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Nearly every state requires employers to carry worker’s compensation insurance. Failure to carry the appropriate insurance can result in fines and expose the business to claims from an injured employee.
Worker’s comp insurance exists because workplace injuries happen. In most cases, workers’ compensation is the “exclusive remedy” available to an injured worker. If an employee is injured, payment for their care, treatment a percentage of lost wages is guaranteed. In exchange, the employee gives up the right to sue their employer for negligence. This system ensures prompt payment of medical bills and lost salary without delays or legal proceedings. Employees can return to work more quickly and employers can operate without the threat of lawsuits.
Worker’s compensation laws have been in place in various US states since the late 1800s. But the original idea seems to have come from German Chancellor Otto von Bismarck. According to the US Social Security office, von Bismarck is also responsible for the building blocks of social care for the elderly, which we now recognize as Medicare and Social Security income.
In the US, no federal law requires that employers maintain worker’s comp insurance, but most states require it. Pricing is usually based on the location of the employee, their occupation, and the company’s claim history. As you might expect, rates for office workers is lower than for roofers.
Traditionally, our nation’s most dangerous jobs include:
Generally, worker’s comp is more expensive for businesses in these sectors. Still, a workplace injury can occur at any job! Hospital staff can slip and fall over extension cords, biology teachers can accidentally slice open their hands, even a banker could step on a freshly waxed floor and find themselves calling in a worker’s compensation claim. Accidents do happen!
If you have employees, you are usually required to carry workers’ compensation insurance. There are a few exceptions, such as for single-member LLCs or in the few locations where it is not mandatory. However, even if not required by law, workers’ compensation insurance might be required by a contract you have with a client.
Most employees who experience a workplace injury will receive medical care and, in some cases, ongoing payments to compensate for long-term disabilities. Injuries can be acute, like a slip and fall injury, or can occur over time, as is the case with a repetitive stress injury like carpal tunnel syndrome.
Generally, injuries that happen on the commute to or from work are not covered. But if an employee is on company time when the accident occurs the injury is typically covered.
There are a few gray areas, such as when an employee is on a break or running a personal errand in connection with their work duties. You’ll want to speak with an experienced insurance agent for more information on when coverage applies.
An employer can comply with state regulations to provide workers’ comp coverage in two ways. Most organizations choose to purchase WCI through a private insurance company. Large organizations and government employers sometimes prefer to self-insure. In that case, they would keep significant funds on hand to pay for employee medical care and wages after a workplace injury.
It is important to understand who is and is not covered by your worker’s compensation insurance. Often, certain members of a company, such as an owner, are excluded. Contact your broker for an overview of how workers’ compensation insurance works and how you can protect yourself, your employees, and your business.
Here at InsureYourCompany.com, we’re proud to offer WCI for New Jersey businesses of many types and sizes. We work with various carriers and can help you with all your business insurance needs like group health insurance, general liability, professional liability insurance, employee benefits, umbrella insurance, and more. Contact us to learn more about worker’s compensation insurance today.
When you buy homeowner’s insurance, your biggest question should always be “what does it cover?” After all, nobody needs their insurance until they REALLY need their insurance. At that point, there’s no time to make necessary changes. You’re not even allowed because a claim already happened! You can only adapt for the future. So, taking the time now, with a licensed insurance agent, to figure out what you need and under which circumstances coverage will apply can save you a lot of confusion and suffering.
Before we dive into claims scenarios, let’s talk about the major parts of the homeowner’s policy.
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Dwelling coverage provides coverage up to a certain amount to replace as much as the entire home if a catastrophe occurs. The coverage amount should be based on what it would take to rebuild the entire structure from the ground up using materials of the same like, kind, or quality. Therefore, over-insuring your home will not result in better material or bigger square footage, just a higher annual premium. However, under-insuring your home could leave you short in the event of a large loss. Dwelling coverage also includes detached structures, such as sheds. This coverage is almost always set at 10% (but can be increased) of what the house itself is insured for.
Home is where the heart is, but when you’ve seen some or all your worldly possessions stolen or destroyed, you just want everything to go back to the way it was. Consider all your appliances, clothes, furniture, electronics, jewelry, etc. It adds up! Personal property coverage is based on what you feel your possessions are worth, however in a standard homeowner’s policy that amount usually cannot be less than 70-75% of the dwelling coverage. A good rule to remember is to keep all receipts for the items you know need to be replaced. If you don’t have receipts, dated pictures showing the items in the home can usually act as proof as well.
