Blog | Top O' Michigan Insurance Solutionshttps://tomia247.com/blog/2024-03-29T11:28:36+00:00Blog
Come back often for all the latest insurance news updates.What You Need to Know About the Slippery Scenarios of Water Damage and Your Insurance2022-03-06T20:24:54+00:002024-03-29T11:26:29+00:00Tyler Bartoshhttps://tomia247.com/blog/author/TBartosh/https://tomia247.com/blog/the-slippery-scenarios-of-water-damage-and-insurance/<p><span>Water damage is one of the most common causes of insurance claims for homeowners and businesses. At the surface, water is water...right? Unfortunately, burst pipes, backed up drains, flooded basements or a leaking roof will lead one to discover the details of their insurance policy - finding that all water damage is not the same according to the insurance policy language. </span></p>
<p><span>Identifying the <u class="x-el x-el-span c2-2a c2-2b c2-3 c2-49 c2-q c2-2f c2-4a c2-4d"><strong class="x-el x-el-span c2-2a c2-2b c2-3 c2-49 c2-q c2-34 c2-4a">cause</strong></u> and <u class="x-el x-el-span c2-2a c2-2b c2-3 c2-49 c2-q c2-2f c2-4a c2-4d"><strong class="x-el x-el-span c2-2a c2-2b c2-3 c2-49 c2-q c2-34 c2-4a">source</strong></u> of the water are the most important factors to determine if there is coverage for the damages. This is very important because an insurance policy is a legally binding contract between you and the insurance company. Therefore, the specific policy language determines what kind of water damage will be covered.</span></p>
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<h4 class="x-el x-el-h4 c2-4t c2-4u c2-c c2-d c2-3d c2-1p c2-1n c2-1m c2-1o c2-3 c2-35 c2-3f c2-j c2-3g c2-3h c2-3i c2-3j" style="text-align: center;"><strong class="x-el x-el-span c2-2a c2-2b c2-3 c2-49 c2-q c2-34 c2-4a">What type of water damage is NOT covered by most property insurance policies?</strong> <strong></strong></h4>
<p><img alt="Insurance Claim Denied" height="auto" src="https://www.tomia247.com/media/uploads/Stock%20Images/denied-g48e90998e_640.png" style="color: #00529b; font-family: SourceSansProRegular, 'SourceSansPro Regular', Arial; font-size: 25.5px; text-align: center; float: right;" width="30%"/></p>
<p><span>A general rule of thumb with insurance is that it is meant to cover "<em class="x-el x-el-span c2-2a c2-2b c2-3 c2-49 c2-q c2-2f c2-4a c2-4b">sudden and/or accidental damages"</em>. So, gradual damage or the result of gradual damage typically will not be covered. Some examples of this include:</span></p>
<ul>
<li><strong>mold, rot and/or corrosion</strong></li>
<li><strong>poor property maintenance or lack of repairs</strong></li>
<li><strong>normal wear and tear</strong></li>
<li><strong>water damage from seepage coming from cracks in the foundation</strong></li>
<li><strong>other long-standing problems like a leaking roof </strong></li>
</ul>
<p><span>So what if the water damage is sudden as a result of heavy rains or weather related events? There are also other specific water exclusions that coverage can either be "bought back" on the same policy or you must find an insurer for that specific peril. Some examples include:</span></p>
<ul>
<li><strong>surface water entering from outside the building</strong></li>
<li><strong>back-up of sewer or drain</strong></li>
<li><strong>a nearby lake or river overflows its banks which causes flash flooding in your building</strong></li>
</ul>
<p><span>The denial of water claims aren't always easy but understanding the specific coverage, exclusions and limitations for water damage can help you prepare. </span></p>
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<h4 class="x-el x-el-h4 c2-4t c2-4u c2-c c2-d c2-3d c2-1p c2-1n c2-1m c2-1o c2-3 c2-35 c2-3f c2-j c2-3g c2-3h c2-3i c2-3j" style="text-align: center;"><strong class="x-el x-el-span c2-2a c2-2b c2-3 c2-49 c2-q c2-34 c2-4a">What type of water damage is covered by most property insurance policies? </strong></h4>
<h4><img alt="Water Insurance" height="auto" src="https://www.tomia247.com/media/uploads/Stock%20Images/istock-897681154.jpg" style="color: #00529b; font-family: SourceSansProRegular, 'SourceSansPro Regular', Arial; font-size: 25.5px; text-align: center; float: right;" width="30%"/></h4>
<p style="text-align: left;"></p>
<p><span>After reading through some of the water damage scenarios above that aren't covered, you're probably wondering what kind of water damage is typically covered? Every claim scenario is as unique as the various insurance policies available; but in general, a property policy that includes coverage for <a class="x-el x-el-a c2-2a c2-2b c2-4d c2-c c2-d c2-4e c2-f c2-4f c2-3 c2-2e c2-2f c2-2g c2-2h" href="https://www.irmi.com/term/insurance-definitions/special-perils" rel="noopener" target="_blank"><u class="x-el x-el-span c2-2a c2-2b c2-3 c2-49 c2-q c2-2f c2-4a c2-4d"><em class="x-el x-el-span c2-2a c2-2b c2-3 c2-49 c2-q c2-2f c2-4a c2-4b"><strong class="x-el x-el-span c2-2a c2-2b c2-3 c2-49 c2-q c2-34 c2-4a">"Special Perils"</strong></em></u></a> will respond when: </span></p>
<ul>
<li><strong>cold temperatures cause your water pipes to freeze and burst (assuming you haven't left the house unoccupied)</strong></li>
<li><strong>overflow of an appliance such as a dishwasher, toilet or washing machine </strong></li>
<li><strong>storms damage your roof and heavy rains cause water to leak through (unless you have had a leaking roof as a result of poor maintenance) </strong></li>
</ul>
<p><span>As you can see, coverage for water damage depends on the situation and the source. If it is sudden/accidental and came from inside the property, you most likely will have coverage. In most cases, you can purchase broadened coverage on a homeowners policy, business owners policy (BOP) or commercial property policy with endorsements to provide more coverage for water damage. This coverage can be purchased for:</span></p>
<ul>
<li><strong>Back-up of sewer or drain from inside the building can be purchased and added to your policy.</strong></li>
<li><strong>Mold and mildew (not a result of neglect) most likely will be covered but may have a limitation built in to the policy.</strong></li>
<li><strong>Shoreline property such as seawalls, boat lifts, and docks are typically excluded but some companies have special policies for this.</strong></li>
</ul>
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<h4 style="text-align: center;">M<strong class="x-el x-el-span c2-2a c2-2b c2-3 c2-49 c2-q c2-34 c2-4a">y property isn't in an area that regularly floods, do I need to purchase a separate policy for flood? </strong></h4>
<p><img alt="Insurance Policy" height="50%" src="https://www.tomia247.com/media/uploads/Stock%20Images/insurance_policy.jpg" style="float: right;" width="auto"/></p>
<p><span>First off, virtually every commercial and personal insurance policy will specifically exclude flood damage. You may be wondering, why would I need a flood insurance policy if my property is located in a flood zone? You should consider a separate flood insurance policy to cover these types of claims: </span></p>
<p><span> </span></p>
<ul>
<li><strong>Ground level or surface water entering the building as a result of municipal storm drains backing up. Water backup coverage mentioned above could apply to water coming up out of a floor drain within the building but not the storm drains outside.</strong></li>
<li><strong>A cold and snowy winter quickly thawed in the spring which caused flooding and surface water to enter the building.</strong></li>
<li><strong>A nearby dam or levee breaks causing a body of water to flood a neighborhood or city.</strong></li>
<li><strong>Flooding as a result of natural disasters like hurricanes or heavy rains.</strong></li>
</ul>
<p><span><a class="x-el x-el-a c2-2a c2-2b c2-4d c2-c c2-d c2-4e c2-f c2-4f c2-3 c2-2e c2-2f c2-2g c2-2h" href="https://www.iii.org/fact-statistic/facts-statistics-flood-insurance" rel="noopener" target="_blank">You can learn more about facts and statistics of the National Flood Insurance Program here.</a></span></p>
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<p><img alt="2022 Insurance Trends" height="auto" src="https://www.tomia247.com/media/uploads/Stock%20Images/istock-815303210.jpg" style="float: right;" width="40%"/></p>
<p><span>This basic overview of water damage and insurance can demonstrate that <u class="x-el x-el-span c2-2a c2-2b c2-3 c2-49 c2-q c2-2f c2-4a c2-4d">insurance is not a commodity</u>. No matter what type of insurance you're talking about insurance policies and claims are very different. Policies are complicated contracts which is why it is very important to read the policy for subtle changes, exclusions or limitations. </span></p>
<p><span>All in all, water damage can be a slippery slope with insurance coverage. That is why having an understanding of what type of damage is covered or can be covered before it happens can help. However, insureds shouldn't be expected to fully understand the complexity of an insurance policy whether it is for your home, auto, business, life or health. </span></p>
<p><span>That is why it is why working closely with a good, reputable independent insurance agent is the best place to start. The more coverage you want, the more it will cost. This is similar to choosing "loaded" options on a new pickup truck or a contractor using custom, high-end bathroom finishes. Be prepared to determine what your "pucker factor" is as it relates to the cost of the coverage versus your risk. That is what insurance is all about - managing and sharing risk.</span></p>
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<h5 style="text-align: center;">For more risk management guidance or questions about your policy's coverage limits, <strong><span style="text-decoration: underline;"><a href="https://www.tomia247.com/about/contact-us/" rel="noopener" target="_blank" title="Contact Us">contact us today.</a></span></strong></h5>
<p></p>
<p><a href="https://www.tomia247.com/get-a-quote/Cyber/" rel="noopener" target="_blank"><img alt="Get a Quote" height="auto" src="https://www.tomia247.com/media/uploads/icons-and-logos/get_a_quote_tom.png" style="display: block; margin-left: auto; margin-right: auto;" width="50%"/></a></p>
