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Non-Owned Auto Coverage Essential for Any Business

Even businesses that own fleets of autos sometimes use vehicles that do not belong to them. Often, a company asks an employee to run an errand or visit a customer or vendor using that employee’s car. The business may be legally liable for anything an employee acting on its behalf does while behind the wheel.

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New Software Security Hole May Put Your Business at Risk

The federal government is warning that a newly discovered computer software vulnerability poses a major threat to the security of computer networks around the country. Cyber criminals are exploiting holes in open-source code software commonly used in computer applications, websites and cloud services, which can allow them to seize control of a business’s computer network

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Sexual Harassment Lawsuits: How to Protect Your Company

By now, employers should all realize and understand that sexual harassment is illegal. Employers are directly responsible for employee behavior, which gives harassed workers recourse in bringing legal actions against those that employ them. Work-related harassment and discrimination cases have been steadily climbing since the Civil Rights Act of 1991 allowed for trial by jury,

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Dear David: What is a workweek?

Question: What is a workweek? Is it just our hours of operation? Answer: A workweek is not the same thing as your hours of operation. Rather, it defines the 168-hour period (i.e., seven 24-hour days) in which you track your non-exempt employees’ time to determine whether they’re owed any overtime premium pay. The workweek can

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Employees Responsible for 85% of Trade Secret Theft

Trade secret theft by employees is a serious and growing problem in the U.S. According to an analysis of federal court cases, 85% of such theft is committed by employees or business partners. Lately, companies have been focusing on high value, high-tech cyber attacks by outsiders that breach databases, but threats from the inside are

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Dear David: How to Make Sure Remote Employees Are Productive

In this edition of Dear David, learn the practices that give you peace of mind and give your remote employees autonomy. Question: What are effective ways to manage remote employees and monitor their work? Answer: Managing remote employees can certainly be a challenge. Here are some of the practices we recommend: Set measurable goals around quality

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Coverage Gap Concerns as Cyber Threat Grows

Small and mid-sized businesses are increasingly being targeted for cyber attacks, as criminals consider them low-hanging fruits that often do not have the resources in place to mount a strong defense.  A severe attack on a small company can incapacitate its ability to do business, and the expenses of getting operations back on track — coupled

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Why You Need Key Man Insurance

If you are operating a small business, you are likely relying on a small staff to get the job done.    Many employees in small firms have to wear many hats and if one of them or an owner should die, the business could suffer greatly from that sudden loss of talent. If you don’t have

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Paid Ransomware Demands Fall Sharply as Businesses Wise Up

Businesses are getting better at beating ransomware extortionists and more victims are refusing to pay to unlock their systems, according to a new report.   The ratio of ransoms that the cyber criminals demand to ransoms actually paid fell to just 12% in the third quarter of 2021, compared to 44% in the same period in the year

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Commercial Property Policy Won’t Cover Floods or Earthquakes

Many business owners are confused by the seemingly endless array of insurance policies and premiums. But an understanding of what your basic commercial property insurance covers and doesn’t cover is critical to any risk management strategy.   Furthermore, any responsible risk management plan must include an assessment for flooding and earthquake damage, and a plan for insurance

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