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Best In-Class Business Insurance for Technology Firms & IT Consultants
Suppose you design a database that has a glitch that keeps everyone at your client’s company from accessing crucial business data for three days. The client sues you, the IT consultant, claiming they lost $500,000 in sales during the time the database could not be accessed.
Or to put a timelier spin on things, consider if something you did allows a hacker to access to a client’s sensitive data or introduce a virus into the computer system. You might be sued.
As an IT consultant, you need insurance more than other businesses for a variety of reasons. The tricky part is that these types of jobs are relatively new compared to those in other industries, and the laws are not fully defined. No standard yet exists on what is and isn’t acceptable in the industry. This will be the case until there are more legal precedents.
These are just some of the tech lawsuit risks every IT consultant should be aware of.
Dissatisfied clients could bring a claim against you, whether or not you have actually done something wrong. A client could bring a claim if he simply isn’t satisfied with the quality of your work, whether or not his claim is valid.
He may have expected you to deliver something you didn’t—even if his expectation was unreasonable—and as far as you understand, you delivered just what you promised. Or he may have simply expected something to function differently.
Even if the client is unreasonable, he could sue.
A dishonest client who has a big legal department could sue you just to avoid paying money he legitimately owes you. Can you imagine explaining your work to a judge who doesn’t understand the technical ins and outs of the work you’ve performed for the client?
Many clients won’t even hire you without you having proof of errors and omissions (E&O) insurance. This type of insurance is important because it protects all parties involved in the event that you or your employees make a mistake that might cause serious financial or operational harm to the client. Many companies will just move on to a different consultant if you don’t meet this requirement.
Your own personal assets could be at risk without coverage as well. Without insurance, if there is a judgment against you, your home, savings, and other possessions could be seized by a court. Even though the insurance may not be mandated by law, having it is vital.
You need protection. Suppose you lose a court case brought against you—do you have $1 million to spare if you lose? Could you even afford to write a client a check for $50,000 if he sues you and wins?
This insurance is like a doctor’s malpractice insurance, only for contractors. As long as an act was not deliberate, you would be covered for a variety of things you or an employee might do, including documentation errors, misrepresenting products or services, theft by an employee, exposing propitiatory information, defamation, slander, and other items.
It protects you for so many more things than just general liability insurance, which you also need. That coverage protects you if someone slips and falls in your office, or if you or an employee spills coffee on an important document.
With E&O insurance, you would be covered for legal fees to hire a lawyer to defend your company and for any judgments, fees, or settlements you are found liable for.
As for the cost, it might depend on which company you hire, but it could cost $1,000 to $5,000 annually for a web designer and $2,500 to $4,500 for a small consulting company, with a $5,000 deductible—with coverage of $1 million.
When you weigh one cost versus the risk of the other, it’s clear to see why this coverage is vital.
The increase in reports of cyber threats over the past year has illuminated the Internet’s inherent dangers, thus raising concerns as to how to business owners can protect their companies from computer viruses and other looming security threats.
Although many companies are (rightfully) investing in high-quality anti-malware and anti-spyware software, the potential still exists to fall prey to cybercrime.
Cybercrime is a booming business and criminals’ tools continue to evolve in both sophistication and potential damage. Acquiring—usually by theft—and selling sensitive information is highly lucrative. Such information includes:
Additionally, cyber criminals often attempt to inject malicious software such as viruses, worms, and other malware to send spam, display advertising, or commit other nefarious and illegal activities.
According to Symantec, over three billion malware attacks occurred in 2010. This number has continued to climb, thus resulting in the development of more sophisticated software to protect sensitive personal and business data.
Even more recently, PWC reported that cybercrime rose from fourth to second place among types of economic crime. In a 2016 survey, over 25 percent of respondents reported having been affected by cybercrime, while 18 percent said they didn’t know if they had. Further, several respondents reported losses of over $5 million, with almost one-third of respondents reporting cybercrime losses of over $100 million.
So how can a company protect itself from computer viruses and other cyber threats? It’s important to first understand what those threats look like.