Loss of use coverage is either a set dollar amount or an unlimited amount for a set period of time that will provide money for housing, clothing, essentials, food, etc. if there is a claim that displaces you from your home.
Liability can protect you financially from lawsuits or other people’s medical bills if someone is hurt in your home. As a homeowner, you may be responsible for unfortunate consequences, even if they are accidents. An injured party guest hurt or a pedestrian who trips on your part of the sidewalk can result in a claim Liability coverage is a set limit for which an insurance company will pay if you are held responsible for someone else’s medical bills or if you are being sued.
Medical payments to others is a smaller limit of liability, payable for smaller medical claims, typically $1,000 – $10,000. This coverage applies to smaller injuries without regard to fault. Injuries that exceed this limit may be covered under the liability part of your policy, but typically only if you are at fault for their injury.,.
These are the five biggest elements of a homeowner’s policy where the majority of claims will fall under.
Yes, your homeowner’s insurance will provide coverage for this acquaintance’s x-rays, treatments, and other medical bills related to this incident. If it exceeds the threshold set for medical payments to others, it may still be covered under the larger liability coverage.
No, unfortunately, this is not going to be covered. The broken plate, the food cleanup, and any damage done to the kitchen will have to be handled out of pocket by you. Why? Because insurance does not provide coverage for things done intentionally and without using common sense. While your teenager might never have thought the plate would explode, they still intentionally created an unsafe condition. Insurance is for unforeseen catastrophes, not incidents such as this.
Yes, this falls under vandalism (spray paint) and malicious mischief (eggs/toilet paper). What’s the difference? Malicious mischief is, in simple, the intent to cause trouble or an inconvenience without doing lasting harm. Eggs can be power washed off and toilet paper can be taken down. However, spray paint falls under vandalism because its damage is longer lasting. It might not come off easily or completely, resulting in the house needing to be repainted. Either way, a standard homeowner’s policy will respond to this claim.
Claims happen all the time. But the more you understand your policy and your coverage, the better you can tailor your policy to fit your needs. And that’s important to us at InsureYourHome.com. We help others with their insurance whether we’re the agent or not. Why? Because we’re not looking at you as a customer we’re trying to get something from. You’re a human being with a family, a life, and responsibilities. One of our responsibilities is to make sure you have the peace of mind to take care of the more important stuff. And the best way to do that is with the assistance of a licensed insurance agent. If you want your policy reviewed and explained to you, contact us at info@insureyourcompany.com or 888-242-4675!
**this blog is for educational purposes only and coverage depends on the actual policy wording**
One of the many reasons people start their businesses is to provide a better lifestyle for their families. Most business owners are both financially and professionally risk-takers by nature. Although entrepreneurs need to spend most of their time preparing for the rewarding business meetings and elevator speeches, only a handful give equal importance to the concerned families & start to think about life insurance.
A business owner must plan for contingencies, especially when there is a family to look after. For an entrepreneur, the entire business setup is like their baby and needs protective backing of its own. This is where life insurance policies come into the mix.
Life insurance for a business owner is desirable because it is a protected asset in case of bankruptcy. So, why is life insurance important for business owners?
A life insurance policy is often the cornerstone of a business’s succession plan. When a company uses life insurance as the funding vehicle of a buy-sell agreement, the death benefits purchase a deceased partner’s share of the business from their estate.
This can help reduce conflict between all parties involved and allow the company to keep running smoothly. When used to fund a one-way buy-sell agreement, the chosen successor can also use the policy’s accumulated cash value as a source of funding to purchase the company at the owner’s retirement.
When an insurance company issues a policy, they do so because it is determined that the policy owner will incur a financial loss when the insured passes away. A business owner may incur a financial loss if a key employee dies. Insurance companies generally let business owners have an insurable interest in their employees.
This gives business owners a unique way to use business life insurance as an employee benefit. Instead of paying an “employer match” into a 401k plan, employers may open life insurance policies on their employees. The business owner receives a tax benefit for paying the insurance premium.
If your family relies on your income, they’ll need money to care for themselves after you’re gone. The death benefit can cover your salary and your other contributions to the household, like childcare. When you’re trying to decide how much life insurance you need to replace your income, think of all of your debts and expenses.
