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Preventing Sexual Harassment in the Workplace (Hint: It Starts at the Top)

March 14, 2018

As recently stated by the Equal Employment Opportunity Commission (EEOC): “harassment in the workplace will not stop on its own – it’s on all of us to be part of the fight to stop workplace harassment. We cannot be complacent bystanders and expect our workplace cultures to change themselves.”

The truth of this statement cannot be overstated.  While it has long been believed that training and an effective complaint process is the way to stop the problem, the EEOC has pointed out that more is likely needed.

“With legal liability long ago established, with reputational harm from harassment well known, with an entire cottage industry of workplace compliance and training adopted and encouraged for 30 years, why does so much harassment persist and take place in so many of our workplaces? And, most important of all, what can be done to prevent it? After 30 years – is there something we’ve been missing?”

It could be said that the missing element is leadership. Too often, yet for good reason, dealing with sexual harassment in the workplace is something that management, executive directors, and chief executive officers often defer to others to handle and manage.

Perhaps the time has come to see the wisdom and efficacy of having the leaders of the mission of the enterprise become more personally involved in the necessary task of eliminating and preventing sexual harassment in the workplace.

Granted, the reality is that many of these individuals are very busy, taxed and overworked. However, a demonstration by senior management and supervisors that they acknowledge, understand, and will take an active role in prevention can only have a positive effect upon the consciousness in the workplace that “zero tolerance” means just that.

In general, there are many ways this leadership can be demonstrated. Here are just a few suggestions:

1. Management Should Take an Active Role in Training

While senior managers are in attendance in training sessions, as some states require, they are often left off the list of presenters. Indeed, the presence of these agency leaders provides a strong and important signal to staff that this subject is important and that management is committed to the elimination of sexual harassment in the workplace. It’s also important to consider an active role in the presentation by the manager, as their level of engagement is likely to have a significant impact on the staff’s engagement.

2. Train Supervisors to Monitor the Workplace for Policy Breaches

Supervisors should be trained to proactively monitor the workplace for any breaches of the organization’s sexual harassment policies. Supervisors and management are uniquely positioned to monitor the interactions of staff with one another and to make inquiries if there is a hint that any form of harassment is occurring, or if one demonstrates the effects of being victimized.

3. Demonstrate Proactive and Effective Support of Enforcement

Given the need to effectively deal with an occurrence of sexual harassment in the workplace, it’s important to remember that the best way to fix a problem is to remove the offender. This often presents management with a conflict of loyalties if the offender is a long-time employee, colleague, or friend. Moreover, it can be the case that the offender is a very productive or important contributor to the overall operation of the agency, including members of senior management. These loyalties or practical concerns must be set aside in making decisions and imposing consequences for violation of sexual harassment policies. No one is too important, indispensable, or essential to an employer’s business to be disciplined for violations of a zero tolerance policy, and managers should demonstrate the courage to handle these situations properly.

4. Monitor and Track Complaints and Investigations

While the complaint and investigation processes are properly delegated to staff with the experience and expertise to handle these critical functions, it’s also vitally important that management know how these actions are handled. Keeping track of the status of complaints and investigations allows management to know the character of their workplace and the agency’s progress in ensuring the workplace is free from harassment.

5. Maintain an Open-Door Policy

Nothing will encourage employees to come forward and report their experiences more than a senior manager who welcomes, supports, and empathizes with them. That support not only enhances morale within the workplace affected by harassment, but also demonstrates an appreciation of the problem and commitment to prevent it from occurring again.

The law has placed no greater importance on any single aspect of employment than the prevention and elimination of sexual harassment. While training and effective complaint and investigation policies have provided methods to achieve this goal, dedicated understanding, support, and encouragement by the leaders of an organization are essential to ensure that mission will succeed.

View Topic: Employment Risk Consulting Tagged With: 501(c)(3) nonprofit, Benefits of Coverage, EEOC, Employee Relations, Employment Law, Employment Risk Management, Equal Employment Opportunity Commission, Human Resources, Improper Sexual Conduct, insurance, Insurance Benefits, Insurance Carrier, Insurance Company, Insurance Coverage, Insurance for Nonprofits, loss control, Nonprofit, Nonprofit Culture, Nonprofit Professionals, Nonprofit Sector, Open-door Policy, Risk Management, Sexual Abuse, Sexual Harassment, Sexual Harassment in the Workplace, Sexual Harassment Prevention, Training, Workplace

Background Checks and Ban the Box in California

January 31, 2018

Historically, it has not been uncommon for risk-adverse employers to adopt policies prohibiting the hiring of applicants with a criminal history. Given that one in seven Americans has some sort of criminal history, numerous states and local jurisdictions are passing legislation that makes it more likely employers will consider these applicants. Increased employment opportunities have been shown to reduce the likelihood of recurring offenses for workers with a criminal record, and help these individuals re-integrate into our communities.

