Downloadable Forms
|
Are you properly Covered? Your staffing firm’s liability extends beyond the four walls of your office. Your liability extends to the temporary employee at the client’s job site. Many general and professional liability policies are not written to cover temporary staff at the client’s site. Is yours? |
Downloadable Forms
|
Products |
|
|
General Liability This policy protects you and your business against liabilities that arise from your daily operations and the services you render for which you may become legally responsible as a result of bodily injury or property damage to a third party as a result of negligence. Coverage is provided for your office location and at your customer locations. Property Including coverages such as: Office Contents, Property of Others, Business Income and Extra Expense, Valuable Papers, Accounts Receivable, Computer Hardware, Computer Software/Media, Computer Extra Expense, Computer Business Interruption and Power Outage. Hired and Non-Owned Auto Non-Owned Auto coverage protects your company in the event that your company is sued as a result of an auto accident that you or one of your employees has in a personal vehicle while on company business. This coverage will not protect you or your employee personally. Only your personal auto policy will do that and is not primary. Crime Bond (Employee Dishonesty) This protects a firm against employee dishonesty either at the employer’s office or when placed as a temporary employee at a client location. See insured and clients coverage. Errors and Omissions A professional liability policy covering the policyholder for negligent acts and omissions that harm his or her clients. This coverage should insure the insured’s temporary staff while working at the client’s location. Employment Practices Liability EPLI provides protection for your firm against allegations of sexual harassment, discrimination, failure to promote, wrongful termination, and other employment-related liability issues. The nature of Staffing and employee turnover in the industry makes this coverage an absolute need for staffing firms. Directors and Officers D&O provides financial protection for the directors and officers of your company in the event they are sued relative to the performance of their duties. Umbrella / Excess Umbrella policies generally increase coverage limits for the General Liability; Hired and Non-Owned Auto and Employer’s Liability for a single premium. Coverage over errors and omissions is available with some insurance companies for an additional premium. Medical Professional This covers your professional liability if your business is providing medical staffing personnel, protecting you against loss from a claim of alleged negligent acts, errors, or omissions in the performance of your employee’s professional medical services. This policy covers W2-type employees and in some cases may be extended to independent contractors should the insurance company agree. Workers’ Compensation CTK North American offers Workers’ Compensation and Employers Liability for it’s clients. Workers’ Compensation is available in various forms. Captives, High Deductible Programs and Guaranteed cost are a few of the options available to our clients. Associated coverage such as Employers Liability and Stop Gap coverage are also available through CTK. Employers Liability Part B of the workers compensation policy that provides coverage for lawsuits filed by injured employees who, under certain circumstances, can sue under common law. Wage and Hour Wage and hours addresses claims involving claims of alleged employer violations and federal or state laws that govern how employers are paid. Corporate Identity Protection Offers protection to you and your clients when personally, identifiable information is lost due to wrongful act by an assigned worker, or a breach of security on your computer system. Surety Bonds A contract guaranteeing the performance of a specific obligation. Simply put, it is a three-party agreement under which one party, the surety company, answers to a second party, the owner, creditor or “obligee”, for a third party’s debts, default or nonperformance. International Liability and Employers Responsibility
CTK North American offers International liability coverage for firms placing personnel around the world. We also offer Employers Responsibility (similar to Workers’ Compensation for international risks). Other international coverage includes Accidental Death and Dismemberment, Repatriation, Kidnap and Extortion, etc. |
Services |
|
|
Claims Assistance Should a liability claim occur, CTK offers assistance in reporting, communicating with claims adjusters, and tracking claims with the insured. Billing Assistance Our Customer Service Representatives provide assistance with billing matters. When requested, we act as liaison beween the insured and the finance company to clarify billing questions and concerns. Legal Assistance Hotline (E&O & EPLI) Some of our select Errors and Omissions and Employment Practices Liabiltiy carriers offer legal assistance to our insureds. The will provide support on questions related to hiring, firing, harassment, and discrimination. International, National and Local Coverage Areas Whether you are placing a temp in your local community or sending temporary employees to foreign countries, we have the coverage available to meet your needs; including kidnap and ransom coverage. Same Day Certificates
Same Day Certificates are provided to our clients provided we receive the necessary information before 3:30pm pst of the same day. Additional Insured and Waiver of Subrogation requests may require additional time for underwriter review. |
Workers’ Compensation |
|
|
Experience Modifier Projections CTK North American offers Workers’ Compensation Experience Modifier projections. This information allows you to make educated, proactive decisions about billing rates and costs. Workers’ Compensation Claims Support CTK North American provides Workers’ Compensation claims support to our customers. We have a dedicated department designed to help you manage claims. Our experienced claims tracking and follow-up help keep claims costs down for our clients Unit Statistical Review CTK North American offers Workers’ Compensation Unit Stat reviews. Insuring carriers report premium and loss information to State Rating Bureaus. CTK works with our clients to get the most accurate information reported to the Rating Bureaus. This helps avoid unnecessary costs through inflated experience modifications. Safety Manuals (IIPP) CTK North American offers its clients safety manuals, including Injury Illness and Prevention Programs, mail stuffers, posters, etc... Education is the first step in preventing losses and the first step in reducing your costs. Risk Management & Safety Training CTK North American offers educational training in controlling your risks in the work place such as safety (lifting, horseplay, tag in/tag out), to recruiting best practices as well as liability risks such as Fraud, Errors and Omissions, Employment Related risks and other areas of liability. Client Site Inspection (Local) To our local workers’ compensation clients, CTK provides client site safety inspections. We will provide a low key walkthrough with your on-site or off-site manager to develop safety suggestions for you. Yet another step in lowering your workers compensation costs. Industry Email Updates
Information is the key to your decision making processes. CTK has taken advantage of today’s technology and improved our ability to provide you with timely e-mail updates on insurance changes where it affects you and the staffing industry as a whole. |
CTK North American Insurance Services is now part of the INSURICA Insurance Management Network.
Please visit our new web site by clicking on the INSURICA Logo below.
