What Does Cyber Insurance Cover?

Services such as home, life, and car insurance are quite well-known. However, most people are less familiar with cyber insurance. This type of coverage can be very beneficial to businesses, especially those that use a lot of technology or deal with people’s personal data. A company that provides cyber insurance may even provide services such as credit monitoring and identity theft restoration. Here are some other things that cyber insurance covers. 

Data Breaches

A data breach occurs when an unauthorized user steals information from a company’s computer system. Even a company with hefty security systems in place can be vulnerable to these attacks. If your company suffers from financial losses as a result of a data breach, cyber insurance can help recover some of these losses. 


Malware refers to rogue software programs on a computer that cause disruption to the way the computer works. When systems are down, it can interrupt business and cause profits to be lost for a day, a week, or even longer. Cyber insurance may help cover some of the loss of profit netted during a malware attack. 

If you own a business that relies heavily on technology, consider obtaining insurance coverage to protect against losses due to online attacks. 

Top 4 Boat Winterization Mishaps To Avoid

Nothing beats enjoying your boat out on the water during summertime, but eventually, you can expect the weather to cool off. Depending on where you live, there is a solid chance that this means you need to think about winterizing your water device after autumn rolls around. When you do, it can be useful to know about some of the top boat winterization mishaps to avoid. For some examples, take a look at this list.

1. Improperly Supporting Your Boat

The way you set up your boat for storage makes a difference. Without ensuring that you place the vessels far out enough for proper support, they can fall over.

2. Forgetting a Heater

Even though heat is necessary in winter, leaving your heater on is not wise. Not only is it a fire risk, but it will not help you if the electricity goes out as often happens during winter storms. 

3. Overly Exposing Your Boat to the Elements

In general, piecing tarp together is not adequate protection for your boat against the elements. Using a custom cover can help you prevent the errors that often come with makeshift solutions.

4. Underestimating Winterization Skills

Even if it seems like a simple task, winterization usually entails much more than amateurs initially think. For this reason, it is best to hire a professional to ensure that everything is right.

By avoiding these common mishaps when you winterize your boat, you will be able to ensure that it has a long life.

Best Practices for Updating an Employee Handbook

Workers in the US are very different today from how they were ten or even two years ago. With the changes in worker expectations, it is important that your business evolves alongside them. Here are a few tips for updating an employee handbook.

Use Inclusive Language

Your employee handbook might use pronouns such as “he” or “she,” but consider also using the pronoun “they.” Millennials and Gen Zers are making the general public more aware of gender nonconformity, and many individuals in these cohorts use the pronoun “they.” Your handbook should reflect inclusivity of non-traditional gender identities.

Allow for Mental Health Breaks

Mental illness can be exacerbated by overwork. Millennials and Gen Zers are particularly prone to depression and anxiety due to a combination of factors including student loan debt, high cost of housing and low wages. Allowing employees to take time off for mental health reasons can allow them to be more productive while on the clock. 

Accept Individuality

Consider the reasons for prohibiting certain things according to your employee handbook, especially ear piercings, unnatural hair colors and other marks of individuality. While these aesthetic choices may have been considered extreme 30 years ago, today they are commonly accepted. Consider eliminating the prohibition of these aesthetic choices in order to attract a wider pool of quality workers.

It is important to update your employee handbook to reflect modern life. These are just three things to consider.

Quick Guide to Marina Etiquette

Marinas can be like floating neighborhoods wherein there’s a time and a place for certain behaviors – and some behaviors are unforgivable. Here is your quick guide to marina etiquette.

Handle Your Trash

It is never acceptable to throw trash into the water. Plastic is especially toxic for the choking and entanglement hazards they pose to marine life. Make sure you cut up all plastic loops before discarding them into designated receptacles, including plastic bag handles and six-pack rings.

Move Slowly

Don’t speed out of port or rush in when docking! You don’t want to make waves for your neighbors and their expensive homes.

Keep it Ship-Shape

Keep all hoses, cords and lines coiled or packed away when not in use. Trip hazards are preventable with a little effort.

Maintain Your Vessel

Keep your engine maintained to prevent pollution into the water, which can kill marine life and turn a beautiful body of water into an oily mess. Complete your oil changes and check fluid levels regularly.

Move it Along

Don’t block the dock with your day’s unpacked gear or hog the launch ramps. Move efficiently and plan ahead so you don’t use common spaces longer than necessary.

These are just a few ways to be a good sailor to fellow water lovers, including marine animals.

