Insurance companies that must support insureds against such claims are beginning to fear another exposure the size of the asbestos mess. General Liability policies protect insureds in the event of an EMF claim. Already some Workers Comp and Employers Liability insurers are eliminating coverage for employees in high-risk industries such as electronics, utilities, and TV repair pair. Unfortunately, no guidelines have yet been established on dangerous emission levels. Businesses with high electrical involvement should continue to monitor research about EMFs, employ the loss-protection measures that are available and c carry high Liability limits.
Employers appear to be fully within their constitutional rights to ban smoking in the workplace.
If your business has a nonsmoking environment, you may be eligible for savings in benefit insurance and Workers Comp coverage. Undoubtedly, many are worn to ward off skin problems, but some are donned to prevent headaches. Popping headache pills may seem a good solution, but too many headache pills can worsen symptoms. Decreasing or stopping the medication can rebound with stronger headaches. Watch your caffeine intake and decongestants, since they can aggravate headache rebound.