Workers’ Compensation Insurance: Do You Need It?

Workers’ Compensation Insurance: Do You Need It?

When you hire a nanny, babysitter, or a caregiver of any sort, do you need workers’ compensation to cover the liability?

When you have an employee under your services like a housekeeper, senior caregiver, or nanny, having workers’ compensation can offer the protection you need if that employee gets injured while on the job. Your nanny can step on an unmerciful LEGO brick, your housekeeper can fall down a flight of stairs, the caregiver may pull their back trying to pull your parent from bed; the possibilities of injury are near endless. When you hire a caregiver, make sure that you have the right workers’ compensation under your policy.

  1. Why Have Workers’ Compensation?

Only about half of all states in the U.S. require that employers own workers’ compensation. Because of this, these employers may think that they don’t need this policy. Workers’ compensation can help take care of the employee, but more importantly, it works as a financial shield for you.

  1. What Happens if the Caregiver Gets Hurt?

If your employee gets injured while they are on the job, you must alert your carrier and include the necessary information like date, location, time, names, and contact information. The insurance carrier will take care of the medical bills, up to the limit, and even give the employee money for lost wages.

  1. Why Can’t I just Pay the Medical Bills?

Nothing is stopping you, but it’s just not the way things are done. Just offering to cover the medical costs to take care of the injury and save you the claim may come back to hurt you. If your employee’s injuries recur or flare up, you may have to deal with even more bills.

For all of your business insurance needs, like workers’ compensation, contact Miller Insurance Associates in Carlisle, Pennsylvania.

Liability Risks from Using Social Media

Liability Risks from Using Social Media

You may think that social media is all fun and games until a lawsuit lands on your lap, here are a few of the liability risks that come with social media.

Like it or not, what you post on social media matters and its effects can be a real game-changer for the business that knows how to wield this power. Don’t believe us? Let’s take a ride back in time. The year is 2013, and DiGiorno’s Pizza live-tweets (the act of tweeting along with an event, usually a live event) The Sound of Music. The frozen pizza company managed to create some serious goodwill for its timely and quirky tweets.

By contrast, social media can have a negative effect on your business, as highlighted by the very same company, DiGiorno’s Pizza, when they attempted to make a joke on the #WhyIStayed tag on twitter that dealt with domestic violence.

Yikes.

Some mistakes can even have legal consequences. For example, you can’t do the following:

  • Publish someone else’s words or likeness to promote your business without their expressed consent.
  • Copy someone’s advertising.
  • Post copyrighted content without the copyright holder’s consent.
  • Publish content that is libel–or the false information of a person or entity. (Even in the word of “alternative facts.”)

How to Keep Your Social Media Out of Trouble

  1. Purchase a general liability insurance policy because mistakes may be made. To err is human, to purchase a liability policy is divine.
  2. Make sure that your employees always get your approval before they post on behalf of your company.
  3. Plan your social media in advance, that way there are no unwanted surprises; the only surprise being an increase in followers and customers!

Like all tools, social media needs to be handled with care, lest it turn on you. For all of your business insurance needs to ensure you have the right social media liability coverage, contact Miller Insurance Associates in Carlisle, Pennsylvania.

The Most Popular Password Is Painfully Easy to Guess

The Most Popular Password Is Painfully Easy to Guess

By creating an easy-to-guess password, you are practically inviting hackers and cyber criminals to take all your sensitive information.

It’s official: people are just painfully and agonizingly bad at creating passwords.

The world’s most common password is the incredibly easy to guess, 123456, according to a massive analysis of 10 million leaked passwords.

Throughout the year of 2016, there were many major data breaches that leaked people’s login info online. Some of the login info was new but most of it was years old.

In either case, the breaches allowed researchers to take an unparalleled look at the security habits people have developed over the years. They were all but disgusted.

After having trawled through 10 million passwords, the researchers found that a shocking 17 percent of people use the most insecure password one can think of: 123456. In second place was the slightly longer but equally depressing, 123456789, followed in third place by qwerty which only required users to shift their hand about one centimeter south. Then came 12345678 and then an eye-opening 111111.

For being the 21st century, too many people are using archaically antiquated passwords. “Looking at the list of 2016’s most common passwords, we couldn’t stop shaking our heads,” wrote the lead researcher.

While the leaking of passwords is unfortunate, it may have been necessary to alert people on their insecure habits that not only put them at risk, it can put the safety and security of their loved ones at risk as well.

If your password is any of these, you need to change them immediately for your security:

1. 123456

2. 123456789

3. qwerty

4. 12345678

5. 111111

6. 1234567890

7. 1234567

8. password

9. 123123

10. 987654321

11. qwertyuiop

12. mynoob

13. 123321

14. 666666

15. 18atcskd2w

16. 7777777

17. 1q2w3e4r

18. 654321

19. 555555

20. 3rjs1la7qe

21. google

22. 1q2w3e4r5t

23. 123qwe

24. zxcvbnm

25. 1q2w3e

How to Make a Strong Password

  • Mix upper- and lower-case letters.
  • Use special characters like !@#$%^&*()?<>
  • Use numbers betwixt your characters.

The internet can be a safe and secure place, but only if you make it so. For all of your business insurance needs to ensure you have the right cyber liability coverage, contact Miller Insurance Associates in Carlisle, Pennsylvania.

Cover Your Losses with Business Interruption Insurance

Cover Your Losses with Business Interruption Insurance

Business interruption insurance can help your business get through tough times.