A business owner who has a life insurance policy can borrow against the accumulated cash value for various work-related purposes. Life insurance enjoys favorable tax treatment. Cash value withdrawals are treated on a first-in-first-out (FIFO) basis. Therefore, cash value withdrawals up to the total premiums paid are generally income-tax-free.
If a business owner or executive who is very important to the business dies, the company will receive the death benefit of the key person. The tax-free benefit can be used in a variety of ways. It can help make up for company sales as well as lost earnings. The life insurance death benefit can provide liquidity quickly so the business can provide ongoing financial demands.
It can help with estate planning and the management and distribution of your assets. Passing on an estate can involve numerous issues, depending on your circumstances and the amount of investment at hand. What if there are multiple heirs to an estate, but properties aren’t that easily split up? In instances like this, life insurance in an estate plan can fill the gap and equalize an estate inheritance among heirs.
Business owners need insurance for similar reasons: income replacement and to protect the future of the company. Make sure you have the right policies to cover all of the people who depend on you. If you want to make sure that your new business is protected, contact us today. We will be glad to talk to you about your options to make sure that you and your business are protected.
The success of your business comes down to your leadership skills. You are responsible for motivating the staff, setting attainable goals, and embodying the culture of the organization. However, becoming a successful leader in the business world isn’t as simple as it seems. It means possessing unique qualities that can help drive your business forward.
However, it’s never too late to start sharpening your leadership skills. Today, we take a comprehensive look at tips to becoming a successful business leader. Harnessing the skills below will ensure you safeguard your bottom line and reach your organizational goals.
Working with your staff helps you better understand them, thus making it easier to lead. Ensure you do the work they do periodically, if not always. For example, help your employees produce content or answer customer service requests.
It will also help to speak to your employees about their thoughts on the company. Have an open line of communication that allows workers to share their opinions. Let them tell you what they love (and what they don’t love) about working in your organization. Doing this will help you maintain company spirit and culture.
All great leaders have their own customized leadership style that works for them. Usually, it’s a combination of different qualities – including motivation, empathy, creativity, and so much more. However, the style you choose will come down to your personality.
A successful leader should adapt to different situations in the workplace. Using a diverse set of skills and qualities, you should find it easier to navigate different challenges. Ensure you start by understanding your leadership type to help you have a better understanding of your weaknesses and strengths.
Having a clear vision for your organization is the number one priority for all business leaders. It will help to focus on fulfilling certain objectives, thus pushing you towards success. Ask yourself why you started your business and why it is important to attain your goals.
A mission statement encompasses your organizational core values that act as guiding principles for product development and company culture. It will also help you design a positive and welcoming work environment that inspires productivity.
Start by asking yourself why everyone needs to follow you. Your employees shouldn’t follow you because you said so or because they fear you. Instead, they need to believe in your vision and mission to move the company forward.
An excellent leader inspires people to work towards a similar goal. Therefore, you have to clearly state your mission and ensure the entire team is on board. Your actions should also inspire people to fulfill company objectives.
For starters, you don’t need to enroll in business school to become a successful leader. It is about trusting yourself and figuring it out along the way. Therefore, you shouldn’t wait until you have everything figured out to implement your big idea.
We are all learning something new every day, and leadership is no different. Even the most influential leaders of this century started with doubts and insecurities about their leadership skills. However, the best way to learn is through making mistakes. It will also help to keep a positive attitude to prepare you for any downfalls.
An excellent leader does everything to protect their business from all existing risks. Therefore, it will help to hire a licensed insurance broker today. At InsureYourCompany.com, we are here to help you safeguard your business and bottom line. Ensure you reach out today for a customized insurance quote.
InsureYourCompany.com is celebrating its 20 year anniversary in 2021. The company was started in 2001 in East Brunswick, New Jersey, and has come a long way since then; now employing over 24 employees and having it’s home base in Manalapan, NJ. What’s the best way to get to know what an employee’s experience is? Interviewing them! We’ve interviewed a number of IYC’s employees and hope you all take away something from everyone’s thoughts on the past 20 years.
So, what does working for a 20-year company mean? Jaime Chaifetz reports.
J: Emily, what does the 20th anniversary of InsureYourCompany.com mean to you?
