What You Need to Know About Data Breaches

What You Need to Know About Data Breaches

Virtually every company in business today is at risk of a data breach. If you handle any kind of sensitive customer information, have intellectual property, or use computers, your company is potentially a target for cyber criminals. Whether you’re a mom-and-pop shop or one of the Fortune 500, you need to read this and learn what you need to know about data breaches, to protect your company and your customers. Many small business owners mistakenly believe they are too small to attract the attention of cyber crooks, but according to... Read More

Food Safety: Don’t Let Spoiled Food Spoil Your Summer Fun

Food Safety Don’t Let Spoiled Food Spoil Your Summer Fun

Warm weather is here and that means picnics, barbecues and all kinds of outdoor entertaining. Each year millions of people head outdoors to enjoy dining and entertaining in the summer weather. And each year millions of people fall ill due to food poisoning, which occurs after consuming foods that are contaminated during preparation. To lower your risk of food-related illnesses, and to lower your risk of ruining your summer fun, follow these practical food safety guidelines. Focus on cleanliness Wash your hands using hot, soapy water before handling food and... Read More

New Group Disability Claim Rules for Employers

New Group Disability Claim Rules for Employers

In January of this year, the Department of Labor (DOL) announced that, as of April 1, 2018, employee benefit plans will be required to comply with new requirements for disability benefit claims. These new rules are in effect now. In 2016, the DOL released a final rule to strengthen the claims and appeals requirements for plans that provide disability benefits and are subject to the Employee Retirement Income Security Act (ERISA). The final rule was scheduled to apply to claims that are filed on or after Jan. 1, 2018. However,... Read More

How to Keep Young Athletes Healthy and Safe

How to Keep Young Athletes Healthy and Safe

Youth sports is almost a rite of passage in this country. More than 70 percent of American children participate in some kind of organized youth sports activity during their childhood. These activities provide opportunities to learn important lessons, develop skills, and build lifelong friendships. But each year, nearly 4 million children ages 14 and under also suffer from sports-related injuries. It is estimated that as many as 20 percent of children participating in sports are injured each year. Every day, from soccer fields to ice rinks, millions of youths participate... Read More

What You Need to Know About the Two Types of Travel Insurance

What You Need to Know About the Two Types of Travel Insurance

The subject of travel insurance often comes up when planning an international trip. Many travel sites will offer users the opportunity to purchase travel insurance as part of their trip planning.  But many of them don’t distinguish between the two types of travel insurance, leaving travelers potentially unprotected. It’s important to know what the two types of travel insurance are, how they differ, and why you might need each one. Trip Cancellation or Interruption Insurance This is the travel insurance most people are thinking of when travel insurance comes to... Read More

Disability Insurance: What it is and Why You Need It

Disability Insurance What it is and Why You Need It

Disability Insurance may be one of the most essential and most overlooked insurance coverages. When it’s time to select insurance benefits, most people think of health, dental, vision and life insurance, but are often slow to consider disability insurance. The reality is that at least one-third of American workers will be disabled and have to miss more than 90 days of work during their careers. And more than one in four can expect a disability that will last a year or more before they reach retirement age. And the vast... Read More

How to Manage Job Stress for a Healthier Life

How to Manage Job Stress for a Healthier Life

Job stress is a fact of life. Whether you love your job or aren’t so happy with it, all jobs create some degree of stress, at least periodically. While it’s rarely possible to eliminate job stress completely, there are many things you can do to help reduce and manage the amount of stress you deal with every day on the job. Unmanaged job stress is a common health complaint, and work is often ranked as a higher stressor than financial troubles and family problems, according to the National Institute of... Read More

Are You Helping Employees to Avoid Distracted Driving?

Are You Helping Employees to Avoid Distracted Driving

Every day, more than 1,160 people are injured in crashes involving a distracted driver, according to the National Highway Traffic Safety Administration (NHTSA). In addition, the NHTSA claims that driver inattention is the leading contributor in most crashes or near-miss accidents in the United States. One of the chief causes of driver inattention is cellphone use. Cellphone use has become commonplace, and text messaging, emailing and conducting business via cellphone have become routine. While the convenience of cellphones can be enormous, problems arise when using a one while driving. A... Read More

Sexual Harassment Policies Can Reduce Small Business Liability

Sexual Harassment Policies Can Reduce Small Business Liability

Following the #MeToo movement, awareness of sexual harassment has increased. In addition, many businesses have placed an increased emphasis on sexual harassment policies and training to prevent sexual harassment claims. Unfortunately, this is not necessarily the case in the small business world. According to the CNBC/SurveyMonkey Small Business Survey of more than 2,000 small business owners, only half of businesses with 5-49 employees had formal sexual harassment policies in place. That number decreased to 39 percent at businesses with less than five employees. That’s a stark contrast to businesses with... Read More

Business Owner’s Policy–What Every Small Business Owner Needs to Know About Insurance

Business Owner's Policy--What Every Small Business Owner Needs to Know About Insurance

One of the critical needs for every business owner is choosing the right business insurance. Too much insurance means money spent that could have been better spent elsewhere. Too little insurance, or the wrong insurance coverage, can mean leaving your business unprotected and open to risk. Choosing appropriate insurance coverage is key to ensuring that the business remains lucrative, especially if any of those risks become reality. A business owners policy (BOP) takes some of the guesswork out of choosing insurance and can make it easier to safeguard your business.... Read More