Malware combines the words “malicious” and “software,” and it is an umbrella term for most types of computer threats installed on one’s computer without his/her consent or knowledge. Malware includes:
A computer can become infected with malware through:
All individuals and companies should worry because any computer can be the victim of malware. Knowledge and prevention are key.
For more information about how you can protect your company from cybercrime, including cyber liability insurance, please contact us.
Clean teeth and healthy gums not only contribute to a nice smile, but they’re also a sign of good health. Brushing and flossing are known to reduce plaque and tartar and prevent cavities, gingivitis, bone loss, and bad breath.
However, gum disease is also linked to heart disease, diabetes, and low birth weight babies. In fact, regular visits to the dentist and hygienist can reduce one’s risk for heart disease and stroke, as well as diabetes-related tooth loss.
You might be wondering at this point: What does this have to do with my small business?
It is important for businesses to understand the link between dental hygiene and health, and to examine the benefits of offering group dental insurance for their employees.
Failing to brush and floss leaves bacteria free to accumulate between the teeth, and this increases their chances of entering the bloodstream. According to the New England Journal of Medicine, as many as 80 percent of American adults have some periodontal disease, with severe periodontal disease affecting around one percent of Americans. These bacteria can affect endothelial cells inside the blood vessels, causing narrowing of the arteries.
People can contribute to their overall heart health by visiting the dentist and hygienist at least twice per year, as well as brushing and flossing after every meal, when possible. Reducing consumption of high-carbohydrate and sugary foods is also recommended.
Much evidence exists demonstrating a direct link between gum disease and diabetes, with each one influencing the other. In fact, the research suggests that inflammatory periodontal disease can increase insulin in similar ways to how obesity increases insulin. Further, diabetes has been shown to attack bone surrounding the teeth.
Not unlike other illnesses, dental disease and/or pain is responsible for many employee absences and/or substandard work performance. Not only does this result in reduced income for the employee, but also in reduced business revenues. Thus, not only does a high-quality dental insurance plan help recruit and retain high-quality employees, dental insurance is increasingly being cited as among the most sought after benefits.
Thanks to increasingly sophisticated dental tools to improve oral health—such as fluoride, preventive care, and sealants, for example—overall oral health among Americans has, in fact, improved. In fact, the cost of dental care has risen considerably less than the cost of regular health care over the past several decades.
Primarily, whereas dental care and treatments are predictable, low-risk, low-cost, and usually non-catastrophic, medical needs are usually just the opposite. Thus, dental benefits plans can be easily self-funded with rare cost extremes.
According to the National Federation of Independent Business (NFIB), there are three fundamental reasons supporting employers offering a dental insurance and benefit plan for their employees, and these reasons are easily applicable for businesses of any size.
Most dental insurance plans provide preventive, basic, and some major coverage. These include:
Some plans also cover orthodontics for employees or, more commonly, their children.
As mentioned, dental insurance is consistently listed as among the most sought after benefits. Offering dental insurance can help small employers compete better with larger companies’ benefits packages.
As previously mentioned, dental problems are generally low-risk, but left untreated, dental problems can become significant problems leading to employee absences and lower performance. The relatively minor cost of employer-sponsored dental insurance pales in comparison to the potential loss of revenue and productivity that can occur with employees suffering from dental malaise.
For more information about obtaining group dental insurance benefits for your employees, please contact us.
With the impending inauguration, recent actions by the Senate and some confusing media reports, we wanted to provide a short Q&A to help you understand current events and what to expect as we head down the health care reform road in 2017.
The Senate took action to begin the budget reconciliation process and recent comments from Republican Party leaders appear to favor a “Repeal and Replace” strategy.
The Senate (51-48) and House (227-198) both approved a concurrent resolution that directs House and Senate committees to begin working on legislation that will, among other things, repeal pieces of the ACA. This action effectively “kicks off” the budget reconciliation process which allows for the repeal of budget related portions of the ACA with a simple majority (51 votes) in the Senate. Democrats were unsuccessful in trying to amend the resolution protecting certain features of the ACA from repeal or change.