Emily: Working for a 20-year company means being able to see where we started/where I started, and how far we have yet to go. I love a challenge and helping to build something is part of that.
J: And what are some things you’ve learned over the years?
Emily: You can’t do it all by yourself. The only constant here is change. There is actually very little worth getting upset/angry about. You still have to solve the problem anyway, don’t waste your energy. Almost anything is fixable.
Jerel Levenson has been with the company since day one, as one of the two founders, and here is his perspective on the trajectory of the company.
Jerel: When Alan and I started the business we did not even know if we would survive one year. We were starting an agency after only a few years in the insurance business. We had very limited knowledge of the market at that time.
For this to be our 20th year is something I honestly am very proud of. The reason has a lot to do with everyone around us all these years. As the years moved on, we hired more and more people. We encouraged education and hard work. We brought into the office an environment that created a place to call home. Our employees are a major reason we are at 20 years and will continue for who knows how many more.
J: And how about making mistakes? How did you overcome those hurdles?
Jerel: We made a ton of mistakes. We went on numerous appointments and were lucky if we could close 1 out of 10. But we kept doing the same thing, learning from the mistakes, studying the product, and closing more and more cases.
Alan Levenson, the other Founder of the organization has a very specific 100-year plan that he aims at bringing to fruition.
Alan: What is the legacy I hope to leave for the future? A place where dreams can be fulfilled. And the most important lesson that I’ve learned during my time at IYC? Patience.
Wise words, indeed.
And then comes the fun. Favorite memories? Let’s hear from some of the staff’s thoughts:
Dan Levenson: My favorite memories are the ones created with my fellow co-workers. Our sense of community drives us to excellence and allows us to have fun along the way. And the annual holiday party- who doesn’t love a PARTY!
Babette Mallow keeps it simple with her reply: Stories – Parties – Good clients
Some other fun memories were recalled by Rochelle Levine:
Rochelle: I started at InsureYourCompany.com in 2008. The holiday party that year was in New York City and we had so much fun!!
Emily takes it all home with her sentiment:
Emily: It’s hard to pinpoint a favorite memory. Our holiday parties are always fantastic, the days we would have potlucks or themed lunches, birthday celebrations, etc. But mostly the best moments for me were when we were all together. Something funny would happen or someone would start a conversation and we’d all have a chance to talk and interact. It was always those moments that helped the week go by faster and made things more fun.
So let’s tie it all together. We have learning, patience, memories, legacy, challenges, clients, and of course- doing the work. But here’s what Dan thinks about what working for a 20-year company means to the employees at InsureYourCompany.com.
Dan: Working for a 20-year company means to my determination. Being able to provide a reliable service and employ people for 20 years takes determination from the business owners to keep building and keep growing.
Thanks for reading, and hopefully you have taken away something from this deep dive into the thoughts of employees at a 20-year company. Here’s to InsureYourCompany.com’s next 80 years.
Cyber-attacks and threats are still an ongoing fight. Businesses are using different prevention methods to keep their data, cash flow, and customers safe online. The aim is to have a robust security measure that prevents various cyber threats experienced in the recent past. Some of the top risks businesses work against include:
On the bright side, these measures seem to be working on a small scale. According to a recent HIPPA Journal, in the first six months of 2021, data breaches declined by at least 24% globally. However, the study found an increase of data breaches by 1.5% in the U.S. It calls for more measures and new security policies for businesses in the region.
Over the same period, breaches reported to the public were 1767 between January 1, 2021, and June 30, 2021. The breaches led to an exposure of 18.8 billion records. Compared to the 27.8 billion recorded exposure in the first six months of 2020, the number is smaller, reduced by about 32%. According to these reports, the healthcare sector is still the most targeted and has topped the list since 2017.
In the positive light and turn of events, there is still much needed to alleviate cyber crime in companies. It is leading to losses of billions of dollars and the closure of numerous startups. Let’s look at some of the prevention measures companies are using to achieve these positive results.
From studies, employees are the leading cause of cybersecurity attacks in companies. 90% of cyber-attacks result from information hackers steal directly under employees’ noses who unwittingly give it away.
IT systems can only go up to that far. Therefore, increased awareness of cyber security threats in places of business has helped create a culture of online safety. Training employees on cybersecurity encompasses all the security threats and loopholes hackers use to mine for information, such as phishing and sending scam emails. Employees now know how to avoid scams and report them to the relevant people to prevent further damage.
