Electing the Right Coverage

  In this fiery presidential election season, we know full well the impact that our votes can have. You’ve given lots of thought and care to your choice for the next president and you may have already even cast your ballot. But your elections in your personal insurance plan matter just as much. The choices…

Hacking the Human: Social Engineering

Virtually every business relies on a network to conduct its daily operations. This often involves the collection, storage, transfer and eventual disposal of sensitive data. Securing that data continues to be a challenge for organizations of all sizes and across multiple business sectors. Social Security numbers, W-2 forms, payment cards and intellectual property have significant…

EEOC Publishes Its Position On Employees With Disabilities, Return-to-Work And Leave

According to the Equal Employment Opportunity Commission (EEOC), there has been a “troubling trend” in employment discrimination with regard to how employees with disabilities are treated in the workplace. Charges of disability discrimination are on the rise, and the EEOC believes that organizational policies on disability leave are a key factor in that increase. In…

Cyber Liabilities Loom for Small Businesses

Each year new technologies, and improvements on old ones, come along to make our jobs easier and enhance productivity. Today it is easier than ever to store and retrieve personal financial information, but protecting that information poses increasing challenges. Security in cyber space is something everyone needs to be concerned about. “Statistically speaking, just about…

Common Cyber Insurance Objections

With the rise of cyber attacks, Cyber Insurance is become more and more of a necessity in a business’ risk management strategy. Here are some of the common objections we hear when talking to clients about this invaluable coverage and our responses. OBJECTION “I am not a target for hackers.” RESPONSE – Many data breaches…

Intentional Acts and Weapons Liability

Even though the Legislature legalized concealed weapons in 1996 and open carry in 2015, there is nothing new about a business owner keeping weapons under the store counter or in the vehicle used to take deposits to the bank. The laws, however, raise questions about liability insurance for weapons-related incidents, so it’s a good time…

The Hyatt Data Breach: What It Means for Employers and Employees

A number of hospitality firms were victimized by hackers in 2015. On November 30th, Hyatt Hotels discovered that hackers “managed to breach its network, access the payment processing system and possibly steal payment-card information belonging to visitors.” The spokesperson for the hotel chain did not give details about the scope of the attack: how many…

63 Emerging Risks No One is Talking About

Everybody knows about climate change and catastrophes, the Internet of Things and the cloud, the on-demand economy and online shopping, autonomous vehicles and robots in the workplace, terrorism and pandemics, 3-D printing and cyber theft, and political instability and economic uncertainty. Insurance professionals have been talking about these and many other emerging risks for years.…