Overview: There are many different types of insurance that a workplace could get to avoid liability and loss when the unexpected occurs. Whether the insurance covers natural disasters, company cars, employer discrimination or anything else that could affect the workplace, it is always best to be prepared.
What insurance is right for an employer depends on the size, location and industry of the employer. Performing a risk analysis can help decide what insurance bests fits the individualized work environment.
Author: Ashley Shaw, JD, Legal Editor
Updated to incorporate the option to file online objections to unemployment benefits claims, effective April 30, 2016.
Updated to reflect the forthcoming paid family leave requirements.
Updated to reflect New York's forthcoming paid family leave benefits requirements.
Updated to include information on the forthcoming introduction of payroll deductions for paid family leave.
Updated with new 2016 requirement to report employee income tax withheld on quarterly Form 132.
Updated to incorporate a state Supreme Court ruling on disqualifying misconduct under the unemployment insurance law.
A recent amendment to Illinois law and an Illinois Supreme Court ruling have clarified the meaning of "misconduct" that disqualifies a former employee from collecting unemployment insurance (UI) benefits. While both the new law and the ruling provide needed guidance, employers in the state may find it harder to fight a benefit claim on this basis if they do not have specific policies in place.
The Temporary Disability Insurance Requirements by State Quick Reference chart has been updated for 2016.
Most employers pay state unemployment insurance contributions based on the wages they pay to their employees, up to an annual state taxable wage base. Five states also have disability insurance systems with employer and/or employee contributions tied to a taxable wage base. This chart provides employers with each state's current unemployment and disability insurance (if applicable) taxable wage base.
Effective January 3, 2016, Illinois has amended the definition of misconduct that disqualifies an employee from collecting unemployment benefits to include certain specific acts.
HR guidance on obtaining proper insurance for the workplace.