Comments from President-elect Trump and Congressional leaders appear to favor a concurrent “Repeal and Replace” strategy, versus “Repeal and Delay.” Recently House Speaker Ryan remarked that Congressional Republicans and the incoming Trump administration are “in complete sync” and that moving forward with health care reform will be done “concurrently, at the same time repeal and replace”. It is widely expected that Congressional Democrats will not cooperate with or agree to repeal of the ACA without at least a replacement for the ACA.
Unlikely. Congress is expected to make changes to the ACA through reconciliation. Reconciliation allows for expedited consideration of certain tax, spending, and debt limit legislation. Such action may affect provisions in the ACA related to the tax code, such as the taxes, subsidies, and individual and employer mandates penalties. It does not allow a complete repeal of the entire ACA.
Repeal of provisions such as mandated benefits (e.g., prohibitions against preexisting condition exclusions) would require 60 votes in the Senate and there are 52 Republicans in the Senate. The Exchanges couldn’t be dismantled immediately from a practical perspective.
Remember that non-ACA related laws such as HIPAA, ERISA, and the new wellness rules would all still stand.
The appropriate committees will begin drafting legislation, like any other bill in Congress. Once approved by committees, the bill must be passed by the House.
Once through the House, the bill will then be sent to the Senate where it could be amended. If the bill is amended, then it goes through a conference committee to resolve differences between the House and Senate versions. Another round of votes will be needed in both chambers to approve of any amended legislation before it can be sent to the President for his signature.
The bottom line, there is no set timeline and historically; this is not a “quick” process.
Something major. Many provisions of the ACA are expected to be repealed. There could be non-enforcement of others. While a replacement is anticipated, Congress and the Trump administration have not yet articulated a clear plan. Proposals include limitation of employer tax deductions and employee tax exclusions on health coverage, tax credits for purchasing coverage, and expansion of HSAs/HDHPs. It is expected that Congressional Republicans will be meeting shortly after the inauguration with the new administration to hash out the strategy. Hopefully, some details will be provided following that meeting.
Doubtful. Dismantling the ACA and implementing a new reform package will likely be even more challenging than the original ACA implementation. Deciphering what stays, what goes, the timing of the changes, along with any new requirements will be difficult for all stakeholders in the health care system. We will keep you posted as we go through this process.
If you would like more information or have questions or concerns, please contact Gauri Gupta at gauri@insureyourcompany.com or (732) 832-7997 x2008.
Information courtesy of Emerson Reid. This document is designed to highlight various employee benefit matters of general interest to our readers. It is not intended to interpret laws or regulations, or to address specific client situations. You should not act or rely on any information contained herein without seeking the advice of an attorney or tax professional.
Looking forward into 2017, employer-sponsored health insurance remains the foundation of America’s health insurance system.
Experts are predicting a major shift, however, as the market has been shifting from employer-sponsored health insurance as a defined employee benefit to individual insurance for employees with an employer-sponsored contribution to the premium.
The general well-being of the health insurance industry counts on the continuation of the employer-sponsored health insurance sector.
Since the Affordable Care Act (ACA) came into effect, individual health insurance plans offered on the individual state exchanges have been comparable or priced lower than similar employer-sponsored plans. An analysis of employer-sponsored premiums of 156 million people in 2014 found that the median individual annual premium exchange premium was $5,844, while the median employer premium for a single worker was $6,119 a year.
Many employers are now opting out of corporate-sponsored private plans and offering some subsidies for employees who enroll on the ACA exchanges. The truth is, group insurance premiums have never been less expensive than individual coverage.
Before the ACA, group insurance offered a guarantee of issue and no applicant could be turned down because of prior medical conditions. Individual insurance offered no such guarantee. That guarantee made group insurance riskier for the insurance company and thus, more expensive per policy.
But this is no longer the case, as the ACA has made the guarantee universal.
One advantage of group insurance that offsets the group versus individual insurance difference is that larger employers contribute to the plan premiums. The government does provide some assistance to individuals buying insurance on the exchange, but that assistance comes from tax revenue.
The advantage of group insurance comes from the fact that the individual network is including fewer and fewer plans, with so many companies opting out of the exchanges.