Key to these legislative efforts are “Ban the Box” laws, which generally prohibit employers from inquiring about criminal history on the employment application. Nine states and more than 15 cities have adopted Ban the Box laws that apply to private sector employers, with many more jurisdictions applying these laws to government contractors.

California jumped on the ‘Ban the Box’ bandwagon with Assembly Bill 1008, effective January 1, 2018. Modeled after the City of Los Angeles’ Fair Chance Ordinance, this new California law prohibits employers with five or more employees from inquiring about criminal history until a conditional offer has been made. Ban the Box laws don’t prohibit employers from considering criminal history, but rather create a process establishing the timing of when the criminal history can be considered. There are limited exclusions under California’s Ban the Box law, including for positions where an existing law requires criminal background clearance.

Under the California Ban the Box law, an employer must make an individualized assessment of whether an applicant’s criminal history is acceptable or not. It also outlines a process by which the applicant can dispute the accuracy of the criminal history, and provide evidence of rehabilitation or mitigating circumstances for the employer to consider. Employers are required to provide notice of their decision, and grant an opportunity for the applicant to respond, before making the decision final.

While the Ban the Box law is a recent addition in some states, the requirement that employers conduct an individualized assessment of applicants with criminal histories is not. In 2012, the federal Equal Employment Opportunity Commission (EEOC) adopted Enforcement Guidance for employers considering denying employment based on criminal records. These guidelines were founded on studies which demonstrate that criminal record databases are inaccurate or incomplete, and that using criminal history as a basis to deny employment creates the potential for disparate impact of individuals based on factors such as race, which is unlawful under Title VII of the Civil Rights Act.

The EEOC guidance lays out a process for employers to conduct an individualized assessment of whether, based on the job, there is a business necessity to exclude an applicant with a particular criminal conviction, which includes a review of the nature and gravity of the offence, the time that has passed since the conviction or completion of the sentence, and the nature of the job sought.

Many states, including California, have similar regulations or guidance on this issue, including laws that limit an employer’s ability to use certain types of criminal records, such as arrest records, juvenile records, or certain low-level marijuana convictions. Additionally, the Fair Credit Report Act (FCRA) and similar state laws, require employers to obtain written permission to search the criminal records history of employees and applicants, and to follow additional notice procedures if a criminal record is being used to deny employment.

When it comes to criminal background checks and Ban the Box laws, the key take away for employers is to review all laws applicable to their workers’ in the jurisdiction in which they work, and to create checklists and standardized forms to ensure compliance.

View Topic: Employment Risk Consulting Tagged With: 501(c)(3) nonprofit, 501c3, Assembly Bill 1008, Background Check Requirements, Background Checks, Ban the Box, California Ban the Box, Criminal Background Checks, Employment Application, Employment Risk Management, Employment Risk Manager, Hiring, Hiring Process, insurance, Insurance Carrier, Insurance Company, Insurance Coverage, Insurance for Nonprofits, Insurer, loss control, Nonprofit, Nonprofit Leader, Nonprofit Member, Nonprofit Professionals, Nonprofit Sector, Nonprofits, Nonprofits Insurance Alliance Group, Nonprofits Insurance Coverage, Risk Management

The Nonprofit Student-Debt Conundrum

January 10, 2018

This article was originally published on BlueAvocado.org as part of a special edition done in conjunction with Young Nonprofit Professionals Network (YNPN).

At first glance, nonprofits and millennials seem like a match made in heaven. Despite often being judged by our peers, our so-called “entitled” generation puts our desire for positive change above almost all else, seeking jobs that allow us to both do good and feel good.

