December, 2015

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Businesses that Need Big Data Insurance

Businesses that Need Big Data Insurance

There isn’t a single business in the world that doesn’t need some type of insurance. However, there is a specialized form of insurance that is necessary for only a few key types of business. Big data insurance is one type of policy that is absolutely necessary for select kinds of companies. Here are some businesses that can need this type of insurance.

Doctors’ Offices

It is fundamentally important that doctors’ offices, clinics, urgent care facilities and other similar businesses get big data insurance. These facilities deal with a massive amount of confidential information. Protecting a patient’s medical history and private details is one of the services this insurance provides. In the event of a breach, this insurance will fund efforts to investigate the attack, notify those affected and manage the crisis.


Because lawyers also deal in confidential information, they likewise need data insurance. This type of insurance is used both when the data is compromised and in the event of a lawsuit. If a client should sue the law firm or attorney’s office where the attack took place, this insurance would cover any settlements or judgments.

Protecting your clients and their information is as simple as having the right insurance policy. Offering big data insurance can help your client’s company in the event of an information breach. Make sure that you offer top-quality data insurance to your clients.

Understanding Employment Practices Liability Issues

Understanding Employment Practices Liability Issues

The temporary staffing services industry is undergoing rapid growth amid many employers deciding to go this alternative route, or simply offsetting the loss of full-time workers as they take vacations or sick leave. The use of temporary employees, however, is not without some legal risk. Staffing companies, along with their clients, have a unique relationship generally known as “co-employment”, which can create some interesting permutations when applied to the types of workplace exposures that exist.

The very real concern of employment practices liability issues must be addressed. Some carriers even offer special employment practices liability insurance (EPLI) policies to respond to the exposures faced by temporary staffing services agencies and their client companies.

EPLI cases are somewhat prevalent in the staffing industry

While other types of employers face similar concerns, employment discrimination lawsuits are not uncommon in the temporary staffing services industry. This is due in part to significant turnover and the vast size of their workforces, both of which result in considerably heightened exposure to litigation.

By allowing the temp staff company to handle most or all of employer-type actions such as hiring, discipline, and termination, client companies can minimize exposure to claims and liability based on co-employment status. However, they cannot fully avoid co-employment status under many of the employment discrimination laws, as it comes part and parcel with the arrangement between them and the staffing agency.

Co-employment liability generally exists for employees of temporary staffing companies placed on assignment at a client company because the temporary staffing company and the client company share “employer” responsibilities.

While the temporary staffing company interviews candidates, checks references, and handles all other employment-related functions up to the time of the assignment of a temp worker, the client company generally supervises and controls the day-to-day activities and work environment of the temporary worker while on assignment. This division of duties serves as way to determine who is responsible for the temp employee at any given time.

Some client companies demand indemnification agreements from temporary staffing companies relative to employment practices liability-related exposures arising in the workplace. At the same time, EPLI policies most often contain exclusions for breach of contractual obligations. It’s important to speak to your insurer to fully understand your duties and responsibilities as it is laid out in the policy language.

Safety Tips & Restaurant Insurance Help Curb Impact of Losses

After all, your business is your livelihood and you could face financial ruin from just one major incident!

It’s really amazing how much goes on in a restaurant on a daily basis. Customers, cooks, waiters, servers and delivery people can all be affected by what goes on, both good and bad. When the bad happens, you’re going to need the protection provided by having the best Restaurant Insurance you can afford. After all, your business is your livelihood and you could face financial ruin from just one major incident!

Don’t wait for the inevitable to happen, and be proactive about implementing safety procedures and standards that will reduce the chance of an expensive lawsuit or claim against your business. Here are some worthwhile safety tips to keep your establishment running safely and smoothly.

Have a professional degrease your kitchen

Excess grease in an around your stoves and other hot appliances are a disaster waiting to happen. Have an experienced professional come in and degrease your kitchen exhaust hood system every six months. Grease that accumulates in ducts, hoods, fans and vents can easily catch fire from flames and excess heat.

Have your employees wear proper clothing

Employees should be wearing aprons where appropriate, all shoes should have slip resistant soles, and oven mitts should cover the forearms as well the hands. This will reduce cases of slips and falls as well as burns.

Invest in anti-fatigue mats

Another way to reduce the number of slips and falls is investing in anti-fatigue mats.
These cushioned anti-fatigue mats will not only help prevent slips and falls, but will offer relief to your employees’ tired feet.

Make sure employees where cut-resistant gloves

Using sharp instruments comes along with the territory. Employees will feel safer when using knives if equipped with cut-resistant gloves. Stainless-steel mesh cutting gloves can also help prevent major cuts and injuries.

Require your employees to take a food handling class

The health of your customers must be a primary concern. Have employees working in your kitchen take a food handling class. The county’s Department of Health is a good place to start.

Have employees take an alcohol awareness training class

If your restaurant serves alcohol, as is usually the case, check in with the state’s alcohol or liquor control division to learn about available classes in your area.

