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What Highly Targeted Industries Should Know About Their Cyber Insurance Coverage

Posted by Adrianne Vigueras on Oct 20, 2016 9:00:00 AM

Cyber attacks and hacking is the newest foe businesses must deal with.  The World Wide Web and the rise of the Internet of Things has created a portal that allows hackers right into your business- it's as if they just walked through the front door!  

If the CIA, FBI and IRS can be hacked, so can your business.  How would you defend yourself against a cyber breach? Updating your security is a start, but current best practices also include backing up this plan with an insurance solution. This combination is the only true protection for your company.  

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Topics: Technology, pipeline, For Your Business, Energy & Environmental Risk, cyber security, Cyber Insurance

How The FDA Rules Are Setting The Bar For Any Size Farm

Posted by Jeffrey Forbes on Oct 13, 2016 9:00:00 AM

As part of its modernization efforts under the Food Safety Modernization Act, the Food and Drug Administration released its final rule on Produce Safety in November of 2015.  The rule is one of seven issued under the FSMA, and was rolled out at the same time as two other rules - one on foreign supplier verification and one on third party accreditation.  The rule seeks to introduce science based standards for the growing of produce within the US to ensure its safety.

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Topics: manufacturing, For Your Business, Food

ECBM Insurance Brokers & Consultants Named in Business Insurance’s Annual Best Places to Work in Insurance 2016

Posted by Jen Rossi on Oct 6, 2016 5:37:08 PM


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Topics: About ECBM

Why You Need Sewer Backup Insurance Coverage

Posted by Linda Cook on Oct 6, 2016 9:00:00 AM

Did you know that while this coverage is available under your homeowner insurance policy, it is not always included? This coverage, in most cases, needs to be specifically endorsed to provide coverage under your policy. 

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Topics: Safety At Home, Homeowners, plumbing, Home Tips

What The Trucking Industry Learned from the NHTSA's Collision Avoidance TEchnology Test

Posted by Jeffrey Forbes on Sep 29, 2016 5:32:15 PM

In June 2016, the National Highway Traffic Safety Administration released a field study on the use of collision avoidance systems in heavy vehicles. The report will help government agencies and transportation companies wanting to stay ahead of the curve in the implementation of more advanced safety features in the trucking industry.

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Topics: Safety At Work, Technology, trucking, For Your Business, Road Safety

A Look At Browing-Ferris: One Year Later

Posted by Jeffrey Forbes on Sep 22, 2016 9:00:00 AM

Last August, the National Labor Relations Board released a major decision in a case in involving the waste management company Browning Ferris Industries, more commonly known as BFI.  The case sent shockwaves through the business company as it opened the door for a massive increase in potential liability for companies that use contracted labor. 

Now, almost a year later, the impact of the Browning Ferris case continues to work its way through various agencies, a process somewhat complicated by the fractured nature of the United States’ regulation of labor standards.

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Topics: For Your Business, HR Insights, Wage And Hour, Union

Your Employee Is Your Biggest Risk For Being Hacked

Posted by Jeffrey Forbes on Sep 15, 2016 9:00:00 AM


Lots of people these days are talking about cybersecurity.  To many people, this conjures images of hackers delving deep into computer code to unearth and exploit systematic weaknesses.  The reality is that many of the most successful cyber scams rely not on the weaknesses within a computer system but on the weaknesses of human beings. 

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Topics: For Your Business, social engineering, cyber security

Meet HACCP and its 7 principles

Posted by Jeffrey Forbes on Sep 8, 2016 9:00:00 AM

The Food and Drug Administration and Department of Agriculture attempts to manage food safety for meat, seafood, and juice through the use of what are known as HACCP - Hazard analysis and critical control points.  HACCP has seven principles for implementation:  conducting hazard analysis, determining critical control points, and establishing certain standards and procedures based on those hazards and control points. While many food producing companies and those that handle food products are aware of the HACCP requirements it is good to review them periodically. They are outlined below:

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Topics: Safety At Work, For Your Business, Food

What The Pros Know: How Drone Insurance Is Different

Posted by Jeffrey Forbes on Sep 1, 2016 9:00:00 AM

On June 21, 2016, the Federal Aviation Administration finally released its final rule regulating the usage of unmanned small aircraft, a.k.a. drones. Most importantly, the rules fully permit the use of drones for commercial purposes such as aerial photography.  However, the rules do impose significant restrictions on drone use.

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Topics: For Your Business, Policy, Insurance Coverage, drone

The MCS-90 Endorsement (Explained In Less Than 5 Minutes)

Posted by Jeffrey Forbes on Aug 24, 2016 4:48:13 PM

Almost all personal and business automobile insurance policies exclude coverage for losses caused by pollutants. There is an exception in the case of materials necessary for the function of a vehicle- provided those items were leaked or released from somewhere other than their natural storage or use location.  

This can lead to a large uninsured loss exposure for companies regularly engaged in the transportation of a wide range of products that can be considered pollutants.  Companies unsure of their coverage could face large losses, including civil judgments and large fines, that put the future of the company in jeopardy.

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Topics: trucking, For Your Business, environmental, Road Safety

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