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How to get Your Car Stolen in One Easy Step

According to this article in the Patriot News, car thieves specifically look for unattended cars with the keys left in them.  Is that really a surprise?

Lawsuit Protection Planning

Introducing our newly developed Lawsuit Protection Planning Worksheet. We developed this form so you can make sure your insurance program is keeping up with your lifestyle. Take charge and make sure your stuff REMAINS your stuff! View the video and complete the worksheet.

Who will pay for your Long Term Care?

Misperceptions abound regarding the need for a plan and who ultimately benefits from proper planning according the experts.

Buy or Lease

It’s hard enough to decide what kind of car best fits your needs and budget.  Then you have to decide how you’re going to pay for it.  I found this tool by SmartMoney.com to be pretty helpful.

Rental Properties

Because many of our clients own rental properties, a recent article in the Patriot-News prompted me to post this link to the PA Landlord and Tenant Act.  Remember, even if your tenant has an apartment full of garbage, rodents, and mold, there are certain notice requirements that must be met for you can legally force an eviction. 

Best Deal on Gas

Looking for the best deal on gasoline in your area?  Now you can just fire up the internet and go to www.gasbuddy.com for a quick rundown of local fuel prices.  You may also want to try www.gaspricewatch.com.

Life Stages

Clients often ask about what types of insurance protection they should consider at different times in their lives. Life Stages is an easy to use informational guide on insurance and financial planning priorities. It takes you from student, single, married, raising children, and retirement. It also deals with divorce, domestic partnership, and job changes. All in all it is a simple tool to help jumpstart your thought process.

Life Insurance Guide

How much life insurance do you need? That’s the million dollar (or more) question!  Use this easy interactive guide to help you make an informed decision.

Tax Rebate Information

Want to know how much of a rebate you’re getting as a result of government’s economic stimulus package?  Click here to go to the IRS website.  Answer a series of questions and PRESTO, you’ll instantly find out how much (or how little) you’re getting.  Good luck!

Car Guide

So you’ve finally decided to purchase a new car.  But what car should you buy? Check out this Erie Insurance Car Guide for its TOP 120 picks. Choose a vehicle that fits your lifestyle and budget without sacrificing safety.

  
 

USING “ILLEGAL” SUBCONTRACTORS MAKES YOU A TARGET FOR PROSECUTION


Of all the employment issues we advise our clients on, the subject of proper hiring practices is becoming more and more critical.  Just the other day in Des Moines, Iowa, 390 people were arrested for immigration violations at a meatpacking plant.   According to ICE (US Immigration and Customs Enforcement) this was the largest workplace raid in US history.  The Associated Press reports that the raid was aimed at seeking evidence of identity theft, stolen Social Security numbers, and people who are in the country illegally.

While the politicians wrestle with what to do about illegal immigrants, Homeland Security has announced a “comprehensive immigration enforcement strategy for the nation’s interior.”  In 2007 alone ICE “dramatically increased penalties against employ­ers whose hiring processes violate the law, securing fines and judgments of more than $30 million while making 863 criminal arrests and 4,077 administrative arrests.” According to Julie Myers, head of ICE, “ICE has no tolerance for corporate officers who harbor illegal aliens for their work force.” 

OK.  I can hear you saying, “I don’t hire illegal aliens!  So why should this matter to me or my company?”  While it is obvious that hiring employees who are in the country illegally is a crime, you may not know that using illegal subcontractors can also subject you to the same punishment.

YOU BETTER KNOW WHO YOUR SUBCONTRACTORS ARE!

As you may know, Walmart was just was recently fined $11 million dollars for using subcontractors that had hired illegals.  Why?  Because it is alleged that a few Walmart managers knew that some of the subs were not here legally.  If someone in your company’s management knowingly hires a subcontractor who uses illegals, your company will be subject to civil penalties.  Furthermore, you will probably end up getting really bad press!  

CAN YOU SAY RACIAL PROFILING?

Because law enforcement hates to be accused of racial profiling, I can almost guarantee that at some point, a few businesses who have never hired anyone outside of a 5 mile radius will still be investigated.  How will they investigate?  Almost certainly someone will be sent to your company to peruse your I-9 forms.  Because an employee must place his social security number on an I-9 form, examining these forms allows ICE to see if any of your employees are using a false social security number.  A smoking gun. 

CHECK YOUR EMPLOYMENT FILES – NOW!

Current law requires that all employees correctly and fully complete an I-9 form upon being hired.  Not retaining forms or not having forms completed correctly can subject your business to fines.    If you’ve ever needed some “encouragement” to double check your files, NOW IS THE TIME TO GET YOUR RECORDS IN ORDER. 

BUT I DON’T COLLECT I-9 FORMS FROM MY SUBCONTRACTORS

Most companies don’t because they’re not required to.  However, in light of the Walmart case, best practices may dictate that you start.  If ICE ever does investigate your company, you can show that not only do you not hire illegal aliens; you go the extra mile to make sure your subs are not illegal either. 

As the stepped up law enforcement surrounding this issue shows, it’s not going to go away any time soon.  Therefore, our duty as risk managers and insurance agents is to keep our clients informed about these types of developments so we can help protect them from all of the risks they face.  If this is something you feel your company could benefit from, feel free to contact us.       

 
    

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