For example, New Jersey uses the public ACA exchanges for people to enroll in healthcare plans. Five health insurance carriers offered plans for New Jersey applicants in 2016. Three of those carriers—United Healthcare, Oscar Insurance, and Aetna—are leaving the New Jersey exchange this new year. That means there will only be two insurance companies—AmeriHealth and Horizon BCBS—to choose from in 2017.
Over the last couple of years, health care has consumed more of corporate managers’ time and energy than anything else. Many employers are beginning to drop the hassle of employer-sponsored health coverage and default to the ACA exchanges or to private exchanges to reduce the administrative load.
New Jersey is one of the states that permits private, non-ACA health care exchanges. These exchanges are private companies which have collected health insurance offerings. They initially appeared in the 1980s, predating the public ACA exchanges. They facilitate insurance plans for employees of small to medium-sized businesses, removing the responsibility for management and supervision inherent in group health insurance.
Private exchanges let employees shop for plans on an online portal. The number of employees using private exchanges has been increasing by as much as 50 percent year over year.
Private healthcare exchanges use computer network system to integrate claims management, eligibility verification, and inter-carrier payments. They have becoming popular as a way for small and medium-sized businesses to pool their purchasing power to compete with larger corporations.
The catch is that private exchanges may shift more of the financial burdens of health care on workers while they save employers some money. Employers can set aside an amount of money that workers can use to pick an insurance option. While this could be good for relatively healthy employees who choose cheaper plans, it may leave many workers with more health issues to cover more of the costs out-of-pocket.
2017 is finally here, signaling the time to begin looking at New Year’s resolutions—not only for individuals, but also for small business owners.
Even if 2016 was a profitable and positive year for your business, there are always improvements to be made. The time is right to examine such possibilities for even greater improvement and success.
So what is the best advice for setting realistic goals for one’s small business? First, let’s look at what goes into setting goals in the first place.
Simply put, goals are things one aims for. But there’s more to it than that. Goals are considerably more powerful in ensuring that one achieves success in whatever endeavor he or she undertakes. They’re a carrot at the end of a stick, something to be pursued with vigor.
For small business owners, goals enable us to set a framework in order to direct focus in the most productive direction, to establish a workable timeline, and to achieve our ultimate aspirations.
Experts assert that all goals should contain certain key aspects. These include:
Defining business goals is a priority, especially at the outset. According to Bento, SMART business goals are the way to go in 2017 because of their greater effectiveness over more conventional goal setting.
SMART goals are:
There are several goals which are both common and desired among many small businesses. Here are a few ideas of goals that you can aim for this year for your business.
The inability to do so jeopardizes a company’s life force. Suggestions for achieving this include:
With the increase in potential customers and clients relying increasingly on Google and Yelp for local business information, it is critical for small business owners to ensure that potential customers can find them. Tools to increase this presence include developing and regularly updating a website, considering a blog, and investing in online marketing.
Similar to improving one’s online presence, improving your social media presence is also crucial. From Facebook to Google My Business to Twitter to Instagram, there are numerous options available. According to Statista, nearly 80 percent of the U.S. population frequents some type of social media platform, with many frequenting multiple ones.
Among the most cited reasons for small business revenue struggles is poor expense management skills. Ways to improve these shortcomings include:
Regardless of the business’ size, leadership is a key skill. Improving interpersonal and listening skills, updating employee handbooks, re-examining hiring and recruitment practices, ensuring employee morale and productivity, and learning how to make better decisions are all necessary and important goals.
According to Small Business Trends, here are five quick and easy tips for ensuring that your New Year’s goals are met.
For more information on setting and achieving your small business goals for the New Year, including making sure that your company is properly covered with the right insurance, please contact us.
Revenue growth is the number one goal for most small businesses. Unfortunately, small business owners often struggle to come up with a strategic plan to facilitate growth. Between the challenge of wearing multiple hats and uncertainty about the best ways to attract new prospects, a small business can easily stagnate.
A comprehensive plan to prevent stagnation requires small business owners to ramp up their marketing efforts, reward new and existing customers, and take on new products and clients. These can all help you grow your small business revenue this year.
Trade shows provide excellent opportunities to showcase your products and generate business. Trade shows and exhibits often attract thousands of attendees, many of whom are seeking a trusted source for the products and services that you offer.
Delving into the international marketplace is not without its challenges. However, expanding into emerging markets is one of the best ways to grow your revenue. You can make the transition easier by starting with Canada and countries in the Caribbean that have fewer restrictions on importations from the U.S.
Customers who need multiple items should be incentivized to place a bulk order with your company. Your receipt of larger orders will help grow your revenue and build customer loyalty.
By enhancing the content on your website, you will improve your company’s search engine ranking. A better search engine ranking, in turn, will bolster your leads and conversions. The result is an increase in your revenue.
By adding a new collection of items to your existing product line, you will capture the attention of new customers and potentially increase the size of your average order. A good way to ease into product expansion is to start by adding a collection of items that is related to your current inventory.
If you are carrying excess inventory of a particular item, be sure to feature that product as a part of your next sale or promotion. In addition to giving your revenue a boost, you will make room for new inventory.
Your website should be easy to navigate and mobile friendly. Additionally, the pages of your website should load quickly to help prevent prospects from becoming impatient and leaving your site to visit a competitor. Finally, you should make sure that your website includes at least one way to contact you.
Small businesses can often save money by outsourcing non-core responsibilities such as payroll, accounting, and IT needs. More important, outsourcing allows you to focus more attention on increasing your leads and sales, which drive revenue growth for your company.
When a new customer is teetering back and forth about purchasing from your company, an incentive like a new customer discount or a complimentary product offering can be the deciding factor that prompts the customer to move forward with an order.
Repeat customers are the lifeline of a small business. They should be rewarded for their loyalty to your business with a special pricing structure and excellent service. When repeat customers feel appreciated, they will be more likely to place orders in the future and help grow your revenue.
Of course, the foundation of any successful small business includes knowing that you have the right coverage for your unique needs. We invite you to contact us to learn more about growing your small business revenue—and protecting it the right way. Our team of professionals is ready to help you take your small business to the next level!
Sexual harassment is a form of discrimination recognized under the federal civil rights law Title VII of the Civil Rights Act of 1964, which is applicable to all public businesses.
Since 1991, when the Congress broadened the 1964 law, demonstrable acts of sexual harassment are punished via the civil courts through civil suits where the victim sues the harasser.
This may be an uncomfortable subject for many. As a small business owner, however, you need to be informed about not only the legal side of things, but how sexual harassment and allegations thereof can affect your employees and your overall business.
The range of sexual harassment behavior is broad. A 2014 International Women’s Media Foundations survey of 683 employees found that nearly half answered “yes” to the question “Have you experienced sexual harassment in relation to your work?”
Although many of the sexual harassment complaints were probably not actionable, 45 percent of the harassment was physical groping or touching “sensitive” areas and 15 percent involved verbal threats of a sexual nature.
Some sexually harassing conduct does violate criminal law as well. For instance, it is a criminal offense to physically assault a co-worker. Sexual harassment can often lead to physical sexual assault, which may result in a criminal charge against the assailant and a civil sexual harassment lawsuit against the assailant’s employer for not preventing the civil rights violation in the workplace.
Criminal assault and battery charges may result from “offensive physical contact or threat of such physical contact.” This may be punished under state assault and battery laws and result in a lawsuit as well.
Sexual harassment may also result in the harasser’s efforts to restrain the victim. This restraint of action may result in criminal false imprisonment or unlawful restraint law. Bullying, stalking, or imposition of offensive pornographic images (including child pornography) may be punished under criminal law. Both the assailant and the employer may be charged.
On-the-job sexual harassment is not a recent problem, although the right of victims to legal compensation is. The first Title VII sexual harassment suit was decided in the District of Columbia in 1976. Current civil actions include pain and suffering allowances as well as back pay, lost wages, and job reinstatement to victims. Now sexual harassment suits are heard in jury trials where chances of findings for the plaintiff are higher.
