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Monthly Archives: August 2014


Protecting Your Business from Hackers

With so many news circulating on the topic, it’s clear that a system hack can have a damaging effect on a business regardless of type and size. You can lose files, sensitive information, even money. If you’re a business owner, consider yourself warned: hackers are out to get you. However, there are things you can do to protect your business from hacking and its consequences.


Encrypting your sensitive files is a must. That way, even if a hacker obtains your files, they will only be able to access unintelligible encoded data.


For productivity, security, and business insurance reasons, you need to have backup copies of your files. Instead of creating backup copies on external drives though, it will be wiser to use a cloud storage service. External drives can easily get stolen, lost, or compromised, but if you backup encrypted data on a cloud, not only will your data be secure, you may also access it anywhere you are.

Obtain Insurance

If you are dealing with sensitive client and employee information, consider acquiring a data breach policy from health and business insurance providers that will protect you from hackers. This type of policy will be extremely beneficial if you deal with product/company information or client financial data that’s covered by a non-disclosure agreement.


Property Insurance for Small Business Owners: Deciding if You Need It

Generally, property insurance policies cover damaged or completely destroyed physical assets. It could be your building that needs remodeling after a fire, or your inventory and machines that require replacement due to flooding. IT industries and other offices that rely on computers or machines can especially benefit from technology insurance policies that would protect the tools used for business.

Some policies can also cover office furnishings like furniture and light fixtures. Additional provisions of this insurance may include coverage for the properties you lose to theft, fraud, or vandalism.

How Business Insurance in NJ Protects your Company against Liabilities

In protecting your business, insurance is the place to start. There are various types of business insurance in NJ, but sufficient coverage against the most common liabilities should be a priority. Attorney fees, court costs, settlement or judgment payments, and other expenses can easily add up to hundreds of thousands or even millions of dollars. The benefits offered by insurance companies could save your business by shouldering these costs fully or partially.

Despite Law to End Criminal Bias, NJ Business Insurance Still Matters

The “ban the box” law is a welcome development, but it shouldn’t be a reason for employers to be complacent. There’s always the temptation to return to a life of crime. When it happens after the ex-convict gets the job, the impact on the company and its clients can be significant. Background checks will still remain an integral part of the screening processe despite the law.

If such an incident does happen, a company carrying fidelity bonds from NJ business insurance providers like can mitigate its effects. Fidelity bonds cover any losses incurred by an employee’s wrongdoing. If interviews are unable to see any risk of fraud, fidelity bonds act as a company’s second line of defense.

Basics of the Business Car Insurance

If you get a consultation with any reputable small business insurance agency, one of the major coverage options you will be given is the business car insurance. Indeed, a company car needs just about as much care, attention, and regular repairs as your personal set of wheels, if not more. Here are some facts you should know about this coverage:


Depending on which agent you choose to work with, there are many car coverage options you can choose from, including ones for business-use autos, or even for specific makes like pickups, cargo trucks, vans, trailers, and more. Some agents could even get you coverage on ‘non-owned’ vehicles, which is particularly useful if your employees use their own rides for business purposes.

Employee-owned Vehicles

If your line of work involves letting your employees use their own cars for deliveries, transport, or other tasks, it’s always good to give them a sense of security by having their vehicles insured. Car accidents can happen without warning, and it can get even worse if your employee ends up getting sued, and you’ll have to bear the brunt of the legal expenses.


Insurance also helps with the cost of repairs. Imagine owning a delivery business and having more than ten trucks operating round the clock, and by the end of each week, every one of them could be in need of serious repairs or maintenance. Even if you have the resources for this, it becomes simply counterproductive to business.

Ensure Protection from Hour Claims with EPL Small Business Insurance

If an employee must work beyond hours, whether after work or a weekend, the law requires offices to pay extra for the trouble. This sounds okay for occupations with regular schedules, which is why those with irregular schedules cry unfair. Despite compensation, however, the afterhours are finally taking their toll on workers physically, mentally, and socially.

Enter H.R. 5159, also known as the Schedules that Work Act. This legislation aims to end on-call schedules by giving workers more rights to flexible work schedules. Proponents aren’t asking to change the law-mandated 40-hour work schedule. They only want to be given a heads-up every time they receive a valid reason to work after hours.

Tips for Preventing Data Loss

Data loss has to be one of the worst nightmares of any IT firm. Fortunately, it is a problem that can be avoided if you set some basic ground rules for both your employees and your clients. With that in mind, here are several common causes of data loss, along with quick and simple ways to prevent them:

Human Error

You can prevent accidental deletions and overwrites by limiting document editing access. Design your clients’ systems in such a way that it only opens “Read Only” copies of important documents. (more…)