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Many organizations incorrectly label cyber insurance as a luxury purchase rather than a necessity. In fact, a recent survey conducted by insurance experts found that nearly 60% of small and midsized companies don’t have any type of cyber insurance. What’s worse, less than 30% of those companies feel inclined to purchase a such a policy…

The insurance marketplace is a funny place; pricing and availability can appear and disappear seemingly at random, and predicting changes is more an art form than a science. Some years, insurance buyers benefit from falling costs and expanded coverage. Other times, when markets harden, business owners must make tough choices regarding their insurance and loss…

In addition to fighting the health effects of the COVID-19 pandemic, public health experts are also fighting the effects of what they refer to as an info-demic. Defined as an outbreak of misinformation, doctors across the country are saying that this infodemic is making it harder to treat patients. Moreover, this misinformation can lead to…

On June 18, 2020, the Occupational Safety and Health Administration (OSHA) released guidance to help employers plan how to reopen nonessential businesses. The guidance also addresses issues employers should consider as they ask their employees return to work during the COVID-19 pandemic. OSHA’s guidelines for reopening nonessential businesses provide general principles for updating restrictions that…

Financial stress is a significant, ever-present burden for many Americans. Money gets tight for everyone once in a while—especially amid crises like the coronavirus pandemic—but for some, it never goes away. In fact, according to an economic report from the Federal Reserve, nearly 4 in 10 American adults wouldn’t be able to come up with…

The Small Business Administration (SBA) recently released two additional final interim rules to provide further guidance for Paycheck Protection Program (PPP) loan borrowers and lenders. Specifically, the two rules provide guidance for loan review procedures, loan forgiveness, and borrower and lender responsibilities. This article provides a general overview of the two final interim rules. For…

According to the Cybersecurity and Infrastructure Security Agency (CISA), malicious cyber actors are taking advantage of public concern surrounding COVID-19 by conducting phishing attacks and disinformation campaigns. CISA is encouraging individuals to guard against COVID-19-related phishing attacks and disinformation campaigns by taking the following precautions: Avoid clicking on links in unsolicited emails, and be wary…

May will be an important month in our continuing battle with COVID-19. Effective May 4th, Missouri Governor Parson updated our state order and we will begin a phased approach to reopening our state. The City of Springfield and Greene County also issued new orders effective May 4th. Here’s what to expect on May 4th and…

A concise, accessible, easy to understand resource to help answer financial questions related to the COVID-19 pandemic. Latest Developments HR Consulting Newsletter - March 27, 2020 Understanding the $2 Trillion Stimulus Package SBA Paycheck Protection Program Guide Insurance Financing & Savings Opportunities State of Missouri Guidance on Insurance - On March 18, 2020, Governor Parson…

One of the challenges of implementing reliable cyber security is that the finish line keeps being moved. As security measures continue to improve, so do the methods and tools of cyber criminals. There is a range of possible threats to be aware of when it comes to keeping your organization cyber secure. Here are five…