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Online shopping has made it easier than ever to peruse the wares of various businesses and vendors from the comfort of your own home as you search for the perfect gifts this holiday season. However, conducting transactions over the internet always involves inherent risks, as cybercriminals may be lying in wait. As you check friends…

According to the U.S. Fire Administration, most home fires occur during the winter months. That’s because various heat sources and appliances in your home may be used more regularly during this time of year, and even slight malfunctions or misuses can ignite a devastating blaze. Consider the following steps to minimize your risk of winter…

Consumers have come to expect numerous options, instant shipping and fast delivery, making a smoothly operating supply chain essential. However, the nature of supply chains can lead to unexpected bottlenecks, delaying production or shipments and impacting an organization’s ability to meet customer demand. These delays can also disrupt cash flow and damage customer loyalty as…

Workplace celebrations can help create an enjoyable workplace, resulting in high morale and low turnover rates. These events can provide an excellent opportunity for employees to network and socialize with their co-workers in a fun environment. However, work-related parties and events present several safety and liability risks that business leaders need to address to ensure…

Many air travelers turn to TSA PreCheck for its quickness and ease. TSA PreCheck is a US airport screening program that allows you to get through airport security with fewer steps and without waiting in long lines. But cybercriminals take advantage of this tool to trick travelers. In this scam, you receive an email that…

Small businesses in all industries face the potential of lawsuits. These disputes can require substantial money, time and effort, and they can damage a company’s reputation, regardless of the case’s merits or outcome. Considering these ramifications, it is vital for business leaders to take steps to limit the probability of lawsuits being filed and to…

As cyberthreats evolve, businesses face an increased risk of operational disruptions from digital supply chain failures. Cyber business interruption (BI) insurance protects against financial losses from internal technology failures like data breaches or ransomware attacks. For businesses relying on third-party vendors, cyber contingent business interruption (CBI) insurance goes a step further, covering losses from disruptions…

Highlights On Oct. 17, 2024, the IRS issued Notice 2024-75 (the Notice) to expand the list of preventive care benefits permitted to be provided by a high deductible health plan (HDHP) without a deductible (or with a deductible below the minimum deductible) to include: The Notice also clarifies that the following items and services qualify…

Regardless of industry, small businesses encounter a variety of risks in their everyday operations. These exposures can lead to significant financial losses, making it crucial to secure tailored insurance policies. However, there is no one-size-fits-all solution for all organizations; risk profiles vary widely, and several factors affect insurance costs. Understanding these influences is essential for…

Age discrimination, or ageism, in the workplace involves treating an applicant or employee unfavorably because of their age. The Age Discrimination in Employment Act (ADEA) prohibits age discrimination against those aged 40 or older in all aspects of employment, including hiring, firing, pay, job assignments, promotions, layoffs, training and benefits. Some states also have laws…