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Business Insurance
As a business owner, you strive to hire qualified employees to work for you. Unfortunately, as you are well aware, not every hiring decision goes as planned. Even if an employee is terminated for legitimate reasons— such as poor attendance or unsatisfactory work habits—every termination opens the door for potential lawsuits. Read on to learn...
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This guide will help you collect the necessary documentation and statistics required during a payroll audit. Because of the nature of the required information, it is recommended that this guide be completed by the accounting department, unless your organization has someone specifically responsible for these documents and the workers’ compensation policy.  STEP 1: Collect Necessary...
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Because of all they can offer, smartphones and tablet devices are essential to many professions’ daily operations. However, as use rises, it will become more and more important to ensure that security for these mobile devices is able to adequately protect you from new and existing threats. The need for proper phone security is no...
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The regular review of every contract you sign is a highly important risk management task. This includes a contract’s waiver of subrogation clause. Subrogation is a basic insurance concept used in insurance contracts. If a loss occurs, it typically happens through someone’s negligence. In general, the negligent or “at fault” party is liable for the...
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Could an exclusion in your commercial general liability (CGL) policy leave your business liable for damages due to an employee’s injury, even though the employee already received workers’ compensation benefits? It may seem like the answer should be a simple “No,” given that workers’ compensation generally limits the remedies an employee can obtain from an...
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Predicting the Top 5 Cyber Threats in 2019 Hackers will keep exploiting cyber defense trends and new technology to steal valuable information and cause chaos.     As large-scale cyber attacks continue to make headlines on a regular basis, many businesses have started to realize the importance of safeguarding their systems and data. However, hackers...
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Its December, holiday shopping is in full swing, and we want to make sure your retail business is protected from cyber risk.
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Because identity theft and data breaches are becoming an ever-growing problem, it’s important to not only have a different password for each account, but to make those passwords easy to remember and hard to guess. The following are tips you can use to make your password harder to crack:
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How to avoid scams, viruses and other internet threats. The Monday after Thanksgiving has become known as the biggest online shopping day of the year, with companies offering discounts galore to entice customers. But it’s also a day that scammers hope to use to their benefit by trying to lure in victims with offers that...
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OSHA recently unveiled its top 10 most frequently cited standards. The agency reports the leading causes of workplace injuries during its fiscal year (October through the following September) to help businesses identify common safety pain points. The 2018 top 10 list of most frequently cited standards didn’t change significantly from 2017, with fall protection violations...
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