Hopefully these tips, if not already in use, will help prevent unfortunate instances in the future. Safety aside, purchase adequate amounts of Restaurant Insurance for all of your risks and exposures.

Miami Fl Malpractice Insurance and Risk Management

Miami Fl Malpractice Insurance and Risk Management

Most people who go to school to be doctors and healthcare providers do so out of their desire to help others. What some of them fail to understand is that medicine is still a business. Like most businesses, it requires some type of risk management planning, which is not a term that one often hears during medical school. Yet, it should be an essential practice for all healthcare providers, given the unfortunate likelihood of being served with a medical malpractice complaint at least once during a career.

While having Miami FL malpractice insurance is absolutely essential, it doesn’t protect physicians from the emotional burden that a lawsuit will likely inflict. Which is why it’s important that you take some time to consider ways of reducing your risk of a lawsuit.

Ensure that you have the patient’s informed consent

One way to reduce some of the risk of having to implement your liability insurance policy is by prioritizing each patient’s informed consent. This is particularly true of patients who are anticipating a medical procedure, and this includes anything from brain surgery to a simple vaccination. Remember that there are exceptions to the standard guidelines for informed consent. If your patient is a minor, mentally disabled, or otherwise doesn’t have the capacity to make decisions, you must obtain informed consent from the individual’s legal guardian or proxy.

Keep up with current trends and developments

Like any other business, healthcare is constantly changing, as new techniques, new medical breakthroughs, and new types of medicines are being discovered and created. It should come as no surprise that claims are made against physicians who come under scrutiny, or are accused of negligence, for failing to keep up with the latest medical research and approaches for disease management.

It’s a pretty tall order for anyone to expect all healthcare providers to stay current in all areas of medicine. However, it certainly can’t hurt to brush up on any major industry changes brought to your attention, particularly those that apply to your area of specialty.

Finally, do proper follow-up with patients to prevent imaging scans or other tests from being overlooked. In some cases, your office might not even receive the results, or the patient may fail to report to the clinic for testing. Implementing an effective system in your office that tracks follow-up requirements is sound management planning.

You’ve worked hard to get where you are today. Protect your practice and yourself with Miami FLmalpractice insurance. Speak to an agent about any questions and concerns.

Nails Salons and New York Surety Bonds

Nails Salons and New York Surety Bonds

The landscape is changing for New York Surety Bonds as Governor Cuomo set October 6, 2015 as the date for all NY nail salon owners to obtain wage bonds to ensure owners are paying their employees for the services they provide. Additionally, as an added safety measure, nail salon owners must also provide their employees with certain protective equipment to help prevent chemical-related exposures and diseases.

This all came about when the New York State Labor Department discovered 116 wage payment violations in 29 salons after conducting a statewide investigation last year. Last May, the New York Times released a series detailing their findings concerning the unethical practices of some nail salon owners, including the severe underpayment of employees.

NY demands greater safety measures, cracks down on wage slaves

As a result, New York legislators repealed Section 160.9 of Title 19 of the New York Codes, Rules and Regulations (NYCRR) and added a new Section 160.9 that mandates bonding and/or liability insurance, requiring nail salon owners to maintain proof of financial security for accident and professional liability in the amounts of at least $25,000 per individual occurrence and $75,000 in the aggregate. The bond requirement varies, regarding payment of employee wages, according to the number of full time individuals who provide nail specialty services. Nail salon owners were allowed to keep their previous bond or insurance policy up until June 30, 2015.

Section 160.11 of Title 19 of the NYCRR states that all nail salon owners are required to provide employees with properly fitted N-95 or N-100 respirators to reduce inhalation of dust, provide protective gloves in enough numbers to allow employees to wear a new pair of gloves for each customer served, and sufficient eye protection to prevent splashes of potentially dangerous chemicals from causing significant harm to their eyes.

In late May, Governor Cuomo unveiled a workers’ bill of rights for nail salon employees that included minimum wage information, a hotline contact number for questions and complaints, and restrictions of employer ability to take away wages, with legislators posting requirements and notices of violations.

In addition, to avoid being fined, nail shop owners should make sure they have adequate New York Surety Bonds and that they are in full compliance with the comprehensive emergency regulations that have been implemented since the issues surrounding New York’s nail salon businesses were revealed last May.

Sparta New Jersey Business Insurance Needs

While not always mandatory, the risks of running a business without coverage in place are immense, which is why every businessperson needs to know exactly what types of insurance that there particular operation requires.

Sparta New Jersey Business Insurance is one of the most important things that a business owner needs to purchase for his or her enterprise. Generally, this is a requirement that must be fulfilled in order to commence operating. While not always mandatory, the risks of running a business without coverage in place are immense, which is why every businessperson needs to know exactly what types of insurance that there particular operation requires.

We would like to provide you with some tips for insuring and protecting your business in New Jersey that may further help you to understand everything you need to know about business insurance.

