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Category: Insurance

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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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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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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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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Winter Is Coming to Your Construction Projects

Winter Is Coming to Your Construction Projects

While safety should be a priority in any industry, contractors like you understand the risks of not having a proactive and comprehensive approach. Accidents do happen, but safety management, OSHA training and personal protective equipment are some of the ways to avoid incidents ahead of time. Experienced construction professionals are aware of field hazards such as confined spaces, scaffolding, ladders and dangerous tools, but how about that weather? Have you carefully considered winter safety for construction sites? Preparing for the…

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Natural Disasters Pose a Threat to All Business Types

Natural Disasters Pose a Threat to All Business Types

When you work in the business of lending funds to others, then you likely know a lot about the risks that you face on a regular basis. For most investors, the biggest risk comes in the form of individuals who don’t pay back the borrowed money or daily to meet the requirements in other vital ways. However, there are other issues you are likely to encounter. For example, you’re just as likely to fall prey to natural disasters as anyone…

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How Will DJs Gain Competitive Edge Going Forward?

How Will DJs Gain Competitive Edge Going Forward?

A great event does not happen without excellent, well-balanced sound. The disc jockey, then, becomes the centerpiece of the party, commanding the ebb and flow of vibrant frequencies. However, if the DJ does so well that the celebration grows too raucous, that individual may want to consider an investment in liability insurance for DJs before the next musical encounter. Event/Function Liabilities DJs spend countless hours understanding each piece of equipment they use, not to mention the physical exertion from having…

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What Steps To Take After an ATV Accident

What Steps To Take After an ATV Accident

No matter how many precautions you might take in life, you never know when an accident will happen. Even the most responsible of drivers are subject to bumps and crashes now and again. The trick is learning how to take proper steps to reduce the odds of an accident while learning more about what steps you need to take in the event an accident does occur. This is especially true when it comes to non-traditional vehicles like ATVs. These tips…

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Advantages and Disadvantages of Self-Insuring for Workers’ Compensation

Advantages and Disadvantages of Self-Insuring for Workers’ Compensation

For companies with the available resources, choosing to self-insure their workers’ compensation plan may make sense over going through a third-party insurance company. However, it’s important to consider the pros and cons before making that decision. Advantages of Being Self Insured for Workers Comp There are many reasons, for companies who qualify, to self insure for workers comp, provided they are operating in a state that allows them to do so. Some of the primary reasons include: Reduced premium expenses….

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Why Your Landscaping Company Needs Sufficient Insurance

Why Your Landscaping Company Needs Sufficient Insurance

Landscaping is sometimes thought of as a casual profession, but that is rarely the case. In fact, quality landscaping is highly technical, requiring trained technicians and a thorough knowledge of local ecology and environmental conditions. Still, even under the best of circumstances, landscapers can run into all sorts of problems. For a wide number of reasons, carrying requisite insurance for landscaping company is necessary to protect your business, workers, and clients. What Types of Insurance Does a Landscaping Business Need? The…

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