According to a survey conducted by Deloitte, 60 percent of millennials look for purpose in their work, and 77 percent reported that their company’s purpose was a major factor in why they chose to work there. With that in mind, it would seem that the nonprofit sector and millennials are indeed a perfect pair, and in this situation, nonprofits get innovative young professionals with a passion to make a difference, and millennials get the opportunity to use their skills to benefit the greater good. It’s a win-win situation – or so it would seem.

Purpose vs. Paycheck

While it’s true that most millennials have the desire to work for a cause rather than just a paycheck, there’s one major factor that complicates this seemingly ideal relationship: the student loan crisis. With student debt in the United States equaling more than $1.45 trillion and college graduates on average owing $37,000 in educational loans, it’s nearly impossible for millennials to choose a career without factoring in their educational debt, and unfortunately, when factoring in such debt, the nonprofit sector begins to look less appealing.

The student debt crisis, combined with the public perception that nonprofits have less-than-desirable salaries, function as a deterrent to millennials because in many ways, we believe we can have a more significant impact on our debt and our community if we choose to work for a for-profit company and find alternative ways to get involved. The fact is, a large salary at a for-profit company can be more appealing than a stereotypically low nonprofit salary, even to those of us that have a desire to work for the greater good, because it gives us the ability to make student loan payments with ease and make substantial donations to the nonprofits that we care about, all with the financial stability that we seek. This isn’t to say that millennials are motivated solely by money, but with student debt lingering over the heads of so many, it has an effect on the nonprofit sector’s ability to attract and retain millennial talent.

Why does this matter for nonprofit leaders?

Millennials are already the largest working generation in the U.S., which makes us increasingly important to nonprofit and for-profit employers alike, and with student debt as a factor, many choose to abandon nonprofit work despite their desire to do good. The problem does not just extend along the lines of age either; student debt also affects diversity.

According to a study conducted by CalNonprofits, “student debt results in a less diverse workforce; many of the nonprofit employees leaving the sector are those with larger student debt – first generation college graduates, people of color, and women.” Women hold nearly 65 percent of student debt, and pay back their loans at a slower rate than men, likely a result of the gender pay gap. Minorities face similar issues, with black and Hispanic borrowers paying their loans back more slowly than white and Asian borrowers, often due to financial difficulties after graduation.

To make matters worse, minorities are already underrepresented in the nonprofit sector. In the U.S., only 20 percent of nonprofit board members are people of color, and while 73 percent of nonprofit employees are women, more than half of nonprofit leaders are men.

This presents an issue to nonprofits, as diversity is directly linked to creativity, innovation, and better overall performance. As the Stanford Social Innovation Review puts it, “If we want to optimize the social sector’s potential to create impact, diverse nonprofit boards are not a “nice to have,” they are a “must have.” If student debt disproportionally affects the very individuals that the nonprofit sector needs in order to better itself, and individuals with student debt become disinclined to work in the nonprofit sector, that presents a very real problem for nonprofit leaders.

How can nonprofits attract more young professionals?

Given how essential millennials are becoming to employers, and how perfect a match nonprofits and millennials can be, what can nonprofit leaders do to attract and retain more young professionals with debt? Below are some options for supporting staff:

  • This many seem like a given, but pay close attention to the salaries and benefits being offered by your organization. When it comes to determining employee salaries, use benchmark data to ensure that you’re offering compensation that is on par with similar organizations, to the best of your organization’s ability. According to an article on EBN, many regional nonprofit associations collect this information to “help nonprofits ensure they’re offering a competitive salary for their job role and region.”
  • Read up on the Public Service Loan Forgiveness Program. Stay informed about Public Service Loan Forgiveness eligibility requirements and find out if your nonprofit is a qualified employer. If so, make sure employees are aware of the requirements, as well as any updates to the program. Employees that do qualify are eligible for student loan forgiveness after 10 years of nonprofit employment – a major source of appeal for young employees with debt.
  • Create a tuition reimbursement program for education related to the employee’s job function. This can help retain employees wishing to continue their education without increasing their debt.
  • Pay attention to other factors of employment that attract young professionals, such as work-life balance. Factor in “soft benefits” such as company lunches, generous time off, and other factors that contribute to an employee’s overall wellness and satisfaction.
  • Prioritize volunteer work so that your employees maintain a close connection to the cause. Facilitating and maintaining a hands-on relationship between your employees and your mission helps keep younger staff-members directly invested in the good of the work they’re doing.