There has been a rise in investments using top security and backups in business to keep off hackers. Companies have to be proactive in reducing cyber threats by having better systems and top tech experts for best security practices and training.
These technicians assess the vulnerabilities of networks and detect flaws before they can lead to any security issue. It has enabled companies to overcome security threats that would cripple their operations saving a lot of cash.
Companies are also proactive in updating their security systems more than ever before. There is no point in having security systems without constantly updating them. As technology changes, hackers are also changing the tactics they use to access information.
Updated systems have better security measures to reduce any chances of a hacker getting into your network systems. The right IT personnel helps companies stay updated with better security technology, significantly lowering cyber-attacks.
Passwords are one of the most annoying aspects of using technology and the most misused. Many companies use easy-to-guess passwords that invite hackers into their systems. Currently, the use of password managers helps businesses to keep their passwords safe from intruders. They also use strong passwords that no one can tell through guesswork. After all, that is the point of having a password in the first place.
Visit InsureYourCompany.com for information on insurance products to protect your business from cyber security threats.
Augmented reality has seen an explosion in growth over the last several years. In 2020 alone, the global augmented reality market was valued at roughly $17.67 billion and is expected to grow by 43.8% by 2028. Much of this growth is being driven by the healthcare industry. Augmented reality presents an opportunity for education and visualization that is revolutionizing the way healthcare professionals operate. Industry leaders like Mayo Clinic are already working to develop surgical simulations using both virtual and augmented reality.
It’s clear that augmented reality represents the future of modern healthcare, so it’s important to understand what exactly it is. Augmented reality is “the use of displays, cameras, and sensors to overlay digital information onto the real world.” In other words, augmented reality allows us to bring digital elements into the environment around us.
A prime example of augmented reality is a Google Translate feature that was rolled out in 2015. The update gave users the ability to translate the language of physical signs in real-time using their phone’s camera. This is an extremely useful feature for travelers, but the applications of augmented reality don’t end there. Everything from gaming apps to real estate has the potential for augmented reality applications.
Augmented reality has been around for years, but advances in both the technology and the software used to make it a reality are finally reaching a point where it’s much more practical for widespread use in fields like construction, advertising, and healthcare.
There are already numerous applications for augmented reality in the healthcare industry. The ability to access real-time data about patients through augmented reality is making healthcare professionals quicker, more accurate, and even better educated.
One of the most useful applications of augmented reality in the healthcare industry today is for educational purposes. Healthcare professionals must learn a vast amount of information about the body and its functions and keep their knowledge up to date. Having an augmented reality visual to interact with and explore can be an important resource for surgeons, doctors, and other medical professionals in their quest to better understand the human body.
Beyond educating healthcare professionals, augmented reality is an invaluable tool in helping patients better understand diseases, treatments, and other important aspects of their medical care that may be difficult to explain. Providing patients with augmented reality visuals can clear up confusion about things like surgical procedures or medications.
Augmented reality is also benefiting the healthcare industry by allowing medical professionals to visualize procedures, internal structures of the body, and other crucial elements of providing care to patients. These visualizations can have benefits ranging from increasing the accuracy of care to speeding up processes that some patients may find unpleasant.
Prime examples of augmented reality visualizations are already in use today. Surgeons are able to go through three-dimensional representations of a patient’s anatomy prior to performing surgery, helping to improve surgery outcomes. Healthcare workers can also use augmented reality to view a map of veins on top of a patient’s skin to more accurately locate veins for injections or drawing blood. This can be especially helpful for patients who may be uncomfortable with these procedures, as it can speed up the process.
Augmented reality is being used every day by healthcare professionals around the world for a variety of purposes. Even with the huge strides forward in augmented reality technology over the last several years, there are still so many opportunities for growth and improvement. As augmented reality technology continues to advance, even more applications will become possible, improving the quality of information and care that healthcare professionals are able to provide.
Business assets like augmented reality equipment are crucial to your business and can be quite expensive, so it’s important to maintain and protect them. Contact our team at InsureYourCompany.com to get an insurance quote to make sure your business’s most important assets are protected.
