Are You Prepared To Handle Claims of Sexual Harassment?
While no one wants to admit that sexual misconduct in the workplace happens, the truth is that it does. Employers are responsible for providing a safe and friendly environment for their employees, so it is a good idea to understand what constitutes sexual harassment and what an insurance policy can help with.
Insurance Can Help
Sexual harassment can come in many forms and can affect anyone, not just women. Many times, this comes across as inappropriate and unwanted physical contact and abusive language. It is not uncommon for these events to occur at company parties where alcohol may be served. However, it can happen at any time and employers should be prepared. According to World Wide Speciality Programs, sexual liability insurance usually covers the following:
- Claim investigations
- Training about what is accepted behavior
- Negligence during the hiring process
- Failure for not reporting abusive employees
There are certain things your business should do to minimize the risk of sexual harassment, such as making sure you clearly outline what behavior is acceptable and what will not be tolerated. This shows employees that you are serious about their wellbeing and creates a positive environment.
Don’t Forget Your Insurance Policy
It is entirely possible that your business may never have to face a sexual misconduct claim. However, you should still be prepared for the worst outcome by having the necessary insurance in place to help out just in case.