An Overview of Commercial General Liability Insurance - Commercial General Liability insurance is designed to protect business owners from a variety of exposures. It can cover liability arising from accidents on or off premises, to products sold by the insured that result in injury to the user, to contractual liability, leaving an owner free to concentrate on managing their business.

Screening Prospective Staff is Sound Risk Management - Know whom you are hiring up front to save yourself wasted resources down the line.

When Backing Up, Drivers Need Eyes in the Back of Their Heads - The most common business auto claim is backing up into something. Expensive auto damage, repairs and injury can be avoided by teaching your nonprofit's drivers to be cautious when backing up.

Business Continuity Planning - Business continuity planning is an important aspect of any risk management program. Win Chaiyabhat of Aon Chicago has written this article that addresses areas to consider when developing a business continuity and crisis management plan. Although the article is geared more toward a for-profit organization, there are interesting discussion points that should be reviewed by anyone involved in a company's risk management program, whether for-profit or nonprofit. (Please note, this article is in PDF format.)

Our Money? Why It's Not Our Car!? The driver's policy should pay. - Many insureds assume the insurance follows the vehicle owner. That is usually true. Unfortunately, employees or volunteers using their own car on retirement home business may carry no insurance or more often have low limits.

Resident Falls -- Accidents or Malpractice? - In recent years, we have seen a trend in insurance claims that is disturbing, and that trend is the growing tendency to present claims as professional liability, resulting in significantly higher claims expense and payments.

Emergency Preparedness - Who, Us? - In the last year, weather-related and other emergency events caused millions of dollars in damage to AAHSA member facilities and, in a few instances, caught the victims by surprise. In other cases, the insurance carried by those facilities covered not only the damage, but the evacuation of their residents and housing at alternate sites - even when the anticipated calamity did not come to pass.

Q&A Background Checks - Criminal history record checks are important risk management tools but must not replace other risk management strategies designed to lessen the opportunity for abuse of vulnerable service recipients. The following are some of the more frequently asked questions concerning criminal history record checks.

CNA Risk Management Articles

CNA ALert Bulletins

CNA Alert Bulletin, 1.05 - Meeting the New Patient Safety Goals for Long Term Care and Assisted Living
CNA Alert Bulletin, 11.04 - Surviving Flu Season in the Wake of the Vaccine Shortage
CNA Alert Bulletin, 7.04 - Photographic Wound Documentation: Consistent and Accurate Methods Can Help Reduce Liability
CNA Alert Bulletin, 6.03 - Star ME-1 Dry Fire Sprinkler Recall Annouced by the CPSC and American Household Inc.
CNA Alert Bulletin, 1.03 - Advertising Re-Emerges as a Significant Risk Exposure for Healthcare Organizations

CNA Carefully Speaking

CNA,Carefully-Speaking, 9.05 - Proper Nourishment Helps Trim Risk
CNA Carefully Speaking, 2.05 - Resident Assessment is Key to Reducing Risk
CNA Carefully Speaking, 1.05 - Leading the Fight Agains Violent and Abusive Acts
CNA Carefully Speaking, 7.04 - Financial Risk Management: An Underwriting Perspective
CNA Carefully Speaking, 4.04 - Employee and Staffing Agency Hiring Practices - Sound Policy is Key to Mitigating Risk
CNA Carefully Speaking, 1.04 - Assisted Living - A Risk Management Perspective on a Growing Industry
CNA Carefully Speaking, 7.03 - Better Communication Means Lower Risk
CNA Carefully Speaking, 1.02 - Resident Elopement: Managing the Liability Risks of Wandering

Directors & Officers Program Articles

The Employment Application - An employment application is an information-gathering tool that will assist you in your hiring decisions and should contain language that will reduce employment-related liability exposures.

The Employee Handbook - There are many good reasons, both legal and non-legal, to publish a handbook.

Management Tip: Reference Checks - Much information regarding an applicant's past will come not from a criminal background check, but from traditional employment reference checks.

Is There Value To Employee Background Checks?- The purpose of an employee background check is twofold: (1) verify the information provided by the applicant, and (2) develop additional relevant information necessary to make an informed decision regarding the appropriateness of the applicant.

Q&A Background Checks - Criminal history record checks are important risk management tools but must not replace other risk management strategies designed to lessen the opportunity for abuse of vulnerable service recipients. The following are some of the more frequently asked questions concerning criminal history record checks.

Insider Theft - One of the most difficult risks to assess and address in a nonprofit is the possibility of theft of financial and other assets by insiders-the people the nonprofit depends on to achieve its mission.