Commercial Insurance Professional helping you navigate the ever-changing Insurance and Risk Management Universe!
Friday, October 28, 2011
Smartphones Pose Growing Security Risks
This is a great article regarding the risks involved in mobile technology.
Wednesday, September 28, 2011
Data Breach Stats
Here is a fantastic resource for statistics on data and privacy breaches. Go to https://www.privacyrights.org/data-breach. In addition to a library of articles relating to these issues, there is a database of all reported security breaches since 2005. You can search by industry segment, year, type of breach, etc. Pretty amazing stats! Did you know that just this year in 2011, there have been 142 reported breaches in the medical field alone? And those breaches have included 5,571,739 records affected!?!
Network security & privacy liability coverage is more widely available and affordable than ever before. Can your organization afford to be without this important coverage?
Network security & privacy liability coverage is more widely available and affordable than ever before. Can your organization afford to be without this important coverage?
Monday, September 26, 2011
Protect Your Trademark!
In March 2011, the Internet Corporation for Assigned Names and Numbers (ICANN) board approved the creation of the .xxx domain, which is to be used exclusively for explicit and pornographic content. The .xxx domain is intended solely for use by the adult entertainment industry, and officially launches on Dec. 6, 2011.
Trademark owners will have the opportunity to take simple measures during a 50-day sunrise period to prevent misuse of their most important brands. The 50-day sunrise period will run from Sept. 7 – Oct. 28, 2011.
SUNRISE PERIOD OVERVIEW
Sunrise Period Categories
During the 50-day sunrise period, there will be two categories of applicants. The Sunrise A category will be open to verified members of the adult entertainment industry, seeking registration of domain names, that possess verifiable trademark rights or own exact matching domain in other domains.
At the same time, the Sunrise B category will be open to non-pornographic trademark owners to preemptively block .xxx domain names from corresponding to their respective registered marks (e.g. www.nike.xxx). At the close of the Sunrise Period, if no conflicting application by a Sunrise A applicant has been made, the names will be blocked from registration. The block will last for at least the length of the 10-year contract term between the domain hosting company, ICM, and ICANN. Reserving parties will be charged a one-time fee, expected to be about $200.
Conflicting Applications
If a Sunrise A and Sunrise B application are submitted for the same trademark, the Sunrise A applicant will be informed of the Sunrise B application, and given the opportunity to withdraw its application. However, if the Sunrise A applicant chooses to proceed with the application, it will secure the domain name. Although the Sunrise A applicant would secure the domain temporarily should this situation arise, the fact that the trademark holder submitted an application would alert the Sunrise A applicant of a trademark infringement.
If a trademark’s holder fails to apply for protection under Sunrise B, ICM will have in place a procedure for the holder to dispute any obvious future infringement or cyber-squatting. However, this process is not guaranteed and will likely be expensive and time-consuming to carry out. Considering this, it is in a brand holder’s best interest to apply under the Sunrise B period and secure the brand.
Go to http://www.icmregistry.com for more information.
Trademark owners will have the opportunity to take simple measures during a 50-day sunrise period to prevent misuse of their most important brands. The 50-day sunrise period will run from Sept. 7 – Oct. 28, 2011.
SUNRISE PERIOD OVERVIEW
Sunrise Period Categories
During the 50-day sunrise period, there will be two categories of applicants. The Sunrise A category will be open to verified members of the adult entertainment industry, seeking registration of domain names, that possess verifiable trademark rights or own exact matching domain in other domains.
At the same time, the Sunrise B category will be open to non-pornographic trademark owners to preemptively block .xxx domain names from corresponding to their respective registered marks (e.g. www.nike.xxx). At the close of the Sunrise Period, if no conflicting application by a Sunrise A applicant has been made, the names will be blocked from registration. The block will last for at least the length of the 10-year contract term between the domain hosting company, ICM, and ICANN. Reserving parties will be charged a one-time fee, expected to be about $200.
Conflicting Applications
If a Sunrise A and Sunrise B application are submitted for the same trademark, the Sunrise A applicant will be informed of the Sunrise B application, and given the opportunity to withdraw its application. However, if the Sunrise A applicant chooses to proceed with the application, it will secure the domain name. Although the Sunrise A applicant would secure the domain temporarily should this situation arise, the fact that the trademark holder submitted an application would alert the Sunrise A applicant of a trademark infringement.