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<h2><span>More Industry News</span></h2>
<p><a href="https://www.tomia247.com/about/contact-us/" rel="noopener" style="color: #0275dc; outline: 0px;" target="_blank"><img alt="Contact Us" height="auto" src="https://www.tomia247.com/media/uploads/icons-and-logos/istock-609801866.jpg" style="float: right;" width="25%"/></a></p>
<p><span>Want to stay up to date on the latest community and insurance news? You can find more on important topics on<a href="https://www.tomia247.com/blog/" rel="noopener" target="_blank" title="TOMIA Blog"> </a></span><a href="https://www.tomia247.com/blog/" rel="noopener" target="_blank" title="TOMIA Blog"><span>our blog</span><span>.</span></a> </p>
<p><strong>About Top O' Michigan Insurance Solutions:</strong></p>
<p>At Top O’ Michigan Insurance Solutions, we pride ourselves on using our skills to provide clients with competitive pricing, stability and understanding, and peace of mind. With seven locations throughout Michigan and 24/7 client access, our team is your 'expert buyer' of insurance for home, auto, farm, boat, motorcycle, business owners, workers compensation, bonds, life and health, employee benefits and more.</p>
<p>We will provide unparalleled and caring service to our clients through our knowledgeable staff and give back to our employees, agency, industry and our communities. Part of our mission is to give back to the Michigan communities we serve. This is something we take action on through We Care and you can learn more about our community outreach at <a href="https://www.tomia247.com/about/community-involvement/" rel="noopener" target="_blank" title="TOMIA247.com/WeCare">TOMIA247.com/WeCare</a>.</p>
<h6><strong>National Resources, Locally Sourced.</strong></h6>
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<p><i><span>Disclaimer: </span></i><span><em class="x-el x-el-span c2-9 c2-a c2-3g c2-s c2-o c2-3i c2-3j c2-3">This Blog/Web Site does not provide insurance or legal advice. This site is for educational purposes only as well as to provide you with general information and a general understanding of insurance, not to provide specific legal advice or specific contract advice. Viewing this site, receipt of information contained on this site, or the transmission of information from or to this site does not constitute a client relationship. </em></span></p>
<p><span><em class="x-el x-el-span c2-9 c2-a c2-3g c2-s c2-o c2-3i c2-3j c2-3">The information on this Blog/Web Site is not intended to be a substitute for professional insurance or legal advice. Always seek the advice of a licensed agent in your state pertaining to insurance and legal issues.</em></span></p>
<p><span>First posted on TheIsnuranceGeek.com on May 1, 2020</span></p>
<p><span>Author: Tyler Bartosh</span></p>
<p><span>Sources:</span></p>
<p><span><a class="x-el x-el-a c2-2a c2-2b c2-4d c2-c c2-d c2-4e c2-f c2-4f c2-3 c2-2e c2-2f c2-2g c2-2h" href="https://www.iii.org/" rel="noopener" target="_blank">Insurance Information Institute (iii.org)</a></span></p>
<p><span><a class="x-el x-el-a c2-2a c2-2b c2-4d c2-c c2-d c2-4e c2-f c2-4f c2-3 c2-2e c2-2f c2-2g c2-2h" href="https://www.irmi.com/" rel="noopener" target="_blank">International Risk Management Institute (IRMI.com)</a></span></p>
<p><span><a class="x-el x-el-a c2-2a c2-2b c2-4d c2-c c2-d c2-4e c2-f c2-4f c2-3 c2-2e c2-2f c2-2g c2-2h" href="http://roughnotes.com/rnmagazine/2005/july05/07p24.htm" rel="noopener" target="_blank">Water Damage Coverage and Limitations by Roy McCormick - The Rough Notes Company</a></span></p>
<p><span></span><a href="https://www.insurancejournal.com/news/national/2021/05/13/613816.htm#:~:text=The%20overall%20U.S.%20property%2Fcasualty,by%20improved%20commercial%20lines%20pricing.&text=Industry%20data%20from%20statutory%20filings,claims%20in%20accident%2Dyear%202020.," style="background-color: #ffffff;"></a></p>
<p><a href="https://www.spglobal.com/marketintelligence/en/news-insights/latest-news-headlines/commercial-auto-insurance-rate-hikes-outpace-reductions-in-november-2021-68281770">https://www.spglobal.com/marketintelligence/en/news-insights/latest-news-headlines/commercial-auto-insurance-rate-hikes-outpace-reductions-in-november-2021-68281770</a></p>What Insurance Buyers Need to Know about the Cyber Liability Outlook2022-01-25T14:20:24+00:002024-03-29T11:28:08+00:00Tyler Bartoshhttps://tomia247.com/blog/author/TBartosh/https://tomia247.com/blog/what-insurance-buyers-need-to-know-about-the-cyber-liability-outlook/<p>Earlier this year, <strong><a href="https://www.tomia247.com/blog/what-businesses-need-to-know-about-the-insurance-market-outlook-for-2022/" rel="noopener" target="_blank">we shared a general outlook on the insurance market for 2022</a></strong>. The insurance market has been hardening after years of relative stability. We'll continue to dive in on specific coverages to share a bit on how they have been impacted, what to expect for 2022 and how you can best prepare your business.</p>
<p>While claims have have impacted a number of sectors in the insurance market, the cyber insurance segment was arguably hit the hardest. The cyber insurance market is at a critical juncture for both insurance carriers and policyholders. While the last few years have seen increased competition among cyber insurance carriers, higher capacity and expanded coverage terms, both 2020 and 2021 saw a rapidly hardening cyber insurance market. Moreover, across industry lines, cyberattacks have surged in both cost and frequency. This increase in attacks has, in turn, resulted in a rise in cyber liability claims and subsequent underwriting losses.</p>
<p>In light of these market conditions, it’s predicted that most policyholders will experience higher cyber liability insurance rates in 2022, with many insureds seeing double-digit rate increases. Apart from increased premium costs, insureds may also encounter coverage restrictions, further scrutiny from underwriters regarding cybersecurity practices, and exclusions or sublimits for losses stemming from specific types of cyber incidents. If policyholders fail to demonstrate proper cybersecurity protocols or have experienced cyber incidents in the past, coverage will be increasingly difficult to obtain.</p>
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<p style="text-align: center;"><span style="color: #00529b; font-family: SourceSansProRegular, 'SourceSansPro Regular', Arial; font-size: 1.7em;">What happened with the cyber insurance market in 2021?</span><br/><strong></strong></p>
<p><img alt="Cyber Crime" height="auto" src="https://www.tomia247.com/media/uploads/blog/hacker-3342696_640.jpg" style="color: #00529b; font-family: SourceSansProRegular, 'SourceSansPro Regular', Arial; font-size: 25.5px; text-align: center; float: right;" width="30%"/></p>
<p><span>The cyber insurance market has been extremely volatile since the pandemic and especially in the United States. There have been a severe uptick in dangerous cyberattacks against American companies that are responsible for major financial loss and damage. Here are a few findings from the prior years' data:</span></p>
<ul>
<li><strong>2021 had the highest average cost in 17 years -</strong> Data breach costs rose from $3.86 million to $4.24 million. <a href="https://www.ibm.com/security/data-breach" rel="noopener" target="_blank"><strong><em>(IBM Cost of a Data Breach Report 2021)</em></strong></a><span></span></li>
<li><strong>Remote work due to COVID-19 increased the cost - </strong>The average cost was $1.07 million higher in breaches where remote work was a factor in causing the breach. <a href="https://www.ibm.com/security/data-breach" rel="noopener" target="_blank"><strong><em>(IBM Cost of a Data Breach Report 2021)</em></strong></a></li>
<li><strong>Compromised credentials caused the most breaches -</strong> Compromised credentials were responsible for 20% of breaches at an average breach cost of $4.37million. <a href="https://www.ibm.com/security/data-breach" rel="noopener" target="_blank"><strong><em>(IBM Cost of a Data Breach Report 2021)</em></strong></a></li>
<li><strong>Cybercrime is predicted to inflict damages totaling $6 trillion globally in 2021-</strong> Data breach costs rose from $3.86 million to $4.24 million. <a href="https://cybersecurityventures.com/cybercrime-damages-6-trillion-by-2021/" rel="noopener" target="_blank"><strong><em>(CyberCrime Magazine)</em></strong></a></li>
<li><strong><em>6,000,000,000 will be connected to the internet interacting with data in 2022 -</em></strong><em> </em>Yes, 6 billion people! Roughly one million more people join the internet every day which means more connected devices and networks.<em></em><a href="https://cybersecurityventures.com/cybercrime-damages-6-trillion-by-2021/" rel="noopener" target="_blank"><strong><em>(CyberCrime Magazine)</em></strong></a></li>
</ul>
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<h4 style="text-align: center;">What factors are causing the cyber insurance market to harden?</h4>
<h4><img alt="Hard Market Economy Insurance" height="auto" src="https://www.tomia247.com/media/uploads/Stock%20Images/istock-1278695302.jpg" style="float: right;" width="40%"/></h4>
<p style="text-align: left;"></p>
<p style="text-align: left;"><span>Many factors affect the cost of insurance but the following are primary reasons insurance buyers are seeing significant rate increases:</span></p>
<ul>
<li style="text-align: left;"><span>The <strong>Economy - </strong>Like other segments within the economy, insurance is feeling the pressure. Claims are more costly to adjust and settle. This can also lead to businesses opting to go without certain security measures due to increased costs.</span></li>
<li><strong>Claims and the Loss Environment </strong>- As mentioned above, cyber insurers have experienced a significant increase in claims. This means that their loss ratios have also increased which leads to profits deteriorating. As the frequency and severity of claims rises, so to shall the insurance premiums.</li>
