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David P. McCabe,
WMCP®, ChFC®, CLU®
Financial Planner
Nathaniel D. High, RICP®
Financial Planner
Nicholas J. Over, CFP®
Financial Planner
Sara E. Martin
Operations Manager
Jennifer A. McCabe
Client Service Specialist
jennifer.mccabe@prudential.com
Centuria Financial Group
2333 Baltimore Blvd Suite B
Finksburg, MD 21048
Phone: 443-952-7232
January/February 2023
ADA Compliance May Prevent Lawsuits
As the owner of a small business, you may have a legal obligation to comply with the Americans with Disabilities Act. The ADA prohibits discrimination against people with disabilities in several areas, including employment, transportation, public accommodations, communications and access to state and local government programs and services.
An Extensive Reach
Although you might think of ADA accommodations as affecting mainly employees and job applicants, they also may apply to customers of your business. Title III of the ADA covers businesses that are generally open to the public and fall into one of several categories, including restaurants, movie theaters, schools, day care facilities, recreation facilities, inns and hotels, transportation, stores, care providers, and places of public displays. If you’re noncompliant in any of the areas covered by the ADA, you could find yourself at the center of a lawsuit.Areas of Concern
Any business that provides goods and services must comply with the ADA. As a businessowner, you should become aware of potential barriers to disabled access. Barriers might include:- Parking spaces that are too narrow to accommodate wheelchairs, lifts, etc., and restrict a disabled person from exiting and entering a vehicle.
- Stairs to access entrances, with no ramps provided.
- Narrow aisles and doorways.
- Drinking fountains with low clearance.
- High counters.
- Fixed tables and chairs.
- Restrooms that aren’t wheelchair accessible.
- Websites that don’t support screen reader software.
Insurance Offers Some Protection
Failure to comply with ADA requirements leaves you vulnerable to a lawsuit if your business doesn’t allow for disabled access. Compliance claims can appear with little warning and no opportunity to resolve the issue before the complaint is filed. They may not even be the result of a specific complaint.Claims can be costly to defend and comply with. Employment Practice Liability Insurance (EPLI) is a general liability policy that protects employers against allegations of discrimination by a customer or an employee. It’s designed to help cover the costs of defending the business in court.
Your insurance professional can provide solutions that may help shield your business from financial loss.
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David P. McCabe, Nathaniel D. High, and Nicholas J. Over are Financial Planners with, and offer securities and investment advisory service through LPL Enterprise (LPLE), a Registered Investment Advisor, Member FINRA/SIPC, and an affiliate of LPL Financial.
LPLE and LPL Financial are not affiliated with Centuria Financial Group.
This newsletter is general educational information provided by a Prudential Financial Professional and is not intended to market or sell any specific products and services, but rather provide general information about the subject matter covered only.
Centuria Financial Group and LTM Marketing Specialists LLC are unrelated companies. This publication was prepared for the publication’s provider by LTM Client Marketing, an unrelated third party. Articles are not written or produced by the named representative.
The information and opinions contained in this web site are obtained from sources believed to be reliable, but their accuracy cannot be guaranteed. The publishers assume no responsibility for errors and omissions or for any damages resulting from the use of the published information. This web site is published with the understanding that it does not render legal, accounting, financial, or other professional advice. Whole or partial reproduction of this web site is forbidden without the written permission of the publisher.