How Claim Advocacy At Your Insurance Agency Can Make A Million Dollar Difference.
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Ransomware has featured prominently in the news over the last few years. In fact right here in Central New York, local municipalities have battled this problem. Hospitals, law enforcement agencies and even individuals have been affected by it. In some cases, ransom was actually paid and the entity went on to recover their computer data; others have lost their data forever.
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Ransomware has featured prominently in the news over the last few years. In fact right here in Central New York, local municipalities have battled this problem. Hospitals, law enforcement agencies and even individuals have been affected by it. In some cases, ransom was actually paid and the entity went on to recover their computer data; others have lost their data forever.
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In today’s ever-shifting legal environment, employers are increasingly being held accountable for the benefits options they offer employees. If your company sponsors a retirement or health plan for employees, and if you are involved in any way with the management of that plan, you are likely considered a fiduciary. Under the 1974 Employee Retirement Income Security Act, or ERISA law, fiduciaries can be held personally liable for a breach of fiduciary duties.
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The Real Target of Credit Card Thefts
Case Study: Your company sells widgets used in manufacturing....
The John Smith Company contacts your sales department via internet and places an order for $10,000 in widgets to be shipped to a country ending in “Stan”. He’ll pay you in full, by credit card, but you have to arrange shipping through a company that he uses to handle the logistics.
Your sales department contacts Outlaw Freight and they quote you $5,000 for associated shipping costs.
Your salesman tells The John Smith Company that the total cost of the order is $15,000. The John Smith Company gives him a credit card number. After a few days, the credit comes through and shows on your account, everything looks fine. You are instructed to wire the shipping charges to Outlaw Freight and to send the product to their attention at a shipyard.
A few days later, you are notified that the credit has been backed off of your account. It turns out that the credit card number was stolen and the holder disputed the charge when it showed up on his statement.
Turns out that The John Smith Company and Outlaw Freight do not exist. Their addresses are actually a hair salon and municipal parking garage. You have lost your product, and worse yet, you wired away $5,000 of your money.
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Owning a business can be very rewarding and also very challenging. As a business owner you invest hours upon hours to develop success, it is only natural to want to protect your investment, and a proper insurance/risk management program is one way of doing that.
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Although marijuana remains illegal under U.S. federal law, the drug is increasingly becoming legalized throughout the states. In fact, four states and the District of Columbia have legalized the medical and recreational use of marijuana in order to regulate, tax and test it—and many other states are considering similar laws.
While the legalization debate rages on, it forces the question: How should employers move forward with their drug policies? Employers in manufacturing, manual labor, and transportation have a lot to lose with a no-tolerance drug policy as they are caught between providing a safe work environment and potentially alienating qualified employees.
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A drone is not exactly a simple toy. This unmanned aircraft system comes with a set of specific guidelines which need to be followed to avoid legal issues. Many children do not fully comprehend the legal and safety restrictions which could potentially have major consequences.
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Topics: Drone
According to the US Department of Education, more than 60% of students served under the Individuals with Disabilities Education Act (IDEA) are educated in general classrooms for as much as 80% or more of the day.
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According to the US Department of Education, more than 60% of students served under the Individuals with Disabilities Education Act (IDEA) are educated in general classrooms for as much as 80% or more of the day.
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