<li><strong>The Cost of Reinsurance and capacity - </strong>With the reasons outlined above, companies may have higher reinsurance rates. Or some companies may not have the capacity for claims due to these loss ratios.</li>
<li><strong>Cyber security measures and trends - </strong>The work-from-home changes, more remote work environments or and more connected networks can cause a higher frequency and severity of claims. Plus, many businesses may have made adjustments without updating their cyber security measures in place.</li>
</ul>
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<h4 style="text-align: center;">What factors influence my cyber liability insurance rates?</h4>
<p>While the reasons above can make it difficult for consumers to secure their desired coverage at the expected price, there are additional factors that influence your insurance rates. Here are a few of the main components that factor in when pricing your coverage:<strong></strong></p>
<h4 style="text-align: center;"><img alt="Insurance Rates Premium" height="auto" src="https://www.tomia247.com/media/uploads/Stock%20Images/istock-1249714483.jpg" style="float: right;" width="40%"/></h4>
<ul>
<li><strong>Industry</strong> - Of course, certain industries carry more risks than others. For instance, the pricing, coverage conditions and availability are significantly different if you're a crane operator versus a retail store. </li>
<li><strong>Size of you Business</strong> - The more revenue your company generates, the more your premium will typically be increased. This is due to increased exposure with more customers, vendors, transactions, etc.</li>
<li><strong>Coverage - </strong>Each company's policy form is different. So the coverage limits and sublimits selected will also influence your premium. This includes your breach response limits, if they're inside or outside the limits, along with sublimits on Business Interruption, Social Engineering and more.</li>
<li><strong>Claims History </strong>- As mentioned above, if you're in a higher risk industry that is more likely to experience a loss or a catastrophic loss, that will impact your rates. In addition, if your business's claim history (confirmed with 'Loss Runs') will also have an impact on insurance rates. If you are experiencing frequent claims or severe claims, the underwriters tend to view your business as one that is more likely to file a claim.</li>
<li><strong>Risk Management - </strong> This is a broad term but can be designed to help control not only your up front insurance costs but also to avoid future losses. Cyber and Data Security along with employee training procedures in place can help provide some financial relief while you can also look to "self-insure" some exposures with a higher deductible or simply financing the risk through other methods.</li>
</ul>
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<h4 style="text-align: center;">What trends do I need to watch for in 2022?</h4>
<p><img alt="2022 Insurance Trends" height="auto" src="https://www.tomia247.com/media/uploads/Stock%20Images/istock-695433280.jpg" style="float: right;" width="40%"/></p>
<p>Unless you have been living under a rock, you are most likely aware of the economic and social challenges we're collectively facing. These challenges will continue to shape our economic and insurance trends for 2022 and beyond. Let's take a look at a few of those trends to consider when making decisions for your business.</p>
<ul>
<li><strong>Tightened underwriting standards</strong>—With cyberattacks surging, cyber insurance carriers have adjusted their underwriting practices to help mitigate the risk of costly claims. In particular, carriers are now requiring more substantial documentation from their insureds. This may include detailed information related to workplace cyber policies, incident response planning, employee training and security software capabilities. In addition, some cyber insurance carriers have also decreased their risk appetite and reduced their coverage offerings—especially as they pertain to protection for losses stemming from cyber events that are on the rise (e.g., ransomware attacks). To prevent insureds from leveraging their coverage for unintended purposes, some carriers have changed their policy wording to be less ambiguous. This adjusted wording can help carriers clearly outline the types of cyber events they cover as well as when and how coverage will be triggered.</li>
<li><strong>Elevated ransomware concerns</strong>—Ransomware attacks have been steadily increasing in recent years. This increase is likely tied to cybercriminals becoming more sophisticated and developing further avenues for launching these attacks (e.g., ransomware-as-a-service and remote desk protocol). What’s worse, ransomware attacks often carry higher costs than other types of cyber events. NetDiligence’s annual cyber claims study found that ransomware attacks were the largest driver of cyber insurance claims over the last five years—with the average ransom demand rising to $247,000 and the median incident cost reaching $352,000.</li>
<li><strong>Heightened business email compromise (BEC) risk</strong>s—BEC scams entail a cybercriminal impersonating a legitimate source within an organization to trick their victim into wiring money, sharing sensitive data or engaging in other compromising activities. According to the latest loss data from Advisen, BEC scams are among the most expensive types of social engineering losses, and they are on the rise—increasing 58% from 2015 to 2019. The median cost of a BEC loss is $764,000; this is significantly more expensive than other social engineering losses, which average around $580,000.</li>
</ul>
<p>According to Shawn Ram's blog on <a href="https://riskandinsurance.com/the-5-top-cyber-claims-we-can-expect-in-2022-according-to-coalitions-shawn-ram/" rel="noopener" target="_blank"><span style="text-decoration: underline;"><strong>Risk & Insurance</strong></span></a>, they have reviewed current cyber claims data from across North America to draw on these additional trends for 2022.</p>
<ul>
<li><strong>Ransomware will remain a threat — </strong>Poorly secured remote access protocols have allowed ransomware to become one of the most lucrative cyber criminal activities. </li>
<li><strong>Supply chain attacks won't stop — </strong>These types of attacks allow criminals to 'get more bang for their buck' by victimizing many organizations at once. </li>
<li><strong>Nation-state involvement — </strong>High-profile attacks such as those against SolarWinds and Microsoft Exchange were believed to be instigated by nation-state actors. These are thought to be more motivated by espionage rather tahn financial gain but these exploits eventually make their way into criminal hands.</li>
</ul>
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<h4 style="text-align: center;">Tips for cyber insurance buyers in 2022</h4>
<p><img alt="2022 Insurance Market Forecast" height="auto" src="https://www.tomia247.com/media/uploads/blog/cyber_forecast.jpg" style="float: right;" width="25%"/></p>
<p>Insurance pricing forecasts are based on industry reports for various lines of insurance. These are not a guarantee or premium rates and should only be viewed as general information (not insurance or legal advice). According to Zywave's 2022 P&C Market Outlook, various lines of insurance</p>
<p> coverage are expected to rise but some more than others. On average, we are seeing rates with some companies renew 10-20% higher than the prior year. Some companies have taken rate increases of 40-70% for certain businesses.</p>
<p><span class="textRed"><strong></strong></span></p>
<p><span class="textRed"><strong>DO NOT PANIC!</strong></span> We have outlined a number of factors that have made the insurance buying process complex and it may feel unpredictable. While it may seem that rate increases will continue through 2022, there are steps your business can take to be better prepared for a cyber incident, avoid large renewals, and have a more predictable premium to budget for.</p>
<ol>
<li><strong>Plan ahead and with ample time to take inventory of your current cyber and data liability needs, make adjustments and seek other potential solutions</strong>.
<ul>
<li>While many of our clients experienced large renewal increases, we have multiple top cyber markets to work with. We have been able in most cases to find an alternative solution with similar coverage without the significant increase.</li>
</ul>
</li>
<li><strong>Work with an independent agent that has the knowledge and access to markets to help provide you with options. Your agent is your direct line of communication to the company and has established relationships with the underwriters.</strong>
<ul>
<li>Be sure your agent understands the different types of cyber coverage available and secure a policy that suits your unique needs. Carefully determine whether standalone coverage is necessary.</li>
<li>This means to have information available, be honest and up front with your agent so they can help protect your exposures.</li>
<li>Top O' Michigan acts as your 'expert buyer of insurance' and can help navigate this process with you. </li>
</ul>
</li>
<li><strong>Be prepared that cyber insurance carriers are going to require more information than they typically have in prior years.</strong>
<ul>
<li>This means that you may be required to clarify information submitted, or specify more details on your data security measures in place, or the types of data you are responsible for.</li>
<li>Top O' Michigan has developed and maintained strong partnerships in the marketplace. That means we have multiple solutions that help us to provide the information and tools to our clients so they can become better cyber risks.</li>
</ul>
</li>
<li><strong>Be proactive with your risk management plan. Be sure to address any potential loss control recommendations such as employee cyber training, utilizing cyber security firms or experts to protect your business, using methods of risk transfer including contracts, or improving data security</strong>.
