It is vitally important that any incident that a reasonable person thinks might result in a claim should be reported to your insurer. There are notice requirements buried in all liability and crime policies; let's not give insurers an excuse to decline claims!
Cyber Security Scares Me
We are very concerned with network security here at The Solutions Group, particularly after we were hit with a ransomware virus that locked down our server for three very scary days. As a result of our concern we hired a cyber security company, KnowBe4, to assess our vulnerabilities. As part of that process we ran a ‘phishing test’ which sent fake spam e-mails to all of our employees. These ranged in sophistication from ‘Prince of Cameroon with $14,000,000 US Dollars’ to ‘Your bank statement is attached’. My anticipation was that no one would click on these e-mails. The result?
33% of my employees opened the attachment or clicked on a web link. Absolutely horrifying.
We will now put cyber security training in place for everyone, with special intervention for those that clicked on a phishing test e-mail. For those interested in conducting similar tests, my contact is as follows:
Regional Account Manager
33 N. Garden Ave., Suite 1200
Clearwater, FL 33755
Toll-free: 855-566-9234 Ext: 816
Next week: There are insurance policies that cover this. Introducing cyber liability coverage
Is an employee covered with workers compensation when she travels to a different state? It depends!
- If the duration of travel is temporary (a week or two at most) then coverage almost certainly extends to that employee, as long as they are NOT traveling to Ohio, North Dakota, Washington, or Wyoming (more on these states below).
- If the destination state is scheduled on the home state workers compensation policy, coverage applies in that state.
For example, if your employee works in Maryland and serves a client in Maryland, and goes on vacation with the client to North Carolina for two weeks, there is workers compensation coverage in North Carolina through the home state policy because the duration of the work is temporary.
However, if the client moves to North Carolina for half the year, and the caregiver goes with, we fail the duration test and North Carolina would need to be scheduled on the home state workers compensation policy. If the home state workers compensation policy will not schedule North Carolina (say because they are not admitted to write business in NC) then a separate policy must be taken.
What about the four states listed above, Ohio, North Dakota, Washington and Wyoming? These are the monopolistic states, which use the old Soviet model for workers comp – you must buy it from the State. If your employees are travelling to any of these states, you must contact the workers compensation bureau in the respective state to make arrangements.
Interested in learning more about workers compensation? Go to our web site:We are the no-hassle, no-pressure home for all things related to home care insurance. We make it easy to get quotes and our no-pressure guarantee leaves everyone with a pleasant experience. Please consider allowing us to provide a quote at your next renewal, or when you first need insurance. Fill out an application at www.HomeHealthApplication.net.