INFORMATION FOR START UP COMPANIES
EMPLOYEE EMERGENCY PREPAREDNESS
Emergency Action Plan Program & Training Materials Program to establish emergency action plan procedures based on OSHA standard 29 CFR 1910.38. Includes presentation instructor's notes, employee handout and quiz, and meeting sign-in log.
Emergency Prepareness Plan Tutorial
Safety presentation useful in educating employees about their role in the Emergency Action Plan program.
ERRORS & OMISSIONS
Errors & Omissions (E&O) coverage is a critical component for all Technology accounts. The Hartford's general liability policy covers bodily injury, property damage, personal injury and advertising injury. Hartford's E&O FailSafe forms cover the insured for financial loss resulting from a "glitch" or negligence in your tech company's products or services. It also provides significant defense costs that can range from $200,000 to $300,000. Please click on link to review the FailSafe Claims Scenarios brochure and contact Meghan McGarry to secure an E&O quote.
E-SECURITY ONLINE SEMINAR
In today's electronic world, losing money due to computer downtime, or lost data is no longer just a mild inconvenience. It's a real possibility. Thanks to worms, hackers, viruses, and spam. Worst of all, these critters won't just shut down your computer, they can wipe out you entire system...and cripple your business.
Marshall & Sterling and The Hartford will help you face those online e–security risks head-on in our insightful course, E–Security: How to Protect Your Business.
Among our course highlights we'll cover:
Different the types of e–security risks you're vulnerable to everyday The extent and impact of network risks
The considerable cost associated with internet–related risks
Ten workplace practices you can use right now to strengthen your e–security.
TECHNOLOGY CLAIM SCENARIOS
Simple, daily tasks, such as storing sensitive information on your network or connecting to the internet , make your network a resource that can be exploited by criminals. Below are claim scenarios that depict how your business can be protected:
WEB BASED PORTAL DESIGNED FOR START UP COMPANIES
Marshall & Sterling provides our clients with the tools every start up business needs:
Customized employee manualsReady-to-print newsletters
Downloadable articles, brochures, forms, and reports
OSHA Reports & Analysis
Collaboration center allows users to manage team projects
Access to a vast and knowledgeable network of colleagues from across the country.
Community topics include Compensation, Employee Relations, HR Development...
Management Topics, Recruitment, Risk Management…
Human Resource assistance to enhance the overall insurance program.
Benchmark Surveys & Statistics, Compliance & Plan Designs
Legislative Guides -Complete guides include COBRA, HIPAA, FMLA...
FOREIGN EXPOSURE IDENTIFICATION CHECKLIST
In today's economy, international markets offer great potential for U.S. companies; however, they also present additional risks and exposures. Exposures or losses that are typically covered by insurance in the U.S. may be excluded when incorporating the international arena into your business plan. To determine if you have international exposures that may require additional coverage, click on Foreign Expore Checklist, review and check the appropriate box.
CNA NETPROTECT ESSENTIAL
New! CNA Net Protect Essential provides critical cyber liability coverage for any business that uses computers to manage information. It provides third-party claims related to privacy injury, identity theft or network damage.
Think about this:
Do you store data? Use email? Generate revenue online? Use a network to control production, manufacturing, inventory or a supply chain? If so, you may be at risk !
Targeted to small-mid sized companies, NetProtect Essential covers all network resident information enterprise-wide, not just Web sites. It responds if there is a security breach resulting in identity theft or disclosure of private information; damage resulting from viruses, inability to access a network or rely on information. It also covers unauthorized acquisition of trade secrets and proprietary or confidential information from the insured’s network.
NetProtect Essential is admitted coverage that applies worldwide and is currently approved in 40 states with the remainder soon to follow. Available with limits up to $2 million, it is designed for U.S.-domiciled businesses that typically generate gross revenues of less than $100 million in various industries, including financial services, healthcare and life sciences, retail, manufacturing, construction, hospitality, telecommunication and technology. Minimum premium for the NetProtect Essential coverage is $500. It features a simple application, fast response and affordable pricing that makes the coverage accessible to those who need it most. In comparison, the flagship NetProtectSM product is suitable for larger companies in that it provides very sophisticated and flexible coverage for a broad range of first-party and liability exposures.
EMPLOYER RECORDKEEPING & RETENTION REQUIREMENTS
The attached table summarizes numerous employer recordkeeping and retention requirements, indicating the longest retention period established by FEDERAL law.
It is recommended that personnel records be retained for the longest time limit for bringing an action against an employer over an employment decision (i.e., your specific state law should also be referenced in this regard). Further, in the event that a claim is brought against an employer, all pertinent records must be retained until final disposition of the matter. Retention of supplemental records that document personnel decisions and actions may also be helpful. In addition, documents used to prepare reports required under ERISA must be retained for at least six (6) years from the date of filing, though rounding up to eight (8) years would best accommodate late or extended filings.
USING MATERIALS FROM THE INTERNET
Much of what is posted on the Internet is protected by federal copyright law, despite the fact that it is available free of charge and/or does not contain a © copyright symbol or notice. A good rule of thumb is to always attribute your sources and obtain permission from the copyright owner before posting an article or provide a link from your Web site to the article.
Frequently Asked Questions
What material is subject to copyright laws?
When is Permission required?
How do I obtain Permission?
Why is there a hyperlink entitled “Terms of Use” on a webpage?
What is the difference between Linking and Deep Linking?
May I modify content?
What is fair use?
LOSS SCENARIOS: ARE YOU COVERED?
The cost of litigation has risen dramatically in recent years. Information and network technology companies need solutions that have evolved with their industry and the new exposures presented. Are you covered?
EMPLOYMENT LAWS THAT APPLY TO YOUR BUSINESS:
Just because your business is small, it is not safe from employment practices lawsuits. Although the very smallest employers may be exempt from certain federal employment laws, they may still be vulnerable to an employment action. Former and current employees can allege anything at any time and are not limited to filing a claim under a federal law. In fact, many states have expanded employment laws, putting employers at further risk. Attached are some general guidelines to the employment laws and how they may affect your business. Of course, laws differ from state to state, so it's best to get local legal advice on how employment practices laws apply to you
DISCLAIMER
The information contained in this web site is for information purposes only and is not intended to be an insurance policy or contract of insurance. For complete coverage details and exclusions, please refer to the policy itself as each insurance company's coverages may be different.
Marshall and Sterling, Inc. &/or web designer assumes no responsibility or liability for errors or omissions in the material on this web site. Coverage may not be bound on this site.