Responding to Infection Risks in Care Home Settings

Care centers need to be vigilant about preventing transmissible infections. In settings where residents are in close proximity to one another and sharing common facilities, it is imperative that providers do everything reasonably possible to protect a population of residents with preexisting health conditions or increased susceptibility to serious infection due to advanced age.

Combatting New Threats

Clostridium difficile is among the most dangerous hospital-acquired illnesses. A bacteria infects the colon, and patients can experience extreme dehydration, permanent intestinal damage, or even death. 

A new deadlier strain of c. diff is accounting for a growing percentage of infections. Enhancing sanitation procedures and ensuring all patients take probiotics whenever there is an outbreak may be strategic precautions.

Recognizing the Importance of Training

It is important that frontline staff have a thorough understanding about the importance of infection prevention initiatives. Training sessions should include practical examples of what staff need to do in their individual job roles to reduce patients’ risk of exposure to viral or bacterial germs. 

Infection hazards in a care home setting can present significant challenges. Facilities’ policies and procedures aimed at prevention must be comprehensive but adaptive in order to effectively protect patients from isolated outbreaks of transmissible infection as well as public health emergencies affecting the general population.

Loss Prevention Through Data Security

The number of transactions conducted online increases each year. This means that employee theft is just as likely to take place in the digital world as it is in the stockroom. Take these steps to protect your business and its assets.

Limit Access to Sensitive Data

From embezzlement to data breaches, there are dozens of ways for employees to steal from your business from their computers. If employees can access financial records or customer information that is not essential to the performance of their duties, your business could be at risk for data theft. Some cybersecurity options for preventing internal crime include limiting access to sensitive information, disabling USB ports, and blocking access to file-sharing platforms. Enhanced cybersecurity may also reduce your insurance rates.

Hold Exit Interviews

Disgruntled employees can wreak havoc long after leaving your company if they take sensitive information with them, so consider conducting exit interviews to detect ill feelings towards the company and remind departing employees of data security policies. The reminder itself can serve as a deterrent, and the exit interview is an opportunity to reiterate legal penalties for violating workplace policies regarding data access and use.

Prevention is the best protection against internal crime, and as crime becomes more sophisticated, business owners must adapt and act accordingly.

How To Prepare for Possible Power Outage and Subsequent Disruptions

Running a business means knowing how to plan ahead for certain threats. When the power goes out, for example, you don’t want to simply sit around and wait for the lights to come back on. Since this disruption can lead to missing out on a share of profits, you may find it useful to take out insurance coverage that helps you mitigate your potential losses. Take a look at these suggestions to see if outage coverage applies to your needs. 

What Is Outage Coverage?

A policy option like business power outage coverage is meant to help business owners bounce back from the losses that can occur when electricity cuts out. For businesses that deal with goods that are perishable, this type of protection ensures that a blackout from a windstorm doesn’t lead to a major loss of products. A standard business owner’s policy will not cover such circumstances, so the extra protection offered by outage coverage can be invaluable. Other important insurance options to consider include: 

  • Commercial automobile coverage
  • Directors and officers policies
  • E&O liability 

Learn About Your Options

When you have a strong idea of what your risks are as a business owner, it makes finding appropriate insurance a much simpler experience. Review your options and see whether power outage policies are a sensible fit for your business. 

The Most Common Risks Craft Breweries May Face and How To Help Mitigate Them

Whether you’re thinking about opening your own craft brewery or whether you already own and operate a brewery, understanding the most common risks in your industry is important. Before you purchase insurance or institute a company-wide legal compliance plan, make sure you have some key craft brewery risk insights in your back pocket. Here are the top risks you should know about, as well as how to help mitigate them.

Alcohol Distribution Licenses and Other Legal and Compliance Issues

Legal issues are at the top of the list for risks associated with craft breweries. Before beginning operations or continuing them, make sure you:

  • Secure any necessary alcohol distribution licenses, food safety licenses and other licenses required in your area
  • Get regular food safety inspections
  • Check for legal compliance before offering drive-in, takeout or curbside pickup options to customers

Customer Interest, Competition and Company Branding

Another risk craft breweries may face is stiff competition and a lack of consumer interest. To combat this, it’s important to:

  • Find a strong marketing strategy and a unique branding niche
  • Research local competition and find ways to stand out from other breweries
  • Stoke customer interest by offering high-quality products, great service and occasional discounts or deals

Operating a craft brewery requires awareness of common risks. Now that you have some crucial craft brewery risk insights, you can mitigate these potential dangers more effectively.