<ul>
<li>Take advantage of loss control services offered by insurance carriers to help strengthen cyber measures.</li>
<li>Focus on employee training to prevent cybercrime from affecting your operations. Employees should be aware of the latest cyber threats and ways to prevent them from occurring.</li>
<li>Establish an effective, documented cyber incident response plan to minimize damages amid a cyberattack.</li>
<li>Consider supply chain exposures when establishing your organization’s cybersecurity policies.</li>
<li>Adopt controls to help in reducing your cyber risk exposure such as multifactor authentication (MFA), privileged access management (PAM), email filtering and web security, endpoint detection and response (EDR) and more.</li>
</ul>
</li>
</ol>
<hr/>
<h5 style="text-align: center;">For more risk management guidance or questions about your policy's coverage limits, <strong><span style="text-decoration: underline;"><a href="https://www.tomia247.com/about/contact-us/" rel="noopener" target="_blank" title="Contact Us">contact us today.</a></span></strong></h5>
<p></p>
<p><a href="https://www.tomia247.com/get-a-quote/Cyber/" rel="noopener" target="_blank"><img alt="Cyber Liability Quote" height="auto" src="https://www.tomia247.com/media/uploads/icons-and-logos/img_4134.png" style="display: block; margin-left: auto; margin-right: auto;" width="50%"/></a></p>
<p></p>
<hr/>
<h2><span>More Industry News</span></h2>
<p><a href="https://www.tomia247.com/about/contact-us/" rel="noopener" style="color: #0275dc; outline: 0px;" target="_blank"><img alt="Contact Us" height="auto" src="https://www.tomia247.com/media/uploads/icons-and-logos/istock-609801866.jpg" style="float: right;" width="25%"/></a></p>
<p><span>Want to stay up to date on the latest community and insurance news? You can find more on important topics on<a href="https://www.tomia247.com/blog/" rel="noopener" target="_blank" title="TOMIA Blog"> </a></span><a href="https://www.tomia247.com/blog/" rel="noopener" target="_blank" title="TOMIA Blog"><span>our blog</span><span>.</span></a> </p>
<p><strong>About Top O' Michigan Insurance Solutions:</strong></p>
<p>At Top O’ Michigan Insurance Solutions, we pride ourselves on using our skills to provide clients with competitive pricing, stability and understanding, and peace of mind. With seven locations throughout Michigan and 24/7 client access, our team is your 'expert buyer' of insurance for home, auto, farm, boat, motorcycle, business owners, workers compensation, bonds, life and health, employee benefits and more.</p>
<p>We will provide unparalleled and caring service to our clients through our knowledgeable staff and give back to our employees, agency, industry and our communities. Part of our mission is to give back to the Michigan communities we serve. This is something we take action on through We Care and you can learn more about our community outreach at <a href="https://www.tomia247.com/about/community-involvement/" rel="noopener" target="_blank" title="TOMIA247.com/WeCare">TOMIA247.com/WeCare</a>.</p>
<h6><strong>National Resources, Locally Sourced.</strong></h6>
<hr/>
<p><i><span>Disclaimer: </span></i><span><em class="x-el x-el-span c2-9 c2-a c2-3g c2-s c2-o c2-3i c2-3j c2-3">This Blog/Web Site does not provide insurance or legal advice. This site is for educational purposes only as well as to provide you with general information and a general understanding of insurance, not to provide specific legal advice or specific contract advice. Viewing this site, receipt of information contained on this site, or the transmission of information from or to this site does not constitute a client relationship. </em></span></p>
<p><span><em class="x-el x-el-span c2-9 c2-a c2-3g c2-s c2-o c2-3i c2-3j c2-3">The information on this Blog/Web Site is not intended to be a substitute for professional insurance or legal advice. Always seek the advice of a licensed agent in your state pertaining to insurance and legal issues.</em></span></p>
<p><span>Author: Tyler Bartosh</span></p>
<p><span>Sources: <span style="text-decoration: underline;"><strong><a href="http://www.zywave.com" rel="noopener" target="_blank">Zywave</a></strong></span>, <strong><span style="text-decoration: underline;"><a href="https://www.hiscoxgroup.com/sites/group/files/documents/2021-04/Hiscox%20Cyber%20Readiness%20Report%202021.pdf" rel="noopener" target="_blank">Hiscox Cyber Readiness Report 2021,</a> <a href="https://www.ibm.com/security/data-breach" rel="noopener" target="_blank">IBM.com, </a> <a href="https://cybersecurityventures.com/cybercrime-damages-6-trillion-by-2021/" rel="noopener" target="_blank">Cybersecurityventures.com</a></span></strong></span></p>5 Strategies for Reducing Health Benefits Costs in 20222021-11-05T14:54:48+00:002024-03-29T11:27:44+00:00Tyler Bartoshhttps://tomia247.com/blog/author/TBartosh/https://tomia247.com/blog/5-strategies-for-reducing-health-benefits-costs-in-2022/<p>For the past two decades, health costs have increased each year. This happens for a variety of reasons, such as inflation or, say, a global pandemic. With that in mind, employers can bank on prices going up in 2022.</p>
<p>According to a PricewaterhouseCoopers (PwC) report, medical costs are projected to increase 6.5% in 2022. This is about average for the past decade; although, it is slightly lower than the 7% increase projected this year (as more spending goes toward the COVID-19 pandemic).</p>
<p>Yet, 6.5% is still a considerable increase, especially when so many budgets have been reallocated or slashed due to the pandemic. That’s why employers must think both strategically and creatively about how they can lower their health benefits expenses in 2022.</p>
<p>This article includes five ways to help reduce spending without compromising benefits quality.</p>
<h4>1. Control Drug Spending</h4>
<p>Drug prices are rising faster than any other medical service or commodity. Prices are now 33% higher than they were in 2014, according to GoodRx. This is a significant problem during inpatient procedures, where individuals aren’t usually given an option to select a generic medication—patients rarely know what drugs they’re given until after the fact. Even in routine prescription scenarios, employees may be prescribed name-brand medications simply due to physician preference.</p>
<p>Employers can educate employees on the price differences between name-brand and generic medications. Doing so can help employees understand that they can save money while still receiving the same quality treatment.</p>
<p>Additionally, employers may consider introducing varying levels of prescription drug coverage. For instance, fully covering generic prescriptions or drugs used for chronic conditions. For higher levels (e.g., specialty drugs), employers may cover less of the costs. Ultimately, employers will need to determine the appropriate coverage levels for their unique workplaces.</p>
<h4>2. Encourage Active Benefits Participation</h4>
<p>Beyond drug spending, employers can help limit overall health costs by making employees active participants in their health care. This means encouraging employees to improve their health literacy, research treatments and price shop.</p>
<p>Price shopping, in particular, should be easier in 2022, given the new <a href="https://www.cms.gov/hospital-price-transparency">hospital price transparency rule</a> that took effect Jan. 1, 2021. Employees will now be able to see specific prices for procedures and other services. This incentivizes employees to educate themselves before making costly health decisions.</p>
<h4>3. Offer Savings Accounts with Carryovers</h4>
<p>Health plans with savings components are becoming more popular each year. That’s because these tax-advantaged savings accounts empower employees to control their own spending and improve their health literacy. The accounts include health savings accounts (HSAs), flexible spending accounts (FSAs) and others.</p>
<p>Many accounts allow for fund carryover year to year, or allow employers to add that option onto their plan designs. Allowing carryover encourages employees to contribute more funds, since they’re no longer “use it or lose it.” Since many employers match contributions up to a limit, more money added to these accounts means greater tax savings for everyone.</p>
<h4>4. Embrace Virtual Health Options</h4>
<p>One major takeaway from the COVID-19 pandemic has been that virtual solutions can offer high-quality outcomes. This is so true that many companies are allowing employees to work remotely permanently. Virtual health options are no exception to this trend.</p>
<p>There are countless telehealth services available these days. Individuals can connect with health professionals in just a few clicks—no waiting times or driving to a clinic. Additionally, individuals will not need to take large chunks of time off work, allowing for greater productivity. As such, telehealth solutions are often much less expensive than a typical in-person doctor visit. Even the Centers for Medicare and Medicaid Services (CMS) acknowledges the <a href="https://www.cms.gov/newsroom/press-releases/cms-proposes-physician-payment-rule-improve-health-equity-patient-access">usefulness of telehealth services</a>, seeking to expand access.</p>
<p>Employers can consider adding telehealth services into their plan designs. In some cases, it may be cost-efficient for employees to schedule a virtual health visit before an in-person appointment, under certain circumstances. In any case, having a telehealth option expands access to care and lowers expenses for everyone.</p>
<h4>5. Consider Plan Funding Alternatives</h4>
<p>A more drastic option for reducing health costs is restructuring how plans are funded. For instance, a self-funded plan may be more cost-effective than paying a monthly premium for a fully insured plan. Other options include level-funding or reference-based pricing models, each of which carries its own set of administrative rules and legal constraints.</p>
