8832 BLAKENEY PROFESSIONAL DR, SUITE 203, CHARLOTTE, NC 28277   PHONE 704-759-1300 

 

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BUSINESS INSURANCE

Businesses of every size and type are exposed to unique and inherent risks. Accidents occurring in the workplace are common and no business is immune to the dangers presented at a job site. Although accidents are inevitable, you can purchase insurance protection for every risk your operation may encounter. Opting out of insurance coverage will leave your business vulnerable to the risks and potential risks that threaten your business. It only takes one accident or lawsuit to put you out of business. Do not underestimate the importance of insurance security. It will be the roadmap to the financial security of your business and your future.

Whether you are a contracting business, a member of the service industry, a wholesale distribution center, or an information technology firm, your company’s assets will be covered. We offer products that will protect every aspect of your business.

Coverage types:

  • General Liability - General liability insurance plan will be there to defend you if a small mishap turns into a large lawsuit
  • Product Liability – If your product causes bodily injury or harm to a customer, product liability will cover you against financial loss.
  • Professional Liability/Errors and Omissions - Professional liability covers professionals for negligence and errors or omissions that clients claim have injured them.
  • Workers Compensation - Workers compensation insurance covers medical expenses, permanent disability, and a portion of the injured employee’s wages.
  • Commercial Property - Commercial property insurance helps businesses pay to repair or replace buildings, associated structures, and contents damaged or lost because of fire, storms, theft.
  • Commercial Auto – Protects your business’s vehicles.
  • Business Owners Policy – A package policy that includes several coverage’s that will protect many aspects of your business. An attractive option for many business owners as it is often significantly cheaper.

Pruitt Insurance Services will provide your business with a free analysis and evaluation to determine which coverage’s will best meet the demands of your business. If you already have business insurance, we will do our best to find you protection that is more affordable. Since we aren’t tied to a single carrier, we will shop the top insurance providers to find you reliable and affordable business insurance.

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 MAKE SURE YOU & YOUR COMPANY ARE PROTECTED

EEOC Discrimination Complaints Near Record Highs in 2009

According to its January 6, 2010 press release, the U.S. Equal Employment Commission announced that near record numbers of workplace discrimination charges were filed with the agency in the fiscal year ending September 30, 2009. As reflected in the agency’s there were 93,277 charges filed in FY 2009, which is the second-highest number the agency has recorded. 

Consistent with recent historical trends, the most frequently alleged types of discrimination are race (36%), retaliation (36%) and sex-based discrimination. Allegations based on age-based disability (up about 10%), religion (up 3%) and/or national origin (up 5%) hit record highs. Allegations of age-based discrimination reached the second-highest level ever. 

The EEOC also reported that through its enforcement, mediation and litigation programs, the agency "recovered more than $376 million in monetary relief for thousands of discrimination victims." The EEOC’s press release states that the "near-historic level of total discrimination charge filings may be due to multiple factors," including "greater accessibility of the EEOC to the public, economic conditions, increased diversity and demographic shifts in the labor force, employees’ greater awareness of their rights under law." 

The sustained record level of EEOC charge filings during the fiscal years 2008 and 2009 should be a matter of concern for every employer. These figures not only underscore the need for every employer to adopt and implement best employment practices, they also highlight the need for every employer to procure employment practices insurance as a critical and indispensable part of their insurance program. 

The EEOC’s suggestion that the heightened level of filings of individual charges is due in part to the economic conditions and to employees’ greater awareness of their rights also suggests that, as the current economic downturn drags on, the elevated filing levels could continue for some time to come. 

January 6, 2010 National Law Journal

 Contact us regarding Employment Practices Liability (EPL) Coverage and options for your company.

 
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