Beauty Link - Volume 3, Issue 4 - (Page 39)
| feat ure |
Thoughts and lessons of the unexpected
Jeff Pulford, CIC, CISR, President, InsureBeauty
ill and Sally owned a successful beauty supply business and decided to take ﬁve of their favorite customers to dinner. Three owned beauty schools while the other two were salon owners. They were enjoying the occasion and were getting loosened up when Sally asked if anyone had an interesting story.
Ray’s Story: Employment
Ray, the owner of a small college, started his tale slowly. He related how he had a new class of 22 young women and one young man named JC. Ray gave his usual opening day talk, relating the rules and regulations. He was explaining that no sexual, physical or verbal harassment would be tolerated when JC announced that he was gay and would not be harassing anyone. Shortly thereafter, rumors circulated that described JC touching and feeling the girls in an inappropriate way. Coincidentally, Bill met a neighbor of JC who informed him that JC was not gay and had a ‘history.’ Confronted, JC admitted his fraud but the damage was done. The harassment claims were presented to Ray who immediately called his agent who described these claims as Employment Practices Liability claims. Fortunately, Ray’s insurance policy had recently been endorsed with EPL coverage and the insurance company provided a strong defense. If a settlement was needed they would have paid, but all allegations proved to be false and the case was dismissed.
then drove her car to the salon. She was in heavy trafﬁc when she rear ended a young pregnant woman. They exchanged the typical insurance information and went on their way. Two weeks later, Roberto received a letter conﬁrming that he was about to get sued because Julia was in the “course of his business” when she had the accident. Roberto called his agent who explained the Non-Owned Auto provision of his policy and assured him the college would be protected for defense and settlements if the suit came to fruition. Julia would be covered by her own policy.
Roberto’s Story: Non-Owned
Each of the business owners nodded in understanding and sympathy. Roberto, owner of a medium-sized college, told the story of Julia who had earned her way to become an extern with an excellent salon across town. On the eighth day of her assignment, Julia had to attend a special early-morning session at school and
The term extern reminded Rachael, one of the salon owners, to relate another insurance story. She had a number of externs in her shop and loved their attitude and hard work. Her best was Juanita who was working the shampoo station, with the proper supervision, when she got some soap in the eye of Janie, a long-term client. Unfortunately, Janie had recently had eye surgery, screamed bloody murder and threatened to sue everybody. Rachael called the college and demanded protection. They declined and reminded her that the salon must cover the actions of Juanita while she worked there. Rachael called her agent who said he didn’t know anything about externs, and besides, the salon had general liability not professional liability. Fortunately, Rachael had excellent client skills, offered Julia six months of free hair care and the problem was solved. Rachael understood the lessons, changed agents and got better coverage. She also reviewed the extern situation so she better understood her responsibilities. [continued on page 40]
B E A U T YL I NK | R E FLE C T I O N | 2 0 1 1 |
Table of Contents for the Digital Edition of Beauty Link - Volume 3, Issue 4
Five Simple Secrets for Building a Habit that Lasts Julie Gray
Trends 2011: The looks and treatments that drove us mad— and the multifaceted methods behind them Amy Drew Thompson
2011 AACS Annual Convention Photo Spread & Recap
Economic Education: Introducing the true cost of debt to students PART ONE OF A TWO-PART SERIES Kenneth J. Zarda
Reflecting on Performance: Evaluations, goal-setting and reaching beyond Angie Shuler
Delivering a World-Class Experience: Strengthening your school’s service aptitude John DiJulius
True Potential: Understanding the value of self-reflection Desiree Jumchai
Wild Dinner Stories: Thoughts and lessons of the unexpected Jeff Pulford
Keeping Connections: Alumni programs are powerful business-building tools Angela Watson
Is One Duck Out of Line? The educator’s role in financial aid Ray Testa
Calculating Your Composite Score: Why does it matter? Philip Courtney Hogan
Beauty Link - Volume 3, Issue 4
If you would like to try to load the digital publication without using Flash Player detection, please click here.