"Insurance that protects you in case of a cyber attack may seem like something only large corporations would ever need, or could ever afford. But believe it or not, cyber liability insurance makes lots of sense for small companies as well."

- Inc.

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The Value of Encryption

"While security risks can also be reduced on hardware through the use of firewalls, antiviruses and anti-spyware, encryption can commonly be considered the last line of defense. If intruders try to knock down your security measures to capture your data, their efforts will be unsuccessful as long as your data is encrypted."

- Connectria

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OK! Let’s go back to basics! Who needs to encrypt Personal Information? Also, who needs Cyber Liability insurance?

"Pressure at the workplace is unavoidable due to the demands of the contemporary work environment. Pressure perceived as acceptable by an individual, may even keep workers alert, motivated, able to work and learn, depending on the available resources and personal characteristics. However, when that pressure becomes excessive or otherwise unmanageable it leads to stress. Stress can damage an employees' health and the business performance."

- World Health Organization

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It’s very rare to go a day without hearing the word “stress”. It’s probably the most overused word in the English language. Today, stress is a lot of things to a lot of people:

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Watch for our ad in Crain's Detroit Business July 27th - featuring the list of Largest Business Insurance Agencies in Southeast Michigan

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There are numerous safety and health hazards associated with grain handling operations.

One of these hazards is suffocation and or entrapment. Suffocation in grain bins usually occurs when a person is buried while the bin is being emptied. Flowing grain can quickly submerge a worker and cause suffocation.

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Frozen pipes can be a huge nightmare - and with the below zero temperatures we have been experiencing it is a REAL possibility.

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Seven Tips to Maximize Your HSA

Did your company switch to an Health Savings Account (HSA) this year? At the beginning it can be confusing but they are basically designed to help you save for future medical costs. Below are seven tips to help you maximize your HSA and become a better health care consumer.

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As we are all well aware, we live in a world of daily information overload. It’s more important than ever how we communicate to others especially when it comes to promoting worksite wellness programs. When it comes to wellness initiatives, we generally communicate to participants to initiate some type of action on their part. However, communicating and getting participants to take action are two different aspects. But if we effectively communicate, action will be taken.

When communicating and engaging employees regarding wellness, it can be a challenge as one’s journey to better health is unique to that person. Using different mechanisms will help to reach a broader audience.

 Below are 3 steps for creating an engaging communication strategy:

• Step 1 – Sequence the Communication

• Step 2 – Develop Tidbits to Communicate

• Step 3 – Utilize a Mix of Media

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So, you followed the advice of your Kapnick service team and obtained a Certificate of Insurance from your supplier or subcontractor naming you Additional Insured. You even asked them to redo it to add “Primary and Non-Contributory” and “Waiver of Subrogation” wording. A few of you even went so far as to get the actual endorsement (we are very proud of you)!

So what does it do for you? Possibly nothing. There has been a major change to most all Additional Insured Endorsements. Insurance companies added a requirement that your Additional Insured is only valid “if required by written contract”. No written contract, no Additional Insured.

The actual wording is something like: Who Is an Insured is amended to include as an Additional Insured any person or organization whom you are required to add as an Additional Insured on this policy under a written contract or written agreement. 

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How do you even know if your wellness program is working? Simple - when your ROI goes up.