We provide deep expertise, attentive service and tailored business insurance solutions to help manage exposures and minimize loss across a wide array of industries.
Our wide range of business insurance products and solutions are specialized to meet a variety of insurance and risk management needs for businesses of all sizes.
With an average of more than 20 years of experience, CNA Risk Control professionals drive a program of systematic, sustainable risk control solutions designed to increase productivity and help protect your bottom line.
We provide deep expertise, attentive service and tailored business insurance solutions to help manage exposures and minimize loss across a wide array of industries.
Our wide range of business insurance products and solutions are specialized to meet a variety of insurance and risk management needs for businesses of all sizes.
With an average of more than 20 years of experience, CNA Risk Control professionals drive a program of systematic, sustainable risk control solutions designed to increase productivity and help protect your bottom line.
Why brokers should ask clients about their HR departments
By asking if a business client has a human resources department, a broker can quickly find out about that client's liability exposure.
"From an underwriter's perspective, having an HR department suggests that a set of rules likely exist and are followed," added Denis Panariti, CNA Canada's underwriting manager of management liability and financial institutions. This would help underwriters get comfortable with an insured's legal exposure.
An HR professional would know about legal requirements and what written policies, such as pay and vacation, a workplace should have. For example, Ontario Bill 148, passed into law in November 2017, is omnibus legislation that raises minimum wage and increases the length of leave, among other things. It is just one example of a law of which employers should be aware, Panariti said.
canadacontent/SA-Canada_en/SA-AboutCNA/SA-Newsroom/SA-InTheNews/nr-why-brokers-should-ask-clients-about-their-human-resourceWhy brokers should ask clients about their human resource departments