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.

These Dog Breeds Will Affect Your Homeowners Insurance

Your homeowners insurance agent will care if you own one of these dog breeds. You love your dog, and he or she is probably as much as part of the family as any human member at this point. So it makes sense that in the same way your homeowners insurance agent needs to know about your family members, he or she needs to know about your dog. Why? Dogs present a liability. Even the most docile dog can act out of character and bite someone if he or she feels particularly threatened. Luckily, not all dogs will take a bite out of your homeowners insurance options, but here are a few dog breeds that could make it harder to get coverage. Chow chows Doberman pinschers Akitas Presa Canarios German shepherds Rottweilers Siberian huskies Pit bull terriers Alaskan malamutes If you own one of these dogs, some insurance providers might decline coverage. If you have a difficult time insuring your house because of your dog, know that you can always get a separate dog owner liability insurance policy. Would you like to talk to an insurance agent about how your four-legged family member affects your homeowners insurance? To make sure your family—including its furry members—have the right coverage, contact Miller Insurance AssociatesYour homeowners insurance agent will care if you own one of these dog breeds.

You love your dog, and he or she is probably as much as part of the family as any human member at this point. So it makes sense that in the same way your homeowners insurance agent needs to know about your family members, he or she needs to know about your dog.

Why? Dogs present a liability. Even the most docile dog can act out of character and bite someone if he or she feels particularly threatened. Luckily, not all dogs will take a bite out of your homeowners insurance options, but here are a few dog breeds that could make it harder to get coverage.

  • Chow chows
  • Doberman pinschers
  • Akitas
  • Presa Canarios
  • German shepherds
  • Rottweilers
  • Siberian huskies
  • Pit bull terriers
  • Alaskan malamutes

If you own one of these dogs, some insurance providers might decline coverage. If you have a difficult time insuring your house because of your dog, know that you can always get a separate dog owner liability insurance policy.

Would you like to talk to an insurance agent about how your four-legged family member affects your homeowners insurance? To make sure your family—including its furry members—have the right coverage, contact Miller Insurance Associates.

Protect Your Winter Toy with Snowmobile Insurance

Snowmobile Insurance Carlisle PACoverage Options for Your Snowmobile Insurance Policy

There are few better ways to enjoy the winter than on your snowmobile. Before you head out on the trails this winter, it is important to make sure that you have the right snowmobile insurance policy to protect you and your toy.

There are many coverage options to look at when investing in the right snowmobile insurance policy, including:

  • Liability – which will provide coverage in case you injure another person or damage someone’s property while riding your snowmobile.
  • Personal injury protection – this will cover any medical bills if you are injured while riding your snowmobile.
  • Comprehensive – having this insurance coverage will protect you in case your snowmobile is damaged by an incident other than an accident, such as in a storm, from a fire, or from theft.
  • Collision – this will provide coverage in case you are involved in an accident with another vehicle, including another snowmobile or car.

For all of your snowmobile insurance needs and to ensure that you have the right amount of protection this winter, contact Miller Insurance Associates in Carlisle, Pennsylvania. We will work with you to ensure that you have the most comprehensive coverage, all at the right price for your budget.

Stay Safe with a Cyber Liability Policy

Stay Safe with a Cyber Liability Policy

Data breaches are one of the biggest threats to businesses. Having the right security measures in place and the right insurance can help to ensure that your business is not financially devastated in the event of a data breach.

Cyber liability insurance is the best way to ensure that you’re protected in case of any data breach issues. Cyber liability insurance provides many different coverage options, including:

  • Cost to respond to a breach. In Pennsylvania, it’s required by law to notify all customers and clients in the event of a data breach. The policy will also cover the cost to determine the extent of the breach, as well as credit monitoring for anyone who was affected by the breach.
  • Legal defense. If your business is sued due to a data breach, a cyber-liability policy will cover the cost to hire a defense team for the lawsuit.
  • Recovery expenses. The policy will provide the financial means to help recover your identity if it was stolen during the breach.

For all your cyber liability insurance needs, contact Miller Insurance Associates in Carlisle.