- Are you planning any in-home entertaining during the flu season?
- How many domestic employees do you have and how many sick days on average do they take yearly due to cold and flu?
- Do you have a contingency plan for resuming normal household operations in the event of widespread and prolonged absence of domestic staff due to flu?
- Do any employees interact heavily with family younger than 10 or older than 65? Do they know the higher health risk flu presents for these groups?
- Do you have a sick and/or personal time policy? If so, is it spelled out in a human resources manual that is provided to all workers?
- Has your formal personal/sick time policy been vetted by an attorney or insurance professional?
- Have you considered doing a cost/benefit analysis of the expense of providing paid sick leave versus the cost of employees coming to work sick?
- Is a sick/personal time policy actively communicated and evenly enforced by the family or senior staff charged with supervising domestic employees?
Andrew McElwee is EVP of Chubb & Son and COO of Chubb Personal Insurance.
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