Standard property insurance covers physical damage and losses to your business’ property. Events like a fire destroying your business, storm damage, theft, and other things are all covered under a typical business insurance policy. While these damages are covered, what will cover your business while repairs are being done? Can your business survive the weeks or months it will take to get everything back up and running? For this, you’ll need business interruption insurance. Here are some things you need to know about business interruption insurance.

Provides Financial Coverage to Your Business

Construction may be covered under your current policy, but what about your revenue? With closed doors, it will likely take a hit and that may be something you and your business cannot afford. When your business is shut down due to a covered damaging event, you are going to lose revenue. Business interruption insurance can cover:

  • Fixed expenses like rent and utility costs.
  • Average revenue that is lost due to the closure.
  • Expenses of operating your business from a temporary location.

Purchasing Business Interruption Coverage

Business interruption coverage is not sold by itself, meaning that you have to add it to an already existing form of business insurance.

  • Commercial Property Insurance – You can add a rider or endorsement policy to your property insurance that will extend the policy’s coverage to cover your business interruption losses.
  • Business Owners Policy (BOP) – This policy is intended for small businesses and includes property, liability, and interruption coverage.
  • Commercial Package Policy (CPP) –CPP’s are customizable policies that offer a range of options that includes business interruption coverage.

For all of your business insurance needs to ensure you have the right interruption coverage, contact Miller Insurance Associates in Carlisle, Pennsylvania.

Cyber Security Tips for You and Your Business

Cyber Security Tips for You and Your BusinessIf your business is connected to the internet in any way, you need to make sure that you take these cyber security tips into account. 

The internet is a wonderful place that is able to provide us with all the information we could ask for and can connect people from opposite ends of the world in an instant–something that would have been impossible, or very expensive only two decades ago. But there are some humans out there that want to see the world burn and ruin it for everyone by hacking into databases and stealing private information. If you want to protect your business from the dangers of cyber liability, take these tips into consideration.

Don’t Give Your Password Over the Phone

Never give your password over the phone. If someone calls you and asks for your password while claiming they are from your phone company or tech support, it is likely an attacker attempting to gain access to your account.

Mobile Apps

Only install apps from trusted places. Always double-check the privacy setting to ensure you are not giving away too much private information. Read the reviews to make sure the app you want to download is secure.

Forwarding Emails

When you forward an email to other people or add people to an email thread, make sure that the content is suitable for everyone. It is easy to forward emails with sensitive information that people should not have access to–and then you never know to whom they will forward it.

If you know how to navigate through the internet and know what to look out for, the internet can be a place of great collaboration. For all of your business insurance needs to ensure you have the right cyber liability coverage, contact Miller Insurance Associates in Carlisle, Pennsylvania.

Business Insurance Needs for Startups

Business Insurance Needs for StartupsBusiness insurance is not just for major corporations, but even for the smallest of home-based businesses as well.

For most companies, even little ones, business insurance should be considered as a quintessential necessity. In some states, some types of insurance are required by law. Others may not be legally required, but may be desired by business associates or investors. But, business insurance isn’t about meeting requirements; it’s about protecting your employees and your investment in the organization. Here are the kinds of business insurance policies all businesses should for their protection.

Types of Insurance Policies:

General Liability Insurance

This provides financial protection for your business in the event of lawsuits and claims. This usually covers injuries or property damage if your employees succumb to harm or illness at work and bring a lawsuit against you. This policy may include the legal fees associated with the suit.

Property Insurance

Property insurance covers your business’ physical building and assets. Fire, smoke, wind, hail storms, and theft are usually included. That means if there’s a big enough storm and it knocks over a tree or causes a short circuit causing your business burns to the ground, the coverage will take effect and pay for the repairs. Flood and earthquake damage are generally not covered by property insurance.

Business Owner’s Policy (BOP)

A BOP bundles general liability and commercial property coverages and is the most affordable choice because you are not purchasing two separate policies.

Small businesses are not immune to risks; life takes no breaks and tends does not discriminate its distribution of punishment. For all of your business insurance needs to ensure you have the right cyber liability coverage, contact Miller Insurance Associates in Carlisle, Pennsylvania.

How Your Small Business Can Go Green

More and more companies are going Green, if you’re interested in converting your business into a Green business, follow these helpful tips.

Environmental consciousness is something that is important to consumers everywhere. In an age where human activity has planet-wide consequences, the eco-friendliness level of a business can often be the deciding factor in choosing one product over the other. As consumers are becoming more and more aware of the affect we are having on the earth. You may have seen some businesses around your neighborhood adapting to reduced energy usage, and have thought about going Green yourself. The resources below will provide great information on how you can make your small business environmentally friendly, appeal to customers, and save you money in the long-run.

  1. Leave Paper Behind – Whenever possible, avoid using paper entirely. If you have to print, use eco-friendly paper. Post-consumer waste (PCW) is made entirely from the paper we dump in recycling bins every day. Making PCW paper utilizes 45 percent less energy to produce and creates half the waste that traditional paper makes. Look out for the “ 100% PCW” label on your next ream.
  2. Replace Outdated Appliances – Energy Star appliances have labels that help you assess their energy consumption. Newer appliances use less energy because they are more efficient and have been made with climate change in mind.
  3. Alternative Energy Power – In many areas of the country, you can sign up to purchase “green power.” This energy is generated from renewable energy resources (e.g. wind, solar, geothermal, hydropower, plant matter, etc.) The investment is quite significant, but a lower energy bill will save you money in the long-run.

Going green is going to be critical for future businesses, so getting a jump-start is going to greatly benefit your organization. For all of your homeowners or business insurance needs to ensure you have the right cyber liability coverage, contact Miller Insurance Associates in Carlisle, Pennsylvania.