A true risk management program is founded upon a dedication to taking proactive measures to identify and reduce exposures. A recent survey conducted by Tillinghast revealed three out of every five business will be sued this year by an employee or former employee over an employment practice. Department of Labor Statistics reflect 20% of all cases filed in Federal Court are Employment Practices Suits.





With statistics and trends like these in mind, and as part of a continuous drive to improve and expand the services we provide to our clients, we developed an additional division to our organization. This division focuses on risk management- shifting, reducing and eliminating potential exposures, fines and litigation. We are members of an exclusive national organization which monitors trends, legislation and court precedent on issues relating to employment practices and insurance. Through various mechanisms we educate clients on topics related to risk, perform compliance audits, facilitate training, teach documentation procedures and disseminate updates on the following four categories:

• HR Administration (Employee Handbooks, Harassment, Job Descriptions)
• Benefits Administration (COBRA, Section 125, FMLA, ERISA)
• Safety ­ OSHA
• Loss Control- Workers' Compensation

*Distinctive Insurance does not provide or attempt to provide legal or tax advice. Risk management programs are never a substitute to competent legal advice. We always recommend employers have a strong relationship with an employment law attorney.