Cyber risk insurance: New coverage for emerging risks

security-lock3

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.


Share This Blog:


 

Reducing liquor liability before the first drop is poured

bartender

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.


Share This Blog:


 

Insurance helps hospice care providers focus on the patient

holding-hands

Hospice organizations focus on the care – not a cure – for the patient, as well as support to the patient’s loved ones. If your organization operates a hospice, you are in a unique position to affect quality of life in your communities. By making sure your organization has appropriate insurance protection, you can keep your focus on the important services you provide to patients and their families. Take time to review the declarations page of your insurance policy.


Share This Blog:


 

New federal overtime guidelines under FLSA

desktop-with-coffee-and-tablet

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.


Share This Blog:


 

Training is key to correct fire extinguisher usage

extinguishing-a-fire

Fire extinguishers can be an effective tool, but only when you select the correct type for your needs; install them in the most effective locations; and learn the proper way to use them. This three-part series covers the basics of fire extinguishers. Part 3 of 3 – Once activated, a fire extinguisher typically provides less than 30 seconds of use. That’s why proper training and application are critical to ensuring effectiveness.


Share This Blog: