IMPORTANT NOTICE - RESIDENTIAL CLEANING PROGRAM RELATING TO INSURANCE AND LOSS CONTROL
The Employee Dishonesty coverage provided under our program does not cover any individual with a prior criminal history. More precisely, your policy states that insurance under this coverage part is terminated as to any "employee" immediately upon discovery by you or any partner, officers, or directors not in collusion with said "employee" of any dishonest act committed by that "employee," whether before or after becoming employed by you.
Subject to your state employment regulations and the Fair Credit Reporting Act, you should pre-screen potential employees regarding criminal history. We recommend a state-wide background check for the employee's state of residence (if they recently moved to your state, you would want to order a background for the state where they lived previously). If your inquiry raises the question as to whether a particular offense or incident rises to the level of "dishonest act," please feel free to contact our office for further guidance.
NOTE: It is not necessary to contact the agent/insurance company to add and delete individuals for bonding purposes. Employees are automatically covered under the program's Employee Dishonesty coverage, unless they are disqualified under the terms outlined above.
Criminal Background Check reports are available in most states. Contact us if you'd like information on finding a vendor.
Subject to your state employment regulations and the Fair Credit Reporting Act, you should pre-screen potential employees regarding prior driving history. Whenever you hire someone whose duties will include driving, please provide us with their complete name, date of birth, and drivers license number/state. These drivers should be reported to us upon hire.
The recommended procedure when hiring a new driver or promoting an employee to driving status is to review driving history before hire or promotion. Many employers have new drivers bring in a copy of their motor vehicle record, which can be obtained by them from the Dept of Motor Vehicles. This will prevent unacceptable drivers from being allowed to drive before you are aware of their driving history. Also, it will save you the trouble of hiring and training them only to find that they cannot be insured to drive under your policy.
The insurance company is not responsible for pulling Motor Vehicle Records on your drivers. Pre-screening drivers is the responsibility of the employer.
Motor Vehicle Records are also available for purchase by employers in most states. Contact us if you'd like information on finding a vendor.
- Business Use of Employee-Owned Vehicles
NOTE TO OUR CLIENTS WITH HIRED & NONOWNED AUTO LIABILITY, WHOSE EMPLOYEES DRIVE THEIR PERSONAL VEHICLES FOR BUSINESS USE: Due to the fact that your insurance company is providing liability coverage on hired and non-owned autos, they want to ensure that employees using their own vehicles for your business have Personal Auto Policies. You should obtain from each employee a copy of their Personal Auto Insurance declarations page showing that they carry a liability limit of no less than $300,000 combined single limit for bodily injury and property damage. These should be kept updated in your file as they expire.