Your company may already offer safety training in-person and perhaps you think that is the only viable method of delivery, especially if your manufacturing plant had citations or violations from the Occupational Safety & Health Administration (OSHA) in the past. You also might own a startup and believe that your only option to fulfill OSHA requirements is in-person training, but you can use online safety training to provide better training for your employees. Well-trained employees experience fewer accidents. Fewer accidents at your business mean fewer workers’ compensation claims.
That tops the list of the many benefits of online safety training which includes savings of time and money, as well as improved education and retention. These benefits have led more than 40 percent of Fortune 500 companies to implement online training. Using e-learning combines multiple forms of media to educate and inform by presenting the information in every manner – audio, video, written text, graphics. This method ensures that, regardless of how an individual best learns information, it gets presented to them in a manner they can understand and digest. It presents information in small, manageable modules that follow a logical order and provides knowledge checks such as quizzes and tests.
The inherent design of e-learning provides the first benefit of online safety training – its flexibility for the learner. Unlike in-person, face-to-face training, an online program lets the user replay the course material as many times as needed. They work at their own pace, individually. The opposite is true of person-to-person physical training in which the teacher presents the material in a one-and-done fashion. With online safety courses, the student can save their progress at their convenience. They can review materials before taking a quiz or test. A 2010 US Department of Education report revealed that adults learn best through online training, but low-achieving students also known as slow learners did better with traditional classroom delivery. Since you probably do not employ the latter, using online safety training could improve the retention of your adult workforce.
When travel isn’t possible, yet you need trained employees, online safety training provides the solution. You can provide training to those in multiple time zones and varied locations from the cloud. Since the course material remains available 24 hours per day, seven days per week, employees can complete the course when they have time. As long as they have an Internet-capable device and the Internet, they can complete their training. This alleviates your need to block off time during the workday for training, so your productivity does not fall behind.
OSHA frequently updates its safety regulations, creating a challenge for safety instructors who conduct in-person training. You can easily update an online training to include the latest revisions to safety training materials. Since you have access to your training materials, you can make the updates the very day OSHA issues the revision to the safety regulation if needed.
The online safety training curriculum provides standardized information. With individual instructors presenting information in varied locations, your safety training program lacks standardization. With online training, information gets written or recorded once and each student plays back the same information, presented in the exact same manner. You organize all courses in a learning management system (LMS) to provide easy access and to encourage employees to complete additional training in a voluntary manner.
Global organizations or businesses with employees who speak a variety of languages natively can improve their employees’ learning by offering online safety courses in their native language. While it would create a complex hiring situation to contract with certified trainers in every needed language, you can easily translate the materials on an online safety course and have the materials recorded in various languages. Your employees choose which language works best for them and complete the training in it.
Humans learn better online because humans learn better in interactive situations. When the learner can touch a tool to practice with it or use a virtual model of the tool, they learn better. The typical learner retains as little as 10 percent when attending a lecture or reading, but providing an interactive e-learning module can bump that retention up to more than 70 percent.
Speaking of productivity, according to IBM, you could boost productivity by up to 50 percent with online training. To put it into dollars, so it makes sense, when your company spends $1 on online training, it can return to you in up to $30 of productivity gains. Since fast learners can complete online courses quickly, they enhance their productivity faster. Since the learning is all self-paced, the slower learners do not bog them down and they do not frustrate the slower learners by wanting to go through the material quicker, which could erode the slower learners’ ability to uptake the information.
You save both directly and indirectly. You save directly because online training costs much less than classroom training. You alleviate the costs of classroom rental, employee travel, hiring trainers, car rental, and hotel rooms. You save indirectly because improved employee retention results in fewer accidents, which cuts the costs of workplace injuries and illnesses. Your company remains in compliance, so it avoids fines. You experience fewer equipment problems since your employees know what to do and how to do it safely. But using online safety training also results in other savings, including reduced time and money to develop safety training materials, reduced cost of maintaining safety training records and completing reporting requirements, and reducing the time required to train a new employee.
Using interactive, cloud-based safety training lets your employees learn in an enjoyable way. You make learning fun by providing them with dynamic multimedia content that they can playback as many times as needed when they need it. They use interactive quizzes and tests to ensure they understand and retain knowledge. You can let them use virtual tools, so they get used to the interfaces or mechanical items they will use in real-life situations. The age-old example of this as far as computers are concerned are the flight simulators first used by the US Air Force and private airlines to provide pilot training. You can virtualize any interface or tool to provide hands-on training without the exorbitant cost of needing to purchase 50 of any item specifically for training use. Plus, when you create the virtual version of a drill or cockpit or manufacturing line, you allow the employee to access it on an as-needed basis. They can practice using it properly, as often as needed, without impacting other workers or requiring the trainer or any supervisory personnel to be present. Since it only provides a simulation with no person involved, they cannot hurt themselves or others. You not only make learning fun; you make it safer.
