Dear Valued Customer, This issue of “———————-” focuses on Certificates of Insurance. A Certificate of Insurance validates the existence of an insurance policy, but it is much, much more. In addition to describing the insurance available to the named insured, a certificate may also convey information that the certificate holder is an additional insured under…

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Man's face wearing skeleton mask looks ominous

Data hackers can cost businesses big money. Travelers, a leading provider of Cyber Insurance, suggests that it could cost somewhere in the neighborhood of $7 million if they suffer a breach. Since any company that accepts electronic payments is at risk, Cyber Insurance has become one of the most important types of insurance any business…

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While cyberattacks and data breaches at Fortune 500 companies tend to dominate the headlines, America’s more than 28 million small businesses and their 56 million employees are increasingly vulnerable. Their exposure is much the same as that of larger companies, experts say, but many may overlook or underestimate the threat and may not fully understand…

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Cyberattacks can occur in many ways, including: Accessing your personal computers, mobile phones, gaming systems and other internet and Bluetooth connected devices. Damaging your financial security, including identity theft. Blocking your access or deleting your personal information and accounts. Targeting children and adults. Complicating your employment, business services, transportation and power grid. Protect Yourself Against…

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For Fiscal Year 2018 (Oct. 1, 2017, to Sept. 30, 2018) The following is a list of the top 10 most frequently cited standards following inspections of worksites by federal OSHA. OSHA publishes this list to alert employers about these commonly cited standards so they can take steps to find and fix recognized hazards addressed…

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OSHA published a Final Rule to amend its recordkeeping regulation to remove the requirement to electronically submit to OSHA information from the OSHA Form 300 (Log of Work-Related Injuries and Illnesses) and OSHA Form 301 (Injury and Illness Incident Report) for establishments with 250 or more employees that are required to routinely keep injury and illness records.…

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Federal OSHA coverage Federal OSHA is a small agency; with our state partners we have approximately 2,100 inspectors responsible for the health and safety of 130 million workers, employed at more than 8 million worksites around the nation — which translates to about one compliance officer for every 59,000 workers. Federal OSHA has 10 regional…

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D&O insurance policies offer liability insurance coverage for the Directors and Officers of non-profit, for-profit, and privately held businesses.  Directors and Officers insurance helps protect them from defense costs and damages which may arise from managerial decisions that may have adverse financial consequences. All organizations are vulnerable to D&O insurance exposures. Read more about the who,…

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