If an employee is injured outside the course and scope of their employement and is unable to work while they recover, they may be eligible for Family Medical Leave Act (12 weeks of unpaid leave), short-term disability or long-term disability. An employee can also use sick or paid time off while recovering.

Can an employee be responsible for damage?

In general, all employees are responsible for the proper use of a company’s physical resources and property. In addition, a company does not have a legal duty to bear the cost of replacing or repairing employees’ personal property that has been lost, stolen or damaged at work.

Can you fire an employee for missing too much work?

Yes, in general, if an employee has an excessive amount of absences you may be able to terminate his/her employment. If it’s for medical reasons and the employee is FMLA-eligible and s/he has not exhausted his/her leave time though, termination would probably violate the FMLA.

Is an employee liable for negligence to an employer?

As a practical matter, employees are generally not held liable to their employers for ordinary negligence or carelessness in the performance of their duties. Instead, an employer accepts the risk of employee fallibility/negligence and may be forced by the courts to take that into account in the costs of doing business.

How does commercial property insurance cover business loss?

Most commercial property insurance policies provide coverage for business income loss by adding an endorsement to the insured’s property policy. This endorsement is designed to protect the insured for losses of business income it sustains as a result of direct loss, damage, or destruction to insured property by a covered peril.

When does a covered cause of loss occur?

The loss or damage must be caused by or result from a Covered Cause of Loss. Several key terms and phrases within the insuring agreement are important to all business income losses:

Can a property policy include a business interruption clause?

A business interruption clause in a property policy or added endorsement can provide additional coverages, including for extra expense.

Who is a named insured under a business interruption policy?

The owners, managers, or operators of such utilities or services cannot be a named insured under the policy. The loss, damage, or destruction at the location of the utility or service must be the result of a peril (s) similar to the peril (s) covered under the insured’s policy. Note that the policy may impose some limitations, such as: