Cyberattackers Weaponizing Google Services

Denise Gillin Insurance, News, Risk Management

By Kelly Sheridan, Staff Editor, Dark Reading Security researchers have reported an uptick in cyberattackers weaponizing Google services to sneak past defensive tools and steal credentials, credit card details, and other personal information. The Armorblox threat research team today published their analysis of five targeted phishing campaigns they call “the tip of a deep iceberg.” These attacks take advantage of several Google services, including Google Forms, Google Docs, Google Site, and Firebase, Google’s mobile platform for app development. Read more here >>>

What Delivery Drivers should know about their auto coverage

Denise Gillin Home and Auto Insurance, News, Personal Lines

Shared from Forbes.com There are a multitude of ways to make extra income these days. In a time where ridesharing and delivery services are booming, be sure you understand your auto coverage. If you are a delivery driver using your own vehicle to carry and deliver other people’s goods in return for payment, a commercial policy is required. When working for such places as Uber, Lyft, GrubHub, Door Dash or grocery delivery, you are using your vehicle for business instead of personal use. If you have started a driving job (part-time or full-time), you could be putting yourself at risk and could have a claim denied if you haven’t informed your agent. Due to the pandemic, there are some companies …

Nine Tips for Space Heater Safety

Denise Gillin Insurance, News, Risk Management

From Succeed / KPA Safety Platform Can we all agree that it seems no one can agree on what is a comfortable office temperature? However, office temperature is important and may impact in ways previously not considered. A study conducted by Cornell University found that chilly workers not only make more errors but cooler temperatures could increase a worker’s hourly cost by 10 percent, as estimated by Alan Hedge, professor of design and environmental analysis and director of Cornell’s Human Factors and Ergonomics Laboratory. Bring out the space heaters If you are going to use them, follow these guidelines from Succeed / KPA safety resource platform to ensure a safe work environment: Never use space heaters in the areas where …

Increased Risk During Civil Unrest

Denise Gillin Insurance, News, Risk Management

From Chubb Commercial Insurance Businesses may face increased risks during periods of public protests and civil unrest, which can threaten employees, disrupt operations, and damage property. You can help mitigate these risks by considering the following actions: Prioritize employee protection When civil unrest arises – or appears on the horizon – communicate as soon as possible with your staff to express concern, emphasize the importance of situational awareness, and provide critical guidance to ensure employee and customer safety. Protect your facilities Property in areas with unrest face the threat of damage, looting, and arson. Take steps to help protect your company’s facilities. Secure vacant premises Vacant buildings are particularly vulnerable to damage during periods of civil unrest – and with …

Cyberattack – Not “if” but “when”

Denise Gillin Insurance, News, Risk Management

By Brian Owen, CPCU, Executive Vice President, Client Services and Ommie Rivera, Chief Information Officer Paying ransoms in ransomware attacks has always been controversial, but now it may be considered illegal by the US Department of Treasury according to SiliconANGLE.com. The argument is that at times, paying ransom to obtain core business files is worth it. However, conversely, does paying ransom encourage future attacks? Every situation is different and insurance policies are not created equally so there isn’t a one size fits all answer to a cyber breach. While coverage is important, partnering with experienced professionals you trust can be more important. Look for experts with established best practices to help your company weather the lifecycle of an incident. Murray represents …

Get Smart About Credit

Denise Gillin Home and Auto Insurance, Insurance, News

October 15th is Get Smart About Credit Day as well as International Credit Union Day. A good credit score is important for your financial health. The Balance lists the following as six benefits to having a good credit score: • Low interest rates on credit cards and loans • Better car insurance rates • Approval for higher limits • Easier approval for renting • Obtain certain contracts (like cell phone or utilities) with no security deposit • Better negotiating power Understanding your credit score is an important place to start. The following are tips for you and your family to help understand what affects your credit score. Help your children and grandchildren understand the importance of sound financial management. Learning …

Dining Out During a Pandemic

Denise Gillin Business Insurance, News

Shared from the National Restaurant Association  Research conducted by the National Restaurant Association indicates that the restaurant industry has lost $120 billion in sales during March, April, and May due to the impact of coronavirus in the United States. As state mandates allow for restaurants to reopen, jurisdictions that require face coverings in public spaces present a new challenge: guests refusing to wear masks. The Association’s Law Center partnered with Jackson Lewis P.C. to develop guidance for restaurateurs when dealing with confrontational customers or those who forgot their masks. Highlights include: What if a guest refuses to wear a mask on Constitutional grounds? Guests and employees have no constitutional free speech rights in a private business or workplace. The First …

Insurance Impact of Early Reopening Or Move to “Yellow” Phase

Denise Gillin Insurance, News

May 15, 2020   To Our Clients: Several counties in Pennsylvania are considering reopening early or shifting to a “yellow” phase ahead of Governor Wolf’s COVID-19 timeline.  Regardless of whether we agree or disagree with such a decision, it is important for you to be aware of potential insurance implications should you choose to reopen ahead of the Governor’s order. Governor Wolf and the Pennsylvania Insurance Department recently made several public statements regarding provisions in many types of insurance policies that could exclude coverage for businesses or individuals “engaging in illegal acts or conduct”.  We believe that most policyholders recognize that insurance, in general, does not provide coverage for illegal or criminal acts, regardless of the current COVID-19 pandemic or …

PCRB Update to PA WC Manual Due to COVID-19

Denise Gillin Insurance, News

On May 5, 2020, the Pennsylvania Compensation Rating Bureau released an update to the Pennsylvania Workers’ Compensation Manual, specifically to address issues related to the COVID-19 pandemic.  The new provisions have been approved by the Insurance Commissioner, and will apply from April 1, 2020, or later for policies in force on March 1, 2020, through December 31, 2020. Following is a summary of the changes as presented and what they may mean for PA employers. Allocation of Payroll The COVID19 Coronavirus Exception allows for temporary reclassification of payroll for employees working from home to Code 953 – Clerical Office during laws or regulations issued due to COVID-19, if separate, accurate and verifiable records are kept. Once normal operations resume, appropriate …

American Industrial Hygiene Association – Going Back to Work Safely

Denise Gillin Insurance, News

The American Industrial Hygiene Association put out the following re-opening guides: At Home Service Providers: AIHA Reopening-Guidance-for-At-Home-Service-Providers_CoVid 19 GuidanceDocument May 2020 General Office Setting: AIHA Reopening-Guidance-for-General-Office-Settings_CoVid 2020 GuidanceDocument 06 May 2020 Rideshare – Taxi, Limo, and Other Passenger Drivers for Hire: AIHA Returning-to-Work-Rideshare-Taxi-Limo-and-other-Passenger-Drivers-for-Hire_CoVid 19 GuidanceDocument 06 My 2020 Retail Industry: AIHA Reopening-Guidance-for-the-Retail-Industry_CoVid 19 GuidanceDocument 06 May 2020 Restaurant Industry: AIHA Reopening-Guidance-for-the-Restaurant-Industry_CoVid 19 GuidanceDocument 06 May 2020 Construction Environments: AIHA Returning-to-Work-Construction-Environments_CoVid 19 GuidanceDocument 06 May 2020 Gyms and Workout Facilities: AIHA Reopening-Guidance-for-Gyms-and-Workout-Facilitiess_CoVid 19 GuidanceDocument 06 May 2020 Hair and Nail Salons: AIHA Reopening-Guidance-for-Hair-and-Nail-Salons_CoVid 19 GuidanceDocument 06 May 2020 Contact your Murray representative at 717.397.9600 for further assistance.