It’s undeniable that nonprofits are a great fit for millennials, who have an innate desire to work towards a cause and to have an impact on their community. While student debt can muddy this seemingly perfect relationship, making it a somewhat less desirable choice for some young professionals, the fact is that given the right circumstances, the two can still be a match made in heaven.

View Topic: General Liability Tagged With: 501(c)(3) nonprofit, Blue Avocado, BlueAvocado.org, Diversity, Inclusion, Insurance for Nonprofits, Millennials, Nonprofit, Nonprofit Leaders, Nonprofit Sector, Nonprofits, Nonprofits Insurance Alliance Group, Public Service Loan Forgiveness, Purpose, Student Debt, YNPN, Young Nonprofit Professionals Network

Liquor Liability 101: How to Serve Alcohol at Your Nonprofit Events

December 21, 2017

When most Americans think of this time of year, they imagine hot cocoa, candy canes, and reindeer. However, when most nonprofit leaders think of this time of year, their minds go to holiday events and fundraisers, the spirit of giving, and, more likely than not, how to safely provide alcohol at said events. Whether your nonprofit is serving alcohol to employees and guests, or selling it in order to raise money, here are some questions to consider so that your nonprofit doesn’t find itself faced with an alcohol-related lawsuit.

Are You Familiar with Your State’s Social Host Liability and Dram Shop Laws?

Social host liquor liability laws cover situations where liquor is provided at no cost. Most states have these laws, which hold your organization responsible for providing liquor to minors in any situation that results in injuries to the minor, or injuries that the minor causes to others due to alcohol intoxication. Some states have stricter social host liability laws which go beyond underage drinking. These laws can hold you responsible for accidents caused by anyone allowed to drink to excess then injures themselves or a third party.

Dram shop laws determine how the liability flows from injuries caused by intoxicated people or minors when alcohol is being sold to customers. If a nonprofit has a fundraiser and sells liquor to attendees, in some states they could be held responsible if an attendee has an alcohol-related accident and injures themselves or others. In fact, depending on the state, an establishment selling alcohol could be held 100% liable for alcohol-related accidents if it’s proven a person got intoxicated, or further intoxicated, at their establishment.

Understanding these laws will help your nonprofit put the proper controls in place to better protect against an alcohol-related accident. This is especially true in states that allow nonprofits to easily obtain an event specific liquor license, such as Colorado. While these days liquor licenses make it easy for a nonprofit to organize a fundraiser where they sell alcohol, that doesn’t mean that liability doesn’t exist.

Do You Have Controls in Place for Service?

The key to any event involving liquor sales or host liquor is making sure you control who can attain an alcoholic beverage, and how much they are able to access. There should be controls in place to ensure that minors are not served alcohol. This can be done in many different ways including:

  • requiring a picture ID anytime someone asks for a drink
  • giving out bracelets or wristbands to potential alcohol drinkers after showing ID, and having the bartender check for the bracelets
  • giving out drink tickets to adults (with proper ID)

In addition to making sure people are old enough to drink, you should also have controls in place to make sure visibly drunk people are cut off from being served additional alcohol.  Depending on the state, there are laws which stipulate when a bartender should stop serving someone who is considered to be intoxicated. In certain insurance claims, it’s the bar’s adherence or neglect of these rules which make them more or less liable in cases of an alcohol related death.

The best way to control the flow of alcohol is to make sure your servers understand the laws and serving guidelines, and to limit consumption when appropriate.

Who is Going to Serve the Alcohol?

In most states, there are companies that specialize in bartending for events. These companies have trained and certified their bartenders to know specific state laws and serving guidelines, and as such, many nonprofits choose to hire one of these companies for their events. In addition to bringing in trained bartenders, these companies also carry liability insurance, which should cover any negligence on the part of the bartender, such as serving a minor or a visibly intoxicated patron.

Some nonprofits will elect to serve the alcohol themselves, especially in host liquor situations where the alcohol is being provided at no cost. If this is the case, having controls in place and an understanding of state liquor laws is essential.  Any designated servers should be trained to proficiency on the signs of alcohol impairment, and have protocol for handling visibly intoxicated individuals.

Do you Have the Correct Insurance?

A standard general liability policy provides host liquor liability, which covers events where alcohol is provided free to guests, but not situations where alcohol is sold. Examples of what is covered include an open bar at a Christmas party, a wine tasting event for staff or donors, or providing beer at a picnic. For many nonprofits, this is adequate liquor coverage.

