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Taking a Closer Look at Electronic Data Protection Insurance

Taking a Closer Look at Electronic Data Protection Insurance

The internet has completely changed how most people go about their daily routines. In the business world, it has lead to data being the most coveted of resources. When you are able to gather and analyze relevant data related to your company and your customers, it can totally revolutionize how you handle your operations. Naturally, you also need to think about how to best protect your data. Failing to have the proper precautions in place can lead to serious consequences. …

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Understanding Your Construction Insurance Needs

Understanding Your Construction Insurance Needs

Construction projects face various types of risks. Hazardous conditions such as elevated platforms and confined spaces pose a threat to all onsite personnel. The use of heavy machinery and power tools can cause injury to workers. These are some of the risks to safety and health. You also have other exposures to consider. What if a fire destroys a project that’s under construction? What if your equipment gets stolen? What insurance do you have to protect the financial interests of…

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Special Insurance Considerations for Special Homes

Special Insurance Considerations for Special Homes

Most homeowners are required to carry insurance if their home is being financed through a mortgage. This insurance helps protect the lender’s investment from natural disasters such as fire, weather events, theft, and more. Responsible homeowners will carry this coverage even if there’s no mortgage. Typical homeowners’ insurance offers standard coverage limits that apply to homes that meet specific criteria. Homes that are owned for business purposes often come with features or uses that aren’t covered under typical policies. Understanding…

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Examining the Insurance Needs of Homeowners’ Associations

Examining the Insurance Needs of Homeowners’ Associations

A homeowners’ association is usually responsible for taking care of the best interests of a subdivision or neighborhood community. They usually maintain common areas and assets in a community such as signage, fencing, landscaping, clubhouses, and pools among others. HOAs also create and enforce rules in accordance with a set of covenants designed to help maintain property values and upkeep. HOAs are exposed to various risks in taking care of community business. Here’s what you should know about HOA insurance….

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Benefits of Using Custom Insurance Programs

Benefits of Using Custom Insurance Programs

Unifying your company insurance buying experience can help you streamline a lot of administrative work while it keeps your premium payments simple. It’s no wonder trade and custom insurance programs have been getting so popular over the past few years. If you are wondering what a custom insurance package would look like for your business, consider these common benefits that cause companies to make the switch to a single comprehensive coverage provider. No Gaps or Over-Insurance When you shop for…

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What Businesses Need to Know About Data Breaches and Liability

What Businesses Need to Know About Data Breaches and Liability

Data breaches can have costly consequences that may affect multiple parties. Businesses need to familiarize themselves with some of the liability concerns that a data breach scenario could raise. The Ramifications of Compromising Customers’ Information A data loss that reveals customers’ personal information could create thousands of identity theft victims. Compromising customers’ credit information can also precipitate considerable financial harm. Allowing unauthorized access of sensitive personal information such as medical records could cause additional concerns for businesses involving professional liability…

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Why Cyber Liability Matters for HOAs

Why Cyber Liability Matters for HOAs

Homeowner Associations are attractive targets for cyber criminals. With the right hit, cyber thieves can gain all sorts of valuables, from HOA money to homeowner information such as numbers for bank accounts and credit cards and email addresses. With cyber criminals growing more sophisticated, organizations need cyber liability for HOAs to match. Costs of a Data Breach Data breaches can happen in multiple ways. A board member might lose a laptop containing sensitive HOA information, for example, or digital thieves…

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3 Facts About Excess Insurance Coverage

3 Facts About Excess Insurance Coverage

If you have ever looked at an insurance policy and wondered what you would do if your possible damages exceeded the coverage, there is an easy answer. Excess insurance coverage is designed to supplement your regular insurance by essentially expanding its maximum payout in the event of a catastrophe that results in damages beyond the policy maximum. If you are thinking about buying a policy, there are a few facts to consider. 1. Excess Coverage Is Not Always Necessary If…

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RBT vs BCBA- Which Job is Right for You?

RBT vs BCBA- Which Job is Right for You?

If you’ve been looking into the field of applied behavior analysis, chances are that you’ve come across two different job titles: registered behavior technicians (RBT) and board-certified behavior analyst (BCBA). While both jobs share some commonalities, they interact with clients differently. There are also different BCBA and RBT liability insurance requirements. Here is a quick guide to the major differences.  Job Scope  Both RBTs and BCBAs work directly with clients. BCBAs are able to practice independently and may have their…

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Three Reasons To Offer Employee Benefits

Three Reasons To Offer Employee Benefits

Is your company growing and requiring skilled help? Are you ready to hire the kinds of employees that will take your business to the next level? If your company has reached this point in its growth process it may be time to consider offering an employee benefits package. Here are three reasons why doing this may be right for your company, right now. 1. Attract the Best Employees Talented and motivated workers are hard to come by. Attract them to…

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