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.


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.