<p>Funding decisions should not be taken lightly and should be based on several factors, such as the size of an organization, risk tolerance, and financial stability. Employee financial stability should also be considered, especially while the effects of the COVID-19 pandemic can still be felt. Employees may not be able to burden large premium increases, constraining some plan funding flexibility options.</p>
<p>Historically, employers have shifted costs onto their employees (usually through higher premiums) as a way to reduce spending. However, that trend is not expected to be widespread in 2022. Considering the tight labor market and how many individuals are struggling financially due to the pandemic, employers will likely be hesitant to shift too much of the burden. Doing so may cause employees to seek other jobs or simply forego preventive care, which can lead to chronic conditions and higher future health care costs.</p>
<h4>Conclusion</h4>
<p>Employers have a variety of ways in which they can help contain health care expenses. Choosing the right method will depend on unique employee populations and budgets.</p>
<p>Reach out today for help strategizing your best options.</p>
<hr/>
<p><iframe allow="accelerometer; autoplay; encrypted-media; gyroscope; picture-in-picture" allowfullscreen="allowfullscreen" data-mce-fragment="1" frameborder="0" height="315" src="https://www.youtube.com/embed/3UJz2PZ9n-w" width="560"></iframe></p>
<hr/>
<p><strong>Brought to you by the insurance professionals at Top O' Michigan Insurance Solutions</strong></p>
<p><strong>This Benefits Insights is not intended to be exhaustive nor should any discussion or opinions be construed as professional advice. © 2020 Zywave, Inc. All rights reserved.</strong></p>How Much Liability Insurance Is Enough?2021-09-16T15:27:47+00:002024-03-29T11:26:37+00:00Tyler Bartoshhttps://tomia247.com/blog/author/TBartosh/https://tomia247.com/blog/how-much-liability-insurance-is-enough/<p><span>How much liability insurance is enough? $1,000,000 is an awful lot of money, right? That certainly seems that most people would be comfortable with these limits but should they be? Since every individual and business is unique, it can be hard to conceptualize possible scenarios where a large liability loss would occur. </span></p>
<p><span>To help shed some light on this, we dove into a claim situation that recently occurred in Maryland with a condo association which illustrates how quickly a lawsuit can add up</span><span>. Let's take a closer look at what happened beginning with some of the risks an association may face and determining who is liable.</span><span></span><span></span></p>
<hr/>
<h4 style="text-align: center;">What is the risk for a condo or homeowners association?</h4>
<h4><img alt="Condominium" height="auto" src="https://www.tomia247.com/media/uploads/blog/istock-175767618.jpg" style="display: block; margin-left: auto; margin-right: auto;" width="25%"/></h4>
<p style="text-align: left;"><span>An increased number of condo associations are finding that they have inadequate limits and the potential results of not having adequate coverage. A large percentage of condo communities have holding ponds and or lakes, pools, and playgrounds. While these are attractive and desired amenities, they create the opportunity for additional risk, injury and/or death. Accidents in the common areas of a condominium or home association are a common liability concern for the association and individual owners. This means that the maintenance of these common areas should be a top priority along with other potential security risks. When a loss does occur and lawsuits are filed, they can become a very complicated issue because it relates to a variety of factors. </span></p>
<hr/>
<h4 style="text-align: center;">When is the association liable?</h4>
<p style="text-align: center;">Check out this short video from U.S. Risk about personal injuries on community association property. </p>
<p style="text-align: center;"><iframe allow="accelerometer; autoplay; clipboard-write; encrypted-media; gyroscope; picture-in-picture" allowfullscreen="allowfullscreen" frameborder="0" height="315" src="https://www.youtube.com/embed/7GoI0ZFMIGQ" title="YouTube video player" width="560"></iframe></p>
<hr/>
<h4 style="text-align: center;">What led to the lawsuit?</h4>
<h4><img alt="Child Playground Swing Set" height="auto" src="https://www.tomia247.com/media/uploads/blog/boy-691129_640.jpg" style="display: block; margin-left: auto; margin-right: auto;" width="25%"/></h4>
<p style="text-align: left;"><span>A condo association had about 80 units and provided a small playground with a swing set for owners and visitors. The swing set had recently been repaired by one of the unit owners. A young man was using the swing when the metal attachment came loose and struck him on the head. The injury resulted in a serious closed head injury. The young man is having to learn to speak and walk again. His medical bills for 10 days in ICU were in excess of $300,000. </span></p>
<hr/>
<h4 style="text-align: center;">What was the judgement and how did the liability insurance respond?</h4>
<h4><img alt="Lawsuit Judgement" height="auto" src="https://www.tomia247.com/media/uploads/blog/istock-1131313549.jpg" style="display: block; margin-left: auto; margin-right: auto;" width="25%"/></h4>
<p></p>
<p style="text-align: left;"><span>Due to the injuries that occurred and the long road ahead for him, the plaintiff obtained a judgment of $7.2 million! The condo association only had $1 million in coverage on their General Liability policy. Since the condo association did not have adequate limits or assets to cover these damages, the plaintiff's attorney placed a lien on every unit owner's property for their percentage of the judgment. The condo unit owners brought suit against the board under their Directors and Officers coverage for their failure to obtain adequate insurance to properly protect the unit owners from an excess loss. The D & O coverage was also only $1 million in coverage in coverage as well. Unfortunately, condo unit owners were held responsible for the remaining $5,200,000! </span><span></span></p>
<p style="text-align: left;"><span>In today’s environment, $1 million of liability coverage is dangerously low and creates a danger to Board of Directors as well as each individual unit owner. Cases with near drownings, closed head injuries involving brain swelling, and death occur weekly across our country -- many occur at holding ponds, lakes, pools and playgrounds within homeowner associations. </span></p>
<hr/>
<h4 style="text-align: center;">How much liability insurance should be purchased?</h4>
<p style="text-align: center;"><img alt="Liability Insurance Coverage Limits" height="auto" src="https://www.tomia247.com/media/uploads/blog/istock-1179535440.jpg" width="25%"/></p>
<p style="text-align: center;">While the example here arose out of a condo homeowners association loss, <b>the risk exists for <u>ALL</u> homeowner associations. </b>Therefore, any and all homeowner associations need to take a very close look at what exposures they have and then take a look at their insurance limits. </p>
<p style="text-align: center;"><span><img alt="Insurance Coverage Limits" height="auto" src="https://www.tomia247.com/media/uploads/Stock%20Images/istock-815303210.jpg" width="25%"/></span></p>
<p style="text-align: center;"><span>Of course, money cannot repair or replace a life - it is a necessary component to assist with the ongoing costs of living following a horrific accident like this. So, you're probably wondering "how much liability insurance is enough?"</span></p>
<p style="text-align: center;"><span class="largeText"><strong>The answer:</strong></span></p>
<p style="text-align: center;"><span class="textRed largeText" style="text-decoration: underline;"><strong>As much as you can afford...and more! </strong></span></p>
<p style="text-align: center;"><span>While we cannot tell you how much is enough, we are confident in the statement that in no case is $1 million enough general liability coverage in today's litigious environment.</span></p>
<hr/>
<h5 style="text-align: center;">For more risk management guidance or questions about your policy's coverage limits, <a href="https://www.tomia247.com/about/contact-us/" rel="noopener" target="_blank" title="Contact Us">contact us today.</a></h5>
<p><img alt="Contact Us" height="auto" src="https://www.tomia247.com/media/uploads/icons-and-logos/istock-609801866.jpg" style="display: block; margin-left: auto; margin-right: auto;" width="50%"/></p>
<hr/>
<h2><span>More Industry News</span></h2>
<p><span>Want to stay up to date on the latest community and insurance news? You can find more on important topics on<a href="https://www.tomia247.com/blog/" rel="noopener" target="_blank" title="TOMIA Blog"> </a></span><a href="https://www.tomia247.com/blog/" rel="noopener" target="_blank" title="TOMIA Blog"><span>our blog</span><span>.</span></a></p>
<p><strong>About Top O' Michigan Insurance Solutions:</strong></p>
<p>At Top O’ Michigan Insurance Solutions, we pride ourselves on using our skills to provide clients with competitive pricing, stability and understanding, and peace of mind. With eight locations throughout Michigan and 24/7 client access, our team is your 'expert buyer' of insurance for home, auto, farm, boat, motorcycle, business owners, workers compensation, bonds, life and health, employee benefits and more.</p>
<p>We will provide unparalleled and caring service to our clients through our knowledgeable staff and give back to our employees, agency, industry and our communities. Part of our mission is to give back to the Michigan communities we serve. This is something we take action on through We Care and you can learn more about our community outreach at <a href="https://www.tomia247.com/about/community-involvement/" rel="noopener" target="_blank" title="TOMIA247.com/WeCare">TOMIA247.com/WeCare</a>.</p>
<h6><strong>National Resources, Locally Sourced.</strong></h6>
<hr/>
