Falls are already one of the most common accidents at construction sites, but working outdoors during the winter can create even more hazards. Fortunately, there are ways to compensate for these additional risks and keep employees as safe as possible.
While conducting operations during winter conditions, take the following precautions:
Ransomware actors shifted to more “mid-game hunting” in the third quarter (Q3) of 2021, resulting in fewer large ransom payments and more lower payments made by middle-market organizations, according to recent data from Coveware, an incident response and ransomware negotiation firm.
The average ransom payment amount stayed around the same level between the second quarter (Q2) and Q3 at $139,739, but the median amount jumped over 50% to $71,674, the firm reports. Both statistics are...
READ MOREIn recent years, cyber incidents have surged in both cost and frequency. These incidents have become a pressing concern for organizations of all sizes and sectors—and construction companies are no exception. Although employers within the construction industry may think that their cyber exposures are minimal, this often isn’t the case. Rather, such vulnerabilities can come from a variety of different avenues and lead to devastating damages.
In fact, a recent survey found that over 75%...
READ MOREProduct liability Insurance, also known as products-completed operations insurance, provides solid protection for your business relating to the manufacturing or sale to the public of products, foods, medicines or other items. Specifically, as part of commercial general liability (CGL) policy, this coverage provides protection against liabilities for losses due to injuries caused by malfunctions or defects in your products—including design defects or a failure to warn consumers about the...
READ MOREIf a friend drives my car, is he or she covered by my policy? Since most insurance coverage is connected directly to the car, if someone else borrows your car occasionally, he or she should be covered under your policy. Yet, your premium is based on both your vehicle and the “primary” driver of that car—you. If someone else starts driving your car more than you do, contact us to have them added to your policy to avoid coverage complications.
If I borrow a...
READ MOREIn 2020, the COVID-19 pandemic forced many businesses to send employees home to perform their jobs. Cybercriminals have found this new remote workforce a tempting target, unleashing phishing, malware and ransomware attacks.
These threats exploit the weaknesses of many businesses’ cybersecurity systems. In 2021, businesses will see a continuation of these attacks and new, emerging vulnerabilities, making it all the more important for organizations to keep the following in mind:
... READ MOREOrganizations continue to leverage social media channels to engage and interact with customers on a more personal level. Social media remains a great opportunity for businesses to connect with customers, job candidates and other stakeholders. However, before fully involving your business in social media, it’s important to understand the associated risks.
Negative content, such as bad customer reviews or unfavorable comments, may appear on your company’s social media sites. While...
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Owning and operating a hotel can be a rewarding endeavor. However, hotel operators have to manage numerous exposures related to lodging, and many offer amenities—including pools, exercise facilities, bars and restaurants—that can dramatically increase the number of insurable risks. The list below provides an overview of these hotel risks and more, helping you identify potential blind spots in your risk management and insurance programs.
Due to the volume of valuable items and...
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Plumbing contractors provide much-needed services for both residential and commercial customers alike. However, plumbers have a number of unique risks to consider. In fact, any incident involving installing and repairing pipes or fixtures can lead to major property damage, as well as potential legal action.
These challenges are magnified when you consider that risks related to equipment breakdowns, business interruptions and crime must also be addressed. The list below provides an...
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Owning and operating a retail store can be a fulfilling experience. Years of hard work, risk-taking and financial investments have allowed you to turn your dreams of opening a store of your own into a reality. However, many business owners don’t realize how many exposures they must address to keep their business operating smoothly.
Depending on the specific type of store you manage, there are a number of exposures to consider, including risks related to property and merchandise damage...
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