You have many reasons to implement an LMS today with training that can help you meet and comply with OSHA regulations. Moreover, your move to using online safety training can improve every facet of your business. Contact us to help you learn more ways you can protect your business from costly workers’ compensation claims. The best way to prevent claims is to make sure accidents don’t happen.
Every team needs the right software tools to do their jobs well. Today, were here to talk about what it takes to share a password securely in the all-too-often circumstances where this is necessary in the business world – with coworkers, clients, and business partners.
In an ideal world, passwords would be easy, secure, and known only to one person. In reality, we have to share passwords all the time. Sharing accounts is a normal part of both personal and business life in the modern world. At home, you choose an easy family password for movies, music, and shopping accounts so the whole family can share. At work, you may use a team login to access shared projects. Even when working with a new business partner, you may need to share passwords so that both parties can access and edit certain digital assets. This is especially true for website development and management.
Website design tends to assume one root account, one admin with all the powers so that all other admin accounts are managed below the root. Of course, the website owner and the person best qualified to be your website root account holder are often two different people. In order to develop a website, share control, or have your website managed by a hired pro, you will need to share a password – maybe more than one.
The challenge is in the sharing. How can you securely send a password over the internet without the risk of it being seen and read by anyone skimming the in-transit data? How can you send a password without the risk of it being read by someone else holding the recipient’s phone or sitting at their desk? The security risks today are everywhere, both in the digital and real world. As someone responsible for safekeeping an important password, what can you do? The complex answer is encryption. One interesting and very useful tool we’ve found is a website called SafeNote, a tool designed to send encrypted messages.
We’ll explain how SafeNote works and why it’s a handy go-to way to securely share a password along with other sensitive information that should be transmitted digitally with great care.
SafeNote has exactly three features that make it the perfect password sharing solution. It is not specifically made for passwords, but rather, for secure message sending of any sort. This also makes SafeNote ideal if you need to send medical information, personal identification, bank account numbers, and anything else you can’t afford to fall into the hands of hackers. Here are the three features that make up SafeNote:
Let’s break that down piece by piece.
First, let’s talk about encryption. As you may already know, encryption is the act of encoding a message so that it has to be deciphered using a complex process before the message can be opened and read. The simplest form of encryption is letter-translocation. For example A=Z, B=Y, C=X, and so on. The most classic type of encryption uses a book, and only someone holding the same book can find cypher to un-encode the message.
Today’s encryption software uses randomly generated cyphers that cannot be duplicated or even stolen by hackers. A new cypher is used every time, and only someone on the other end of an encrypted message with the decrypt cypher will be able to read the message. To anyone else, all they see is hashed gibberish.
For hackers, this means that your sent password can’t be read when it travels through the internet to your business partner. Some hackers specialize in ‘skimming’ messages from wifi, from cable connections, and even from hacked devices and local networks. They read the raw data packets as they pass, stealing data as it travels. Encrypted data can’t be stolen in-transit and if a hacker steals a whole encrypted server, all they get is a server’s data worth of complete gibberish.
In other words, encryption is our favorite way to thwart hackers and it works superbly here with password sharing. Your password, along with any other secure messages, will not be stored in plain text or even salted hash. It will be stored encrypted until the moment your recipient opens the message.
The next feature is link-sharing. When you enter a message into SafeNote for delivery, SafeNote will give you a unique URL that you can share. Conveniently, your message also disappears from the screen so anyone who enters your office after you submit the message won’t see the password displayed in plain text.
You can then safely share the URL, which reveals nothing about the message, with the person who needs your shared password. This creates a very safe way to transmit information because even if you email the link and that person’s email is skimmed, hacked, or snooped, no one will see anything they shouldn’t. And your password isn’t stored in email history, just the nonsense URL link.
Lastly, SafeNote destroys your message the first time it is read. Yes, the first time. As soon as your recipient opens that link once, it initiates the self-destruct sequence. They have until the browser tab is closed to view your message or retrieve your password. After that, the link goes to an expired-link page on the SafeNote site. No message, and no repeat visits.