<p><i><span>Disclaimer: </span></i><span><em class="x-el x-el-span c2-9 c2-a c2-3g c2-s c2-o c2-3i c2-3j c2-3">This Blog/Web Site does not provide insurance or legal advice. This site is for educational purposes only as well as to provide you with general information and a general understanding of insurance, not to provide specific legal advice or specific contract advice. Viewing this site, receipt of information contained on this site, or the transmission of information from or to this site does not constitute a client relationship. </em></span></p>
<p><span><em class="x-el x-el-span c2-9 c2-a c2-3g c2-s c2-o c2-3i c2-3j c2-3">The information on this Blog/Web Site is not intended to be a substitute for professional insurance or legal advice. Always seek the advice of a licensed agent in your state pertaining to insurance and legal issues.</em></span></p>
<p><span>Author: Tyler Bartosh</span></p>
<p><span>Sources: <a href="https://centralinsurance1876.wpcomstaging.com/2020/12/10/condominium-association-risk-management-suggestions/" rel="noopener" target="_blank">Central Insurance Companies;</a> <a href="https://www.usrisk.com/2019/04/personal-injuries-on-community-association-property-when-is-the-association-liable/" rel="noopener" target="_blank">US Risk;</a> <a href="https://keystoneinsgrp.com/" rel="noopener" target="_blank">Ralph Sitterson of Keystone</a></span></p>What to do in the Event of a Claim2021-08-04T11:35:01+00:002024-03-29T11:26:32+00:00Tyler Bartoshhttps://tomia247.com/blog/author/TBartosh/https://tomia247.com/blog/what-to-do-in-the-event-of-a-claim/<p>Experiencing a loss to your property or worse yet, bodily injury or death is a very stressful time. It may be difficult to know what your next steps are after making sure everyone involved is okay or being treated by emergency responders. Here are a few tips to help guide you through a loss and claim process whether it is to property, auto, employees (Workers Compensation) or a liability claim.</p>
<table style="width: 100%; border-collapse: collapse; height: 1167px;">
<tbody>
<tr style="height: 635px;">
<td style="width: 50%; height: 635px;">
<h5 style="text-align: center;"><strong>Property Insurance Claims</strong></h5>
<p style="text-align: left;"><strong>In the event of damage to your building or contents, follow these steps:</strong></p>
<ol style="text-align: left;">
<li>Protect the property from further damage and call the proper authorities and utilities (e.g., gas, electric, telephone).</li>
<li>Take photos of the damage before having emergency repairs made, such as boarding up windows or covering holes in the roof.</li>
<li>Call Top O' Michigan Insurance to report the loss.</li>
<li>Call a contractor to estimate the building damages.</li>
<li>Separate damaged contents from undamaged contents. Do not discard any items until the claims adjuster gives you the authority to do so.</li>
<li>Keep records of expenses if you are forced to temporarily relocate.</li>
<li>Do not authorize repairs until the claims adjuster has given you the authority to do so.</li>
</ol>
<p><strong></strong></p>
</td>
<td style="width: 50%; text-align: center; height: 635px;"><img alt="Homeowner Storm Damage Claim" height="auto" src="https://www.tomia247.com/media/uploads/Stock%20Images/claim_-_house.jpg" width="75%"/></td>
</tr>
<tr style="height: 25px;">
<td style="width: 50%; height: 25px;">
<p style="text-align: justify;"><strong>After we report the claim to the insurance company, the claims adjuster will do the following:</strong></p>
<p style="text-align: justify;"><strong></strong></p>
<ol>
<li style="text-align: left;">Contact you by phone, email, or mail to discuss the loss.</li>
<li style="text-align: left;">Arrange for an appraiser to inspect extensively damaged property.</li>
<li style="text-align: left;">Assist you with your choice of contractors to make the repairs.</li>
<li style="text-align: left;">Coordinate alternative living or business expenses.</li>
<li style="text-align: left;">Be available for questions or to discuss ongoing expenses associated with the claim.</li>
<li style="text-align: left;">Contact you for a settlement.</li>
</ol>
</td>
<td style="width: 50%; height: 25px; text-align: center;"><img alt="insurance claim estimate" height="auto" src="https://www.tomia247.com/media/uploads/Stock%20Images/istock-1151147823.jpg" width="75%"/></td>
</tr>
<tr style="height: 382px; text-align: center;">
<td style="width: 50%; text-align: center; height: 382px;">
<h5 style="text-align: center;"><strong>Auto Insurance Claims</strong></h5>
<p style="text-align: left;"><strong>In</strong><strong> the event of an automobile accident, follow these steps:</strong></p>
<ol style="text-align: left;">
<li>Report the accident to the police.</li>
<li>Obtain information about the other people involved in the accident such as the following:
<ul>
<li>Names, addresses and phone numbers</li>
<li>Insurance company</li>
<li>Type of vehicle</li>
<li>Auto and driver’s license numbers</li>
</ul>
</li>
<li>Have your vehicle towed to the nearest repair shop if the vehicle is not drivable. Do not authorize repairs until the claims adjuster gives you the authority to do so.</li>
<li>Call us to report the accident.</li>
</ol>
<p style="text-align: left;"><strong>In the event of a windshield, vandalism or theft loss, follow these steps:</strong></p>
<ol>
<li style="text-align: left;">Report the vandalism loss or theft to the police.</li>
<li style="text-align: left;">Call us to report a loss.</li>
</ol>
</td>
<td style="width: 50%; height: 382px;">
<p><img alt="Auto Accident Insurance Claim" height="auto" src="https://www.tomia247.com/media/uploads/Stock%20Images/istock-1156652894.jpg" width="75%"/></p>
<p><img alt="Auto Insurance Claim Windshield Damage" height="auto" src="https://www.tomia247.com/media/uploads/Stock%20Images/claim_-_car_damage.jpg" width="75%"/></p>
</td>
</tr>
<tr style="height: 25px;">
<td style="width: 50%; height: 25px;">
<p style="text-align: left;"><strong>After we report the claim to the insurance company, the claims adjuster will do the following:</strong></p>
<ol style="text-align: left;">
<li>Contact you to request details of the accident and repair estimates.</li>
<li>Arrange for an appraiser to inspect the damages of vehicles that are not drivable or extensively damaged.</li>
<li>Coordinate with the auto repair shop and coordinate for rental reimbursement (if you have it).</li>
<li>Contact you for a settlement.</li>
<li>Deal directly with the others involved in the accident.</li>
</ol>
<p></p>
<p style="text-align: left;"><strong>You should not talk to others involved in the accident, but refer them to your claims adjuster.</strong></p>
</td>
<td style="width: 50%; height: 25px;">
<p><img alt="auto insurance claim estimate" height="auto" src="https://www.tomia247.com/media/uploads/Stock%20Images/istock-613790168.jpg" style="display: block; margin-left: auto; margin-right: auto;" width="75%"/></p>
<p><img alt="Auto Repair Mechanic" height="auto" src="https://www.tomia247.com/media/uploads/Icons%20and%20Logos/istock-1157319426.jpg" style="display: block; margin-left: auto; margin-right: auto;" width="75%"/></p>
</td>
</tr>
<tr style="height: 25px;">
<td style="width: 50%; height: 25px;">
<h5 style="text-align: center;"><strong>Workers Compensation Claims</strong></h5>
<p style="text-align: left;"><strong>In the event an employee is injured on the job, follow these steps:</strong></p>
<ol>
<li style="text-align: left;">Complete the <a href="https://www.michigan.gov/documents/wca_WC-100__fillin_121830_7.pdf" rel="noopener" target="_blank" title="Employers Basic Report of Injury">Employer’s First Report of Injury (click here)</a> or Disease form for all claims. Either use the “call in” reporting system or fax the original form to the insurance company. Send a copy of this form to the State Department of Industry, Labor and Human Relations (refer to the First Report for the address).
<ul>
<li style="text-align: left;"><a href="https://www.tomia247.com/about/client-tools/osha-compliance-with-oshalogs/" rel="noopener" target="_blank"><strong>Consider enrolling in OSHA Logs to make this process a breeze</strong></a></li>
</ul>
</li>
<li style="text-align: left;">Forward a copy of the First Report to us in the event of a disabling injury or death claim. We will follow up with the insurance company for their prompt handling of the claim.</li>
<li style="text-align: left;">Contact the insurance company to question the status of a claim. If you experience delays or have questions, please contact us for assistance.</li>
</ol>
</td>
<td style="width: 50%; height: 25px;">
<p><img alt="Employee Workers Compensation Injury" height="auto" src="https://www.tomia247.com/media/uploads/Stock%20Images/workers_comp.jpg" style="display: block; margin-left: auto; margin-right: auto;" width="75%"/></p>
</td>
</tr>
<tr style="height: 25px;">
<td style="width: 50%; height: 25px;">
<p style="text-align: left;"><strong>A</strong><strong>fter you report the claim to the insurance company, the claims adjuster will do the following:</strong></p>
<ol style="text-align: left;">
<li>Contact the injured employee to discuss the accident.</li>
<li>Request copies of bills and doctors’ reports for medical treatment administered.</li>
<li>Contact you, the employer, if there is any lost time from work as a result of the injury.</li>
</ol>
</td>
<td style="width: 50%; height: 25px;"><img alt="Workers Compensation Injury Claim Form" height="auto" src="https://www.tomia247.com/media/uploads/Stock%20Images/istock-1276731907.jpg" style="display: block; margin-left: auto; margin-right: auto;" width="75%"/></td>
</tr>
<tr style="height: 382px; text-align: center;">
<td style="width: 50%; text-align: center; height: 382px;">
<h5 style="text-align: center;"><strong>Liability Insurance Claims</strong></h5>
<p style="text-align: left;"><strong>In the event of injuries or damage to property of others which you allegedly caused, follow these steps:</strong></p>
<ol>
<li style="text-align: left;">Call us to report the claim immediately.
