Jamie Glanz is the claims director at
Assurance. With more than 20 years of
experience, Glanz is an expert in mitigating
third-party claims by reducing claim duration and incurred expenses. Throughout
her career she has managed claims across
multiple lines of coverage and industries
including construction, governmental agencies, healthcare, manufacturing and retail.
fer program for multiple reasons:
may not be in compliance with the re-
•;The;certificate;could;be;issued;in;er-ror (in that it provides no guarantee
of coverage or insurance based on the
•;What;is;interpreted;to;be;“similar;lan-guage” on a manuscript form may not
be the same coverage that was requested
via the contract language and the known
ISO additional insured endorsements.
3. Supplemental insurance coverage
When risk transfer is not an option, services are being provided internally or
there is a desire to insure a risk — there
are various coverages available. General
Liability and Workers’ Compensation insurance are the coverages most commonly associated with the above-mentioned
risks; however, there are a few others that
also could also be beneficial including
Crime, Employment Practices Liability
and Professional Liability.
Crime coverage provides protection
against employee theft and dishonesty.
Third-party crime coverage can also be
added. In situations where janitorial,
maintenance and security services are
provided by outside vendors, this coverage can be required via contract to enhance the risk transfer program.
Employment Practices liability is coverage to protect an insured from their
wrongful acts against employees or potential employees in employment situations.
By adding third-party coverage to an
employment practices policy, additional
coverage is added to cover wrongful acts
(like discrimination and harassment) by
employees against non-employees such
as clients, customers and vendors.*
Professional Liability insurance or errors and omissions coverage is for enterprises that offer professional and personal
services. It provides protection in the
event that a client is harmed from a service such as security or advice provided
for which an enterprise, mall or facility is
held legally liable.
Janitorial, security and maintenance
services pose unique risks to the enter-
prises they serve when interfacing with
customers, patients and the general pub-
lic — regardless of whether they’re direct
employees, or employees of a vendor
providing these services. A thorough as-
sessment of the exposures, risk transfer
vehicles and supplemental insurance cov-
erage can help mitigate those risks.
*As with any insurance coverage, language
and application should be reviewed specifically on each policy.
Competing priorities, insufficient resources and lack of subro
awareness can bog down your recovery efforts. Spartan
Recoveries understands the obstacles in managing a successful
subrogation program. We offer customized solutions to support
your subrogation initiatives and free up your recovery assets.
Don’t let your recovery Dollars sink in the muD…
Call Spartan Recoveries at 866-780-0876 for a no obligation
consultation. Visit our website at www.spartanrecoveries.com.
Superior Technology — Outstanding Results
an unsuccessful subrogation
program can leave your
assets mireD in the muD