Types of coverage most businesses purchase as a start up

Insurance for a business will normally consists of coverage for property, liability and health. There are many different coverage policies from which to choose, and each policy consists of different kinds of insurance. Therefore, you’re job is to find out which of these packages will best suit your needs. The cost will most likely differ depending on any additional coverage options that are offered.

Property insurance

Property insurance protects your business from such losses as vandalism, theft and fire. It also protects your business from incidents resulting in interruption of service. Therefore, all expenses are covered in case your business is forced to close temporarily. The cost of this coverage depends on several factors, including the type of business, location of the business and the policy that you purchase.

Health Insurance

Most businesses are required to provide health insurance for the employees. After all, who doesn’t want coverage that provides protection for their employees in case they get injured in the work place? You can again choose from different plans that are available, with the cost of coverage depending on the selected plan along with several other factors. You’ll want to consider the best plan for your business dependent upon the number of employees you have and the nature of your operations.

Liability insurance

Liability insurance provides protection in case of injuries to visitors and customers. This is very important, since it saves your business from costly liability claims. The cost of this kind of coverage is determined by sales and payroll estimates among several other factors.

Don’t leave your business vulnerable to penalties and the possible threat of lawsuits. Purchase adequate amounts of Sparta New Jersey Business Insurance and watch your company grow and prosper.

Partnering with Aegis General Insurance

At times like these, maximizing insurance coverage has never been a more critical issue. Frustration can easily result in frivolous lawsuits being filed and lawsuits for employment practices arising out of reductions in staff.

There are times when municipalities deal with intense pressure providing services to the denizens of their city. They often have concerns over financial distress and budget decreases, which can make a difficult job even harder. At times like these, maximizing insurance coverage has never been a more critical issue. Frustration can easily result in frivolous lawsuits being filed and lawsuits for employment practices arising out of reductions in staff.

Many also point out a rise in misconduct by company executives and public officials alike, which is likely to spawn even more litigation. When litigation strikes, Aegis General Insurance would like to be there as a resource to cover defense and indemnity costs. But maximizing insurance coverage also requires a risk management program that embraces far more than simply buying the right policies. Following a couple of resourceful tips can vastly increase the odds that your clients insurance will work as they intended it to when they made their purchase.

Insurance is a key asset

If insurance is properly considered as a way to transfer risk at the time of purchase, it should be treated as such. Insurance policies should be thought of as critical assets equivalent to cash, which can also serve as a significant defense against unanticipated liability as certain types of claims, including environmental liability claims, may not be revealed until long after the damage has occurred. In this digital age, it is recommended that your clients scan and properly secure digital images of all policies so that they may readily access these assets when coverage must be confirmed years after the policy was purchased.

Give timely notice of a claim or loss

Timely notice is a requirement under most insurance policies, but unfortunately, quite often policyholders get caught up in defending a lawsuit or responding to an economic loss and forget to inform their insurance company of a loss. Never wait to give notice, especially since municipalities now constantly deal with aggressive investigative journalists, along with viral videos (for example, alleged excessive force by police officers) posted and aired on websites such as YouTube.

In order to facilitate fast service in light of these types of issues, implore your clients to make certain that notice is sent directly to their insurance company the moment an insured incident occurs. If the broker/agent is utilized, they will get faster solutions, and hopefully the desired results. When it comes to insuring municipalities, your customers can rely on Aegis General Insurance to provide the right policy for the right conditions.

Common Hazards and California Manufactured Home Insurance

Common Hazards and California Manufactured Home Insurance

Your clients that are owners of manufactured or mobile homes are often concerned about insurance, and the fact is many of them don’t factor in some of the exposures that they may face when it comes to purchasing an insurance policy. Having California manufactured home insurance is vital for wildfires and other hazards such as strong winds, which can cause major damage, even a total loss for many residents residing in high wind or high fire zones.

Another key aspect with manufactured homes is the depreciation that takes place on mobile homes as they begin to age. The good news is that, since the value of their homes has likely gone down since they originally purchased their insurance policy, they can likely look into reducing the limits on dwelling protection and liability coverage (not to mention the overall premium) since it could be higher than your clients’ need this to be.

Fire and other main concerns

The most common cause of fires in manufactured homes, according to the National Fire Protection Association (NFPA), is electrical distribution equipment. This problem is amplified because mobile-home fires can occur more easily when no one is home, which allows the damage to spread quickly and unpredictably. To make matters worse, also according to NFPA, smoke alarms are missing in half of all manufactured homes.

Insulation is another bone of contention. The difference in construction between site-built homes and traditional homes continues to bring about some insurance issues, one of which is poor insulation. You may mention winterizing or insulating their mobile homes to them, which will further decrease their risk.

Another common and serious concern regarding manufactured homes is damage from heavy windstorms. Since these dwellings are usually lighter than most site-built homes they are at serious risk of blowing over, which would greatly damage, if not completely destroy these properties. You might suggest that they consider increasing limits on their California manufactured home insurance policy in case they wind up needing to repair their home in the event that it’s damaged by major winds.