However, in some cases, nonprofits sell liquor at fundraising events. For example, a nonprofit may hold an event at a local bar, who donates their space and allows the nonprofit to keep 50% of the bar sales. In this example, the nonprofit could be held liable under dram shop laws, which may be more severe than host liquor laws. The nonprofit should request a full liquor policy to cover these events as they may not be covered under the host liquor liability included on their policy.

Although there are potential risks involved with serving alcohol to employees and guests at holiday parties and fundraising events, learning about state laws, putting proper controls in place, and having a comprehensive insurance policy can help limit those risks so that your nonprofit can stay calm and party-on this holiday season.

View Topic: Insurance Issues for Nonprofits Tagged With: 501(c)(3) nonprofit, 501c3, Accident, Alcohol, Dram Shop, Dram Shop Laws, Events, Fundraiser, Fundraisers, Holiday, Holiday Fundraiser, Holidays, insurance, Insurance Carrier, Insurance Company, Insurance Coverage, Insurance Explained, Insurance for Nonprofits, Intoxication, Liquor, Liquor Liability, loss control, Nonprofit, Nonprofit Leader, Nonprofit Professional, Nonprofit Sector, Nonprofits, Nonprofits Insurance Alliance Group, Risk Management, Serving Alcohol, Social Host, Social Host Liability

Winter is Coming – Property Checklist

December 13, 2017

The holiday season is upon us and with all of the stress generally associated with this time of year, you probably haven’t given much thought to frozen pipes, roof collapses, ice dams, or any of the other property maintenance issues that can lead to water damage. However, as illustrated in one of our recent blog posts, water property damage can be costly, and is often not covered by insurance. Given that there is an increased risk of water damage this time of year, it’s vital that your nonprofit plan and prepare for the upcoming winter season.

If you haven’t read our blog on water damage claims, you may not be aware that typically, property policies exclude water damage unless something else is accidentally or suddenly damaged first, such as with wind or fire. For example, let’s say the gutters on your building are rusty and water is not being properly diverted off your roof. Then a rainstorm comes along and pushes water through the weakened area into your roof and water leaks under the eaves, into your walls, and starts to pool. Because this damage is due to improper maintenance and not a sudden, unforeseen event, it is not covered by your insurance.

Whether it’s a slow leak, a frozen pipe, or a full-fledged flood, water damage can have a negative effect on your organization and its ability to provide services to the community. Not only can water and moisture damage the interior of your building, but it can also damage or destroy fire protective equipment and electrical equipment. Another unforeseen issue that is more likely to arise in the cooler, wetter months as a result of unwanted water or moisture is mold. Like most water property damage, mold damage is generally not covered by insurance, as it is considered preventable with proper maintenance.

While every building is unique, each is at risk for water damage, whether from a minor roof leak, improperly maintained plumbing, or a violently destructive storm. Before the weather takes a turn, give your premises a good lookover for early signs of damage or wear-and-tear, including damaged flashing, gutters and drainpipes, or broken windows. Identify and repair all leaks and cracks in windows, doors, and exterior walls, as well as in the building’s roof, foundation, plumbing and HVAC systems.

A properly maintained building is only part of protecting your organization’s facility from water damage. Also be sure to check all drains, gutters and down spouts for leaf litter, debris and other clogs or obstructions that cause water to collect or travel toward a building. Remember, standing water is a tell-tale sign that water is not draining properly. As a precautionary measure, also consider labeling your water shut-off valves clearly so that they are clear and noticeable, in case of an emergency plumbing situation. Repairing damage early can prevent more extensive damage from winter weather conditions.

Here are links to a few resources from the Insurance Institute for Business & Home Safety (IBHS) for your reference:

  • Winter Weather
  • Plumbing
  • Thunderstorms

View Topic: Loss Control Tagged With: Checklist, Claim, Claims, insurance, Insurance Company, Insurance for Nonprofits, Loss, loss control, Mold, Nonprofit, Nonprofit Leader, Nonprofit Professionals, Nonprofit Sector, Nonprofits, Nonprofits Insurance Alliance Group, Plumbing, Precautions, Property, Property Claim, Property Damage, Property Insurance, Rain, Rainstorm, Risk, Risk Awareness, Risk Management, Thunderstorms, Water Damage, Water leaks, Weather, Winter, Winter checklist

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