If a trademark’s holder fails to apply for protection under Sunrise B, ICM will have in place a procedure for the holder to dispute any obvious future infringement or cyber-squatting. However, this process is not guaranteed and will likely be expensive and time-consuming to carry out. Considering this, it is in a brand holder’s best interest to apply under the Sunrise B period and secure the brand.
Go to http://www.icmregistry.com for more information.
Thursday, April 21, 2011
Epsilon Data Breach Liability Still Unclear
Read this article regarding this recent security breach of customer data.
Thursday, March 24, 2011
Is the Hard Market Coming for Workers Comp?
Read this article from National Underwriter. Experts are warning the hard market is coming in workers compensation.
Thursday, February 10, 2011
A 14-point Workers’ Comp Annual Checkup Can Protect You Against Claims
By assessing your workers’ compensation program’s strengths and weaknesses, you can create a blueprint of the potential dangers that could result in higher insurance premiums. This 14-point workers’ compensation checklist can help you determine if you are doing all you can to safeguard your company and your employees.
Sunday, January 30, 2011
Hidden Gifts Within Your Workers’ Compensation Program
This article from PropertyCasualty360.com provides some great insight into workers compensation costs and challenges, and how to take a unique approach to improve performance.
Wednesday, January 26, 2011
Economic Straits Fueling Rise In Retaliation Claims
Check out this article from PropertyCasualty360.com.
Tuesday, January 25, 2011
Monday, January 24, 2011
Focus on Safety - Ergonomics
When was the last time you had a complete Ergonomics Review done for your organization? Ergonomics is the study of the relationship between people, their work and their environments. The goal of an ergonomic assessment of your work station is to help the body move in natural ways and reduce stressors that might cause damage and pain. Whether you are a manufacturer with an assembly line, a contractor, or your employees all work in an office environment, ergonomics is an area that should not be ignored.
The most common ergonomic pains result from strains on the neck, low back, shoulders, elbows, wrists, hands and eyes. Injuries generally occur due to one or more four primary risk factors: awkward postures, using excessive force, repetitive motion or contact stress. In addition, the way you lift and move your body can contribute to various disorders.
You can take measures to reduce the physical strain on your employees by practicing and encouraging ergonomics, the science of designing tasks to fit the physical make-up of the workers. Proper equipment, training, and modification of tasks will prevent injuries and reduce workers’ compensation claims.
Call Michelle Keller today to schedule an ergonomic assessment for your organization.
The most common ergonomic pains result from strains on the neck, low back, shoulders, elbows, wrists, hands and eyes. Injuries generally occur due to one or more four primary risk factors: awkward postures, using excessive force, repetitive motion or contact stress. In addition, the way you lift and move your body can contribute to various disorders.
You can take measures to reduce the physical strain on your employees by practicing and encouraging ergonomics, the science of designing tasks to fit the physical make-up of the workers. Proper equipment, training, and modification of tasks will prevent injuries and reduce workers’ compensation claims.
Call Michelle Keller today to schedule an ergonomic assessment for your organization.
Sunday, January 23, 2011
Ask About Group Personal Excess Liability
If you are always looking for ways to provide additional benefits to your employees, without necessarily incurring additional cost... Listen up. Group Personal Excess Liability is a comprehensive benefit for executives, managers, key personnel and other employees. It provides up to several million dollars in excess personal liability coverage for each employee in a group. This helps to protect staff members' personal assets, and provides a competitive price that they may not be eligible for on their own.
Here are some of the benefits of Group Personal Excess Liability:
- It is truly a group policy. Underwriting looks at the group as a whole. No individual will be declined or individually underwritten.
- Employees will have access to higher limits than they might qualify for on their own.
- Policies can be structured so that different classes of employees have different limits, or choose one limit for all.
- Worldwide coverage
- All dependents/relatives covered (subject to definition)
- Coverage extended to not-for-profit directorship
- Coverage cannot be canceled due to claim history
These are just a few of the reasons you should consider Group Personal Excess Liability for your organization. Call Michelle Keller today to explore your options and determine if it's right for you.
Here are some of the benefits of Group Personal Excess Liability:
- It is truly a group policy. Underwriting looks at the group as a whole. No individual will be declined or individually underwritten.
- Employees will have access to higher limits than they might qualify for on their own.
- Policies can be structured so that different classes of employees have different limits, or choose one limit for all.
- Worldwide coverage
- All dependents/relatives covered (subject to definition)
- Coverage extended to not-for-profit directorship
- Coverage cannot be canceled due to claim history
These are just a few of the reasons you should consider Group Personal Excess Liability for your organization. Call Michelle Keller today to explore your options and determine if it's right for you.
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