Does commercial liability insurance cover cyber attacks?
If your business suffers a cyber attack, you may be liable for the damages caused.
If your business suffers a cyber attack, you may be liable for the damages caused.
Audits typically have a negative connotation. But they don’t have to be a negative experience or cause a huge headache at audit time.
The Typical Situation: At renewal time, you receive a Workers Comp (“WC”) renewal quote from your insurance broker and maybe a few additional quotes from other carriers.
With so many cases of sexual harassment and discrimination in the media, it’s not surprising that an increasing amount of businesses have decided to protect themselves by purchasing Employment Practices Liability Insurance (EPLI).
In our previous blog post, we covered the importance of Hired and Non-Owned Auto (HNOA) coverage. It is just as important to have risk management and loss control procedures in place as it is to have HNOA insurance. After all, you’d want to be able to prevent and reduce exposure, before a serious claim ever materializes.
While there are some home health care agencies that own a fleet of vehicles that are available for their employees to use to get back and forth from a client’s house, it is more common that employees use their own vehicles for business purposes. Consequently, most home health care business owners believe that because they lack any “owned” autos, there is not a need to carry auto insurance
At one time, it was believed that only the large Fortune 500 sized organizations faced the real threat of hacking, phishing, cyber ransom. In reality, about 50% of all cyber hacking targets small businesses. Even a more staggering number is that nearly 60% of the small businesses that suffered a serious cyber attack or breach will go out of business within six months post breach!
Mobile devices. Fitness bands. Cloud-based services. We all benefit from these great advances in technology, but seniors needing home health care may benefit the most.