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Welcome to my Newsletter – September, 2019

I hope that you find these articles of interest. If you have a topic for future discussion, please let me know.

Please call anytime we can answer questions or be of help with your business or personal insurance needs.


What’s New This Month

10 HR Mistakes that Can Cost Your Business Plenty

The most common lawsuits that businesses face are those filed by employees. But what many managers fail to realize is that if they act early when receiving complaints and institute strict workplace guidelines that minimize the chance of making employees disgruntled, they can avoid costly lawsuits.

Often these suits stem from mistakes that company management makes. Here’s what you should avoid doing.

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File Your Homeowner’s Claims Promptly or Risk Having Coverage Denied

If your home has been damaged by a natural disaster, a fire or a long-term effect like mold growth, you would naturally file a claim with your homeowner’s insurance company.

But what if you don’t contact the company right away? Would the insurer still pay if you filed a claim six months after an event? While policies vary, they generally state that if you do not report your claim in a timely manner, it may be denied. Here’s what you need to know.

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The Risks of Staff Using Personal Devices for Work

As mobile devices such as tablets and smart phones become ever more common, employees are increasingly using their personal devices for work purposes.

However, there are security implications in allowing staff to store company data on their own devices and companies should put in place measures to keep any data breaches to a minimum. What are the risks to your organization and how can you keep your data safe when your staff uses their own device for work?

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Will Your Insurance Protect You from a Facebook Lawsuit?

Social media has grown by leaps and bounds over the past decade. What many people don’t understand are the unique risks that come along with social networking. Anyone using Facebook, Instagram, Twitter, LinkedIn or any other social networking site should exercise extreme caution in what they decide to say online.

As an example, in 2013 a teenager in Florida sued some of her classmates and their parents, accusing the classmates of bullying and humiliating her in a Facebook group. Many people believe a standard homeowner’s insurance policy will cover these kinds of lawsuits. In fact, it probably will not.

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Newsletter July 2019