A recent rush of errors and bad judgment brought to light in public schools, universities, town services and youth organizations, have shown that even with proper protocols in place, bad hires can be made and can result in allegations of sexual assault. First and most importantly, what can we do to protect our youth? And secondly, what can we do to protect our valued institutions?
Following proper protocol for hiring is the best prevention mechanism to implement and can assist in managing the potential risks. This process needs to be followed precisely for both prospective hires and any volunteers. As part of the screening process, criminal (CORI) and motor vehicle (MVR) checks as well as references should be obtained and reviewed without exception. CORI and MVR checks can be outsourced Read more…
With the Workers Compensation market tightening up, many risks are being forced to secure coverage through an Assigned Risk Pool. Approximately 15% of all Massachusetts risks are currently assigned to the pool, but this percentage could increase with the anticipation of Chartis and ACE pulling back and showing less of an appetite for this line of coverage.
In Massachusetts, members within the pool are eligible for what is known as a Qualified Loss Management Plan (QLMP), which is a prospective credit for a period of up to four years. Since the assigned pool is becoming more common, we thought a refresher on the QLMP premium credits were in order.
In the early 90s when the pool was heavily populated, QLMP providers were retained frequently to offset premium costs and improve the risk profile. These providers help insured’s put protocol in place to avoid or reduce losses, i.e. safety manuals, develop back-to-work programs, Read more…
