Cyber risk insurance: New coverage for emerging risks

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It seems you can’t turn on the news without hearing about a cyber-related crime or incident.

Criminals are increasingly using ransomware as a means of extortion. Ransomware is a form of malware, usually delivered by email phishing scams, that locks victims out of their critical data until they pay the criminals a fee.


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Reducing liquor liability before the first drop is poured

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Failing to act responsibly when serving alcohol could be catastrophic for your business. You could be held accountable for any death, injury or damages caused by an intoxicated patron, resulting in expensive civil or criminal litigation, fines, increased insurance rates, loss of your liquor license – even the loss of your business. Safeguards can reduce the risk.


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New federal overtime guidelines under FLSA

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EDITOR’S NOTE: A federal judge in Texas issued an injunction on November 22, 2016, that delays the implementation of this rule. Consult with your legal adviser before making changes in your employment policies. For more information about how employment practices liability insurance can protect your business, see your local independent insurance agent. __ A new federal rule for overtime pay that becomes effective December 1, 2016, may increase an employer’s need for EPLI – employment practices liability insurance.


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Protect your business from data theft

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Most businesses, large or small, are aware of the threats to their data security, whether from viruses, hackers or their own internal employees. Although the direct cost associated with responding to a breach can be staggering, a recent study found that the biggest financial consequence to organizations that experience a data breach is actually lost business.


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Allied health insurance coverage: Your professional ally

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Do you need medical malpractice coverage? Wait! Before you answer that, answer this: Are you in the medical field? You’re thinking, “Well, yeah. But I’m not a doctor, dentist or nurse.” Are you a therapist? Are you an x-ray technician? How about an audiologist, nutritionist, orthopedic assistant, pharmacist, or one of dozens of other medical-related occupations that require special training, certification or higher education? If you answered yes, then your answer to the first question should be a resounding “Yes!”


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