<ul>
<li style="text-align: left;">Even if no action has taken place yet, it is best to notify your agent and insurance company of any possible claim.</li>
</ul>
</li>
<li style="text-align: left;">Forward any correspondence, including a summons from an attorney representing the other party.</li>
<li style="text-align: left;">Do not discuss the claim with the other party or their attorney. Refer them to your insurance company’s claims adjuster or to us.</li>
</ol>
</td>
<td style="width: 50%; height: 25px;"><img alt="Liability Bodily Injury Claim" height="auto" src="https://www.tomia247.com/media/uploads/Stock%20Images/istock-838902708.jpg" style="display: block; margin-left: auto; margin-right: auto;" width="75%"/></td>
</tr>
<tr style="height: 25px;">
<td style="width: 50%; height: 25px;">
<p style="text-align: left;"><strong>After we report the claim to the insurance company, the claims adjuster will:</strong></p>
<ol>
<li style="text-align: left;">Contact you to discuss the incident that allegedly caused the injury or damage to the property.</li>
<li style="text-align: left;">Deal directly with the other party and/or attorney to handle the claim.</li>
</ol>
</td>
<td style="width: 50%; height: 25px;"><img alt="" height="auto" src="https://www.tomia247.com/media/uploads/Stock%20Images/istock-1179535440.jpg" style="display: block; margin-left: auto; margin-right: auto;" width="75%"/></td>
</tr>
</tbody>
</table>
<hr/>
<h5 style="text-align: center;"></h5>
<p class="content__segment combx meterwall__content">The insurance claim process can be difficult and complex with so many elements involved. Even if you are mindful and diligent, it can be easy to overlook some of the important details that impact the management and overall success of your claim. Be sure to watch out for potential <span class="textRed"><strong>red flags</strong> </span>throughout the process including:</p>
<ul>
<li class="content__segment combx meterwall__content"><span class="textRed">Slow response time from the insurance company (within reason following major weather events).</span></li>
<li class="content__segment combx meterwall__content"><span class="textRed">Requesting an examination under oath. Speak with your agent before making any statement or if you have concern.</span></li>
<li class="content__segment combx meterwall__content"><span class="textRed">You are required to use a "preferred vendor". </span>While you are not required to use the vendors that are recommended to you by your insurance company, it can make the process much easier and be completed ahead of schedule. However, you have the final say and should do your own research before hiring any vendors. </li>
</ul>
<p class="content__segment combx meterwall__content">Ultimately, you want to be sure that the premium dollars you've paid will respond how they should under the contract of the insurance policy. If you have any questions along the way, you should contact your agent for guidance and have honest, pen communication with the claims adjuster.</p>
<hr/>
<h4>A Note to Our Clients</h4>
<p>The Top O' Michigan Insurance team is here to serve you. This service includes assisting you in the event of a claim. If a loss occurs, please follow the steps highlighted in this guide.</p>
<p>Your insurance contract requires that you report all claims promptly. Therefore, contact us as soon as possible after a property, liability, workers’ compensation or automobile claim. We will report your claim to the insurance company. An insurance company claims adjuster will be assigned to handle your claim. You should then be able to deal directly with the adjuster to settle your claim.</p>
<p>We also work directly with our claims department to analyze the policy language to find coverage when it should apply. So don't assume a claim denial or a lesser payment is automatically correct. If you encounter any unusual delays or problems in the handling of your claim, please contact us at 800-686-8664 or <a href="mailto:ClientService@TOMIA247.com">ClientService@TOMIA247.com</a>.</p>
<p>We appreciate your business and are here to assist you.</p>
<h5 style="text-align: center;">For more personal risk management guidance or questions about your policy's coverage limits, <a href="https://www.tomia247.com/about/contact-us/" rel="noopener" target="_blank" title="Contact Us">contact us today.</a></h5>
<p><img alt="Contact Us" height="auto" src="https://www.tomia247.com/media/uploads/Icons%20and%20Logos/istock-609801866.jpg" style="display: block; margin-left: auto; margin-right: auto;" width="50%"/></p>
<hr/>
<h2><span>More Industry News</span></h2>
<p><span>Want to stay up to date on the latest community and insurance news? You can find more on important topics on<a href="https://www.tomia247.com/blog/" rel="noopener" target="_blank" title="TOMIA Blog"> </a></span><a href="https://www.tomia247.com/blog/" rel="noopener" target="_blank" title="TOMIA Blog"><span>our blog</span><span>.</span></a></p>
<p><strong>About Top O' Michigan Insurance Solutions:</strong></p>
<p>At Top O’ Michigan Insurance Solutions, we pride ourselves on using our skills to provide clients with competitive pricing, stability and understanding, and peace of mind. With eight locations throughout Michigan and 24/7 client access, our team is your 'expert buyer' of insurance for home, auto, farm, boat, motorcycle, business owners, workers compensation, bonds, life and health, employee benefits and more.</p>
<p>We will provide unparalleled and caring service to our clients through our knowledgeable staff and give back to our employees, agency, industry and our communities. Part of our mission is to give back to the Michigan communities we serve. This is something we take action on through We Care and you can learn more about our community outreach at <a href="https://www.tomia247.com/about/community-involvement/" rel="noopener" target="_blank" title="TOMIA247.com/WeCare">TOMIA247.com/WeCare</a>.</p>
<h6><strong>National Resources, Locally Sourced.</strong></h6>
<hr/>
<p><i><span>Disclaimer: </span></i><span><em class="x-el x-el-span c2-9 c2-a c2-3g c2-s c2-o c2-3i c2-3j c2-3">This Blog/Web Site does not provide insurance or legal advice. This site is for educational purposes only as well as to provide you with general information and a general understanding of insurance, not to provide specific legal advice or specific contract advice. Viewing this site, receipt of information contained on this site, or the transmission of information from or to this site does not constitute a client relationship. </em></span></p>
<p><span><em class="x-el x-el-span c2-9 c2-a c2-3g c2-s c2-o c2-3i c2-3j c2-3">The information on this Blog/Web Site is not intended to be a substitute for professional insurance or legal advice. Always seek the advice of a licensed agent in your state pertaining to insurance and legal issues.</em></span></p>
<p><span>Author: Tyler Bartosh</span></p>
<p><span>Sources: <a href="https://www.bizjournals.com/atlanta/news/2021/06/24/5-red-flags-policyholders-should-watch-for.html?ref=insurancedailynews" rel="noopener" target="_blank">BizJournals.com;</a> <a href="https://www.adjustersinternational.com/wp-content/uploads/sites/2/2015/05/3038_Construction_Coverage.pdf" rel="noopener" target="_blank"> </a><a href="http://www.zywave.com">Zywave, Inc</a> </span></p>How Does the Increase in Cost of Construction Impact Your Insurance?2021-07-06T17:56:11+00:002024-03-29T11:28:18+00:00Tyler Bartoshhttps://tomia247.com/blog/author/TBartosh/https://tomia247.com/blog/how-does-the-increase-in-cost-of-construction-impact-your-insurance/<p><span>By now, you are most likely well aware of the rising costs of construction materials. These rising costs have been noted but many individuals and business owners may not be fully considering its implications on insurance policies. According to <a href="https://www.constructiondive.com/news/skyrocketing-steel-lumber-costs-threaten-to-slow-construction-jobs/594969/" rel="noopener" target="_blank">an Associated Builders and Contactors analysis,</a> lumber prices have risen by 73% since April of 2020. Lumber isn't the only construction material to have taken such drastic increases. Prices of both lumber, Iron/steel products have increased by as much as 20-25%. </span></p>
<p>Recent findings from the National Association of Home Builders (NAHB) confirmed that household construction costs have surged over the past year. This rise in construction costs is directly tied to soaring building material expenses—namely, the price of lumber. According to the NAHB, current lumber costs are up 340% from 2020. What’s more, lumber prices have already risen by an additional 67% since the beginning of 2021.</p>
<p>There are several reasons for these higher expenses. Specifically, both the COVID-19 pandemic and the presence of historically low interest rates have contributed to a rise in home purchases and renovation projects—thus elevating the demand for building materials. Nevertheless, this increase in demand has been met with supply shortages throughout the construction industry. In the midst of greater demand and lower supply, building material prices have subsequently soared. However, we may be moving in the right direction as inventory shortages begin to ease and seeing some reduction in lumber prices over the last few weeks. At any rate, these fluctuations have a major impact on your property and insurance valuations.</p>
<hr/>
<h2 style="text-align: center;">The Impact on Insurance</h2>
<p>Unfortunately, this surge in costs could pose coverage consequences for policyholders across the country. After all, increased building material and construction prices could lead to higher property insurance claim expenses, seeing as it would currently cost more to repair or rebuild a home following a loss.</p>
<p>As a result, policyholders could discover that their existing policy limits and coverage features no longer offer adequate protection—leaving them financially vulnerable in the event of a loss.</p>
<p>Further, insurance carriers may increase policyholders’ premium costs to account for the risk of elevated claim expenses. Coverage limits must rise in order to provide full recovery on a property loss needing significant repairs or a complete rebuild after a loss. </p>
<p>In light of these ongoing cost concerns, it’s important for policyholders like you to respond accordingly. As such, consider taking the following measures:</p>
<table border="0" style="height: 164px; width: 100%; border-collapse: collapse; border-style: none;">
<tbody>
<tr style="height: 86px;">
<td style="width: 50%; height: 86px;">
<ul>
<li><strong>Review your policy.</strong> Be sure you fully understand your insurance policy. Take note of whether you have replacement cost coverage (which can offer compensation for the cost of replacing or rebuilding as new) or actual cash value coverage (which can offer compensation for the depreciated value). Ensure your policy provides a correct replacement cost or overall value for your property.
