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Credit Card Incident Response Policy Template

To address credit cardholder security, the major card brands (Visa, MasterCard, Discover, and American Express) jointly established the PCI Security Standards Council to administer the Payment Card Industry Data Security Standards (PCI DSS) that provide specific guidelines for safeguarding cardholder information.  Use the template below to handle breach, theft and fraud related to credit card transactions. Download

How to Start a Small Online Business

Starting a small online business doesn’t need to be hard. Here are 6 easy steps to start a small business. Let us help with business ideas and answer small online business questions!

Top Businesses To Start In 2022

As you contemplate the year ahead, have you been thinking about starting your own small business? When it comes to great business ideas, there’s no better time than now to take the plunge. These days, more and more people are starting their own businesses. What’s driving this increase in small business startups? E-commerce has seen incredible growth due to COVID-19.… Read More »Top Businesses To Start In 2022

Commercial General Liability Exclusions j. (5) and j. (6) Are Not the Same

Denial of Commercial General Liability Coverage (CGL) coverage for certain types of property damage claims made against contractors or other repair or service business frequently cite exclusions j. (5) and j. (6), or as Randy Maniloff1  has named these exclusions, the “double js.” Put another way, these exclusions are appropriately labeled “double js” because if an insurer is citing one… Read More »Commercial General Liability Exclusions j. (5) and j. (6) Are Not the Same

A Comprehensive Guide to Branding for Small Business

Branding is an essential component of small business marketing, but its importance can sometimes be lost in the midst of all the other priorities of running a business. Factor in branding’s long-term outlook as well as the challenges of measuring its impact in the short run, and it can be tempting to leave it to the side for the moment while you address more pressing business concerns.

Product Recall Insurance for Manufacturers, Importers, Wholesalers

Licensed attorney and insurance broker Diana Motseniat talks about the product recall insurance. We offer Product Recall coverage in multiple states of the USA. To get a quote complete this application: Learn more about Product Recall: [tvideo type=”youtube” clip_id=”5LTC5UdYQe0″]      

Creating a Safety and Wellness Culture in Your Company

Creating-a-Safety-and-Wellness-Culture-in-Your-CompanyBeyond attracting and hiring qualified job candidates and onboarding and training staff into an organization, there are many steps that employers can take to promote both safety and the continued wellness and productivity of their workforce. A process to support and engage your workforce that focuses on safety and wellness can help employees adopt a healthier lifestyle, both at home and at the workplace.

Employers have long recognized the importance of programs to retain talented and experienced employees. Increasingly, employers are also adding workplace wellness programs as a tool to help promote their employees’ overall wellness.1

According to the 2015 Travelers Business Risk Index, 60% of U.S. businesses worry about medical cost inflation. Given that the average worker can spend up to half of their waking hours on the job, employers are recognizing the role they can play in promoting the health and wellness of their employees, including helping them prevent or manage some chronic health conditions.Read More »Creating a Safety and Wellness Culture in Your Company

Video: Insurance for home based business

  • Hartford

There are two ways to provide more property and liability insurance for your in-home business. The right choice will depend on the nature of your business, its annual receipts and the amount of coverage you need.

Spotting Risks as Part Manufacturing Process

Put your supply chain to the test.

Supply_Chain_Pressure_Test Supply chains are becoming increasingly complex, with dependencies upstream, in-plant and downstream. Which links in your supply chain might be most at risk? And what can be done to help manage it? Take our four-part questionnaire to help you uncover and avert potential risks in your supply chain before they emerge. Estimated completion time: 5 minutes.[/notice]

Supply chains are increasingly complex with dependencies upstream, in plant and downstream. Have you put your supply chain to the test? Not only will this brief mobile enabled test assist you in identifying opportunities within your supply chain, but the last page of the test will also provide educational resources and insights on how you compare to your industry and region.

Controlling threats that can impact the flow of quality, compliant and competitively priced raw materials is a critical link in your supply chain. Upstream disruptions often flow downstream. One delay, shortage, or defect in the materials you rely on could affect your ability to produce goods in the quantities and time-frames consumers demand. One could even compromise the safety and quality of your products. Failure to meet orders, product recalls, liability claims, and other potential ripple effects of supply disruptions can put your company’s reputation — and bottom line — at risk.

Control Your Supply Sources

Purchasing and vendor control are critical parts of the manufacturing process. Knowing who your suppliers are and where they come from is key to managing supply chain risk – particularly if they come from outside of the United States. Companies often change vendors frequently to get the lowest prices on raw materials. But establishing longer-term relationships with your suppliers can be an advantage. A supplier who understands your business might better anticipate your needs and be more willing to work with you to control costs or resolve issues when they arise.

Choose your suppliers carefully:Read More »Spotting Risks as Part Manufacturing Process

Smoke and heat detection systems inspection, testing and maintenance

Smoke and Heat Detection Introduction

This article focuses on inspection, testing and maintenance (ITM) requirements for smoke and heat detection systems. Fire detection systems can provide early detection and notification of a fire emergency; therefore, it is essential that they are maintained appropriately.

This article also assumes that the smoke and heat detection systems are UL Listed or FM Approved systems and have been properly installed by reputable, certified, alarm system contractors. ITM programs cannot overcome poor system design or installation deficiencies.

The National Fire Protection Association (NFPA), Standard 72, National Fire Alarm Code, is the recognized standard for ITM of fire alarm equipment. For complete information on ITM of devices other than smoke and heat detectors covered within this bulletin, refer to NFPA 72, your equipment manufacturers operational/ maintenance manual or your Risk Control consultant.

This blog post is intended to familiarize building owners and/or persons responsible for fire detection systems about the necessary ITM of smoke and heat detectors. It is also intended as a guide on how to conduct ITM, ITM frequencies, and potential consequences for not having an ITM program for detection systems.

Smoke and heat detector differences
Read More »Smoke and heat detection systems inspection, testing and maintenance