Why is this important? The self-destruct feature keeps you safe in the long-run so that your password is not floating around in a server somewhere waiting to be stolen. Not only that, but anyone who gets ahold of the link from an email or even a shared personal device won’t be able to access your password. The message shows itself once and only once.
Using Safe-Note is incredibly easy. Start by heading to the SafeNote homepage. You’ll see a place to enter your message and a large handy button that says “Create Message”. Enter your password and click the button. From here, SafeNote encrypts the message and generates your one-time URL. You send that URL in an email or chat message to the recipient, who opens the link once to receive your password exactly once.
You can test SafeNote as many times as you want to see how it works for yourself. Go ahead and make a testing message and then try to visit the link twice. When you’re confident, generate your password message and send the link to your business partner. It’s as simple as that.
Building strong IT policies is also about choosing the right tools and equipping your team with a safe way to do things that are traditionally risky. SafeNote is just one of many potential tools you can use. Most effectively, it is approachable for one-time use without needing to install a program or create an account which clients often appreciate. For more useful IT techniques and the tools that make them work securely, contact us today!
In the contemporary world, everyone is looking for ways to utilize technology to succeed in their various fields of expertise. Businesses desire to go digital and exploit technological advancements to automate their operations. In the next three years, you can expect more than thirty-four percent of workers to have automated their jobs. All this is made possible through software.
Because of the increasing demand for Information Technology, the Software-as-a-Service (SaaS) industry is growing significantly. For instance, in the United States, the Information Technology sector has a thirty-three percent market share. Everyone who understands the potential in the software industry is investing their time and money to outperform their competitors. Here are tips to help you establish a successful software company:
The most significant aspect of a software company is the quality of products they develop. A high-quality product means the product should be efficient and free of bugs. High-quality products guarantee a compelling user experience; hence, you will attract new customers and easily retain the current ones.
A user can determine the quality of a product in its initial usage stages. A poorly done job in the development of software can’t go unnoticed for a long time. Low-quality products ruin the company’s reputation and keep away potential customers. Therefore, if you are to thrive in the software industry, developing high-quality products is not an option.
In software development, simplicity is a crucial factor to consider. Ensure the products you develop are user-friendly. If your product is not convenient, most users will avoid it. It doesn’t matter how great your innovation is or how many solutions it offers to customers. Everyone wants to have a seamless experience at work.
You ought to clearly understand your target audience. This means knowing where, when, and how the users will be using your product. Ensure the software is convenient and compatible with their working environment. In addition, the software should easily blend with the other tools your clients are using. That way, you will attract more users.
Any software company will always endeavor to keep a friendly relationship with its clients. A cordial relationship shows appreciation and respect for your customers. It also motivates the clients to return to your company over and over.
If you maintain a cordial relationship with your clients, they will most probably spread nice words about your company. Consequently, your company will appear courteous and professional, which is an excellent reputation for any business. The clients may also refer their friends, family, and colleagues to your company.
Being a software company in an era where technology is constantly shifting implies that you should stay alert and adapt to the changes. If you only stick to the old technology, soon you will be out of business. For example, in the current trends, most people are shifting to Artificial Intelligence. Therefore, you should already be developing software that supports AI.
Come up with new ways of solving problems using the latest technology and be prepared for future challenges. To remain competitive in software development, you’ll have to hasten your pace in innovation. As a result, you will be among the first companies to offer new quality products to your clients. Lastly, don’t forget to train your employees on technological advancements.
As a software company, ensure you are flexible enough to handle different types of jobs. Since the software development business is highly competitive, you must maximize any advantage over your competitors. The company’s ability to tackle various kinds of jobs will ensure you don’t face work shortages at any time.
As you produce your software, come up with different packages to meet the needs of your clientele. Have two or three packages tailored to fit different segments. These segments may differ in usability, ability to pay, and ROI (return on investment). Versatility will ensure your company is always engaged and there is a constant flow of money. Therefore, your business will be profitable.
While you employ the various tips to help a software company succeed, you’ll require proper insurance coverage and documentation to operate. At InsureYourCompany.com, we have a team of experienced business insurance experts ready to guide you in your success journey. Ensure you get a customized insurance quote today to start protecting your business the right way.
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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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