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Yvette Beaubien, Esq., Director Property & Casualty Claims

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Insurance Claims Spooky Story #5: It Was a Dark & Stormy Night

By Yvette Beaubien, Esq., Director Property & Casualty Claims

clock October 31, 2014 at 10:00 AM

You sell Halloween and Christmas lights, so October is an especially busy time of year.  Your storage facility is filling up quickly and you have to make space today for your new shipments that arrive this afternoon.  You decide to move all of your Christmas lights to an off-site storage facility.  You quickly sign the one page contract and your team moves the product to the new facility.  You forget to call your insurance broker to let them know that you are now using another location to store inventory. 

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Topics: Property + Casualty

Insurance Claims Spooky Story #4: Halloween Costumes- An HR Nightmare

By Yvette Beaubien, Esq., Director Property & Casualty Claims

clock October 30, 2014 at 10:00 AM

The dress code at your company is business casual and a group of young employees all plan to dress up in scary costumes for Halloween.  The group of employees have decided to conceal scary movie-like bloody wounds under their work clothes.  They have been showing off their elaborate and scary theatrical work to other employees. 

You decide that this is inappropriate and reprimand the employees.  One of the employees takes offense, as other employees are permitted to wear ‘fun’ costumes and shirts.  The employee feels discriminated against and files a claim with the Department of Fair Employment and Housing (DFEH).  The DFEH sends you a notice of the claim. A year goes by and the employee is terminated for non-performance. The employee brings a lawsuit for discrimination, alleging the prior incident involving the Halloween costumes.

Will your employment practices policy respond to this lawsuit?

Wake up from your HR nightmare safe and sound by taking the following action:

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Topics: Property + Casualty

Insurance Claims Spooky Story #3: The Scary Clown Hacker

By Yvette Beaubien, Esq., Director Property & Casualty Claims

clock October 29, 2014 at 10:19 AM

You sell face paint to retailers and online in the United States, but your supplier is located in a foreign country.  You regularly wire payments to your overseas vendor for face paint.  Scary clowns are all the rage this year and your clown face paint kit is selling like hot cakes—your retailers have placed another purchase order for 100 cases by October 1st. Your supplier needs you to pay past due invoices by the end of day in order to make this deadline. However, your accounts payable clerk and CFO are out of the office attending a seminar. 

You receive the email from the supplier with the amount payable and a notification that the wire transfer account information has changed.  You don’t have time to wait for the CFO and accounts payable clerk to return, so you go ahead and make the payment.  Two days later the supplier emails you to request payment and confirm you still want the product shipped for delivery by October 1st. You check your online bank account and see the money has cleared. The bank confirms that the money was transferred, but to an account in New York.  You go back to the email you received and notice that the sender’s email address was not but  You’ve just been tricked in the worst way.  

To avoid this trick in the future, treat yourself to the following smart business practices:

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Topics: Property + Casualty, Cyber & Data Security, Technology

Insurance Claims Spooky Story #2: The Deadly Corn Maze

By Yvette Beaubien, Esq., Director Property & Casualty Claims

clock October 28, 2014 at 10:00 AM

You operate a haunted corn maze and employ outside vendors to help set up the maze and make sure it’s safe.  One vendor, Chuckie’s Plumbing, installs and sets up the fog machine for the haunted  maze.  After one of the goblins passes out from toxic fumes from the fog machine, Chuckie’s Plumbing is called to repair the machine.  Again, the fog machine malfunctions producing toxic fumes and Chuckie and his crew become sick.  They are transported to the hospital where the crew members are treated and released but, sadly, Chuckie dies a few days later. 

You find out that Chuckie’s Plumbing does not have insurance including workers compensation insurance.  You also discover that you do not have a contract with Chuckie’s Plumbing and did not request certificates of insurance or any additional insured status. 

Will your insurance policy have to pay for Chuckie’s untimely death and does it cover for toxic fumes?  Are you insured now that the corn maze is closed due to lost profits?  Are you insured for the goblin’s visit to the hospital?

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Topics: Property + Casualty

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