The number of sexual harassment claims rose quickly. In 1991, there were 6,883 claims in the US. In 1997, there were 15,889 claims. In 2014, the number of claims levelled off to 10,364. According to the Equal Opportunity Commission, about 20 percent of those claims were judged in favor of the plaintiff and paid out almost $50 million.
In many cases, the employer is at least partially responsible for sexual harassment, especially if the harasser is working in accordance with the authority he or she is granted by the company, and if the company has made no attempt to correct conditions leading to the harassment.
The cost of sexual harassment to American business is high. In 1988, Working Woman Magazine compiled statistics indicating that a typical Fortune 500 company can expect to lose $6.7 million annually in sexual harassment civil suits. Losses can result from absenteeism associated with the harassment, loss of reputation, lower productivity and staff morale, a jump in health care costs, and employee turnover.
Prevention is the best defense against sexual harassment litigation. The most obvious protection for a company is to put a sexual harassment policy in place. In order to do so and have it be effective, here are a few important things to keep in mind:
Almost any company can and should create a sexual harassment policy to protect their employees. Most insurers require inquiries about past sexual harassment cases and the nature of the human resources department in the company. The sexual harassment coverage may be part of an employment practices liability insurance policy that also covers invasion of privacy, libel, slander, wrongful dismissal, and other forms of discrimination suits.
Managing money can seem tedious for some business owners, but keeping track of your small business finances is crucial for maximizing profits and getting every possible tax benefit.
Keeping track of all expenses and receipts gives you a big advantage when adding up costs and deductions, plus it keeps your business running more efficiently.
Here are some tips you can use in 2017 to keep your small business finances in order and on the path toward growth and improvement.
If you try to use the same checking account for business and personal transactions, things can become very complicated, which can lead to costly errors. This tends to take a toll on your profit margin, and it can also get you into hot water with the IRS.
Not only should you have a separate checking account for your business finances, but it’s also helpful to have a separate credit card for business purchases. Using separate credit cards for business and personal purchases makes it easier to track your finances and it also helps organize receipts and expense records for tax filing.
Make sure you set aside at least one time slot every week—even if it’s only 15 minutes—to manage and organize your financial records. Even though there are many other things that may seem more important at the time, make this activity the first priority on your schedule for that day.
Every week, you should gather records of purchases such as receipts, cancelled checks, and bills. For a company vehicle, you can keep a log that tracks trips and gas expenditures. Enter all purchases and expenditures into your accounting software. This doesn’t take long and it will keep your stress level down throughout the year and especially during tax time.
Labor should be a primary focus for controlling costs, as it tends to be the greatest expenditure of most small businesses. Make sure you not only track wages, but also factor in benefits, overtime, and other labor costs.
By being aware of these numbers, you may realize that your labor costs are too high for your budget, or the opposite may be true; you may have extra cash flow to offer perks to your employees, which will better incentivize them.
It may seem like an obvious part of doing business, but many small businesses fail to keep thorough records of their customer accounts. Without an organized system that tracks invoices and payments, it may be months before you realize you have overdue payments.
Also, letting accounts slide too long may result in no payment at all in some cases. A good record system will track due dates, how long customers take to pay, and which customers have been difficult in the past.
Some small business accounting applications provide a “chart of accounts” that highlights business expenses that are deductible. Such allowable business expenses could include using a company car, home office, meals, and travel. To be in accordance with tax laws, make sure that the primary use of these expenses is for business.
For as long as people have bought and sold goods, business owners have employed accountants to help manage their cash flow. Their expertise with business finances and tax laws will help increase your profits and prevent problems with the IRS.
It may seem cheaper to do your own accounting and tax preparation, but for most businesses, this usually ends up costing more in the end. Accountants can find more tax deductions and keep you from suffering penalties.
Another important factor in keeping track of your business finances is to regularly check that you’re getting the best prices for your business insurance. To get the best benefits and insurance coverage, it’s wise to seek advice from experienced professionals.
Contact us to find out how our team of insurance experts can enhance your business and save you money.
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If you are in the IT industry InsureYourCompany.com is the insurance agent you want to work with, we are technology insurance experts and have changed the way you do business. See below a list of professionals who we help today.
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