<ul></ul>
</li>
</ul>
</td>
<td style="width: 50%; height: 86px;"><img alt="Insurance Policy Review" height="auto" src="https://www.tomia247.com/media/uploads/Stock%20Images/insurance_policy.jpg" width="100%"/></td>
</tr>
<tr style="height: 25px;">
<td style="width: 50%; height: 25px;">
<ul>
<li><strong>Consider coverage adjustments. </strong>Consult a trusted insurance professional to help you determine whether you need to adjust your policy to have sufficient coverage in the event of a loss. This may entail changing your policy’s valuation method, increasing your current limits, obtaining specialized coverage or implementing a policy endorsement.</li>
<li>You may also obtain coverage for increased cost of construction by endorsements such as:
<ul>
<li><strong>Ordinance or Law Coverage</strong> - . It provides coverage not only for increased costs of construction (Coverage C), but also for losses associated with undamaged portions of the building (Coverage A) — as well as for demolition costs (Coverage B). </li>
<li><strong>Inflation Guard</strong> - This coverage endorsement is available from certain companies and can account for the cost of inflation by automatically providing a percentage increase (typically 2% - 8%) over the policy period.</li>
<li><strong>Extended Replacement Cost and Guaranteed Replacement Cost</strong> - This is offered by several insurance companies to provide additional limits following a loss. Extended Replacement Cost is common on homeowners which increases your policy limit an additional 25% or 50%. Guaranteed Replacement Cost is less common and generally more expensive. If your home is destroyed, this policy will pay whatever it costs to rebuild your house. </li>
</ul>
</li>
</ul>
</td>
<td style="width: 50%; height: 25px;">
<p><img alt="Insurance Coverage Limits" height="auto" src="https://www.tomia247.com/media/uploads/Stock%20Images/istock-815303210.jpg" width="100%"/></p>
<p><img alt="home construction" height="auto" src="https://www.tomia247.com/media/uploads/shutterstock_177486833.jpg" width="100%"/></p>
</td>
</tr>
<tr style="height: 25px;">
<td style="width: 50%; height: 25px;">
<ul>
<li><strong>Communicate with your insurance carrier. </strong>Lastly, make sure to inform your insurance carrier (and agent) whenever you conduct renovations or implement other improvements in your property (e.g., adding a new deck or remodeling the bathroom). Update your policy as needed.</li>
<li><strong>Consider working with a local builder.</strong> Are you unsure of where to begin, consider working with a builder to get an estimated rebuilding cost and share that data with your insurance agent to take the necessary steps to protect your property.</li>
</ul>
</td>
<td style="width: 50%; height: 25px;">
<p><img alt="Construction Estimate" height="auto" src="https://www.tomia247.com/media/uploads/Stock%20Images/istock-1151147823.jpg" width="100%"/></p>
</td>
</tr>
<tr style="height: 28px;">
<td style="width: 50%; height: 28px;">
<ul>
<li><strong>General Liability and Property Damage</strong> - One area that some insureds may overlook is the need for additional liability limits for property damage you become liable for. If you are working on someone else's property, the reasons remain the same but be sure to consider the reconstruction cost of your customers' building or homes first.
<ul>
<li>Example: Your crew is completing a remodel on a commercial building and accidentally cause an electrical fire resulting in a total loss to the building. The cost of reconstruction today exceeds the $1,000,000 General Liability limits on your policy. You can give yourself additional layers of liability coverage for bodily injury and property damage with an Umbrella policy.</li>
</ul>
</li>
</ul>
</td>
<td style="width: 50%; height: 28px;"><img alt="Electrician" height="auto" src="https://www.tomia247.com/media/uploads/Stock%20Images/istock-1060934614.jpg" width="100%"/></td>
</tr>
</tbody>
</table>
<p></p>
<h5 style="text-align: center;">For more personal risk management guidance or questions about your policy's coverage limits, <a href="https://www.tomia247.com/about/contact-us/" rel="noopener" target="_blank" title="Contact Us">contact us today.</a></h5>
<p><img alt="Contact Us" height="auto" src="https://www.tomia247.com/media/uploads/Icons%20and%20Logos/istock-609801866.jpg" style="display: block; margin-left: auto; margin-right: auto;" width="50%"/></p>
<hr/>
<h2><span>More Industry News</span></h2>
<p><span>Want to stay up to date on the latest community and insurance news? You can find more on important topics on<a href="https://www.tomia247.com/blog/" rel="noopener" target="_blank" title="TOMIA Blog"> </a></span><a href="https://www.tomia247.com/blog/" rel="noopener" target="_blank" title="TOMIA Blog"><span>our blog</span><span>.</span></a></p>
<p><strong>About Top O' Michigan Insurance Solutions:</strong></p>
<p>At Top O’ Michigan Insurance Solutions, we pride ourselves on using our skills to provide clients with competitive pricing, stability and understanding, and peace of mind. With eight locations throughout Michigan and 24/7 client access, our team is your 'expert buyer' of insurance for home, auto, farm, boat, motorcycle, business owners, workers compensation, bonds, life and health, employee benefits and more.</p>
<p>We will provide unparalleled and caring service to our clients through our knowledgeable staff and give back to our employees, agency, industry and our communities. Part of our mission is to give back to the Michigan communities we serve. This is something we take action on through We Care and you can learn more about our community outreach at <a href="https://www.tomia247.com/about/community-involvement/" rel="noopener" target="_blank" title="TOMIA247.com/WeCare">TOMIA247.com/WeCare</a>.</p>
<h6><strong>National Resources, Locally Sourced.</strong></h6>
<hr/>
<p><i><span>Disclaimer: </span></i><span><em class="x-el x-el-span c2-9 c2-a c2-3g c2-s c2-o c2-3i c2-3j c2-3">This Blog/Web Site does not provide insurance or legal advice. This site is for educational purposes only as well as to provide you with general information and a general understanding of insurance, not to provide specific legal advice or specific contract advice. Viewing this site, receipt of information contained on this site, or the transmission of information from or to this site does not constitute a client relationship. </em></span></p>
<p><span><em class="x-el x-el-span c2-9 c2-a c2-3g c2-s c2-o c2-3i c2-3j c2-3">The information on this Blog/Web Site is not intended to be a substitute for professional insurance or legal advice. Always seek the advice of a licensed agent in your state pertaining to insurance and legal issues.</em></span></p>
<p><span>Author: Tyler Bartosh</span></p>
<p><span>Sources: <a href="https://www.businessinsider.com/lumber-prices-today-fall-eighth-week-inventory-shortages-demand-2021-7?amp" rel="noopener" target="_blank">Business Insider;</a> <a href="https://www.bizjournals.com/atlanta/news/2021/06/24/recent-increase-cost-of-construction.html?ref=insurancedailynews" rel="noopener" target="_blank">BizJournals.com;</a> <a href="https://www.constructiondive.com/news/skyrocketing-steel-lumber-costs-threaten-to-slow-construction-jobs/594969/" rel="noopener" target="_blank">ConstructionDive.com;</a> <a href="https://www.insurancebusinessmag.com/us/news/construction/higher-lumber-prices--what-impact-do-they-have-on-insurance-259704.aspx?utm_source=GA&utm_medium=20210702&utm_campaign=IBAW-Newsletter-20210702&utm_content=B69565D0-E130-42E7-9DF6-F7B17945DC19&tu=B69565D0-E130-42E7-9DF6-F7B17945DC19" rel="noopener" target="_blank">InsuranceBusinessMag.com;</a> <a href="https://eyeonhousing.org/2021/06/builders-report-26-percent-increase-in-material-prices/" rel="noopener" target="_blank">Nation Association of Home Builders; </a><a href="https://www.adjustersinternational.com/wp-content/uploads/sites/2/2015/05/3038_Construction_Coverage.pdf" rel="noopener" target="_blank">AdjustersInternational.com; </a><a href="http://www.zywave.com">Zywave, Inc</a> <a href="https://www.adjustersinternational.com/wp-content/uploads/sites/2/2015/05/3038_Construction_Coverage.pdf" rel="noopener" target="_blank"></a></span></p>Are You Prepared for an Active Shooter Incident?2021-06-09T12:49:01+00:002024-03-29T11:27:24+00:00Tyler Bartoshhttps://tomia247.com/blog/author/TBartosh/https://tomia247.com/blog/are-you-prepared-for-an-active-shooter-incident/<p><span>Recently, I was invited to an <a href="https://en.wikipedia.org/wiki/Active_shooter_training" rel="noopener" target="_blank">'Active Shooter' training</a> with <a href="http://www.ironfishdistillery.com" rel="noopener" target="_blank" title="Iron Fish Distillery"><span style="text-decoration: underline;"><strong>Iron Fish Distillery </strong></span></a> led by Deputy Michael Makowski of <a href="https://www.gtcountymi.gov/2213/Sheriff" rel="noopener" target="_blank">Grand Traverse County Sheriff's Office</a>. You may be wondering, 'why would we be doing active shooter training in Northern Michigan?'. Active shooter risk is a very unfortunate reality in America which has led many businesses to prepare their teams for crisis management and response. This is great way to introduce this growing risk to businesses, how they can prepare for it and protection for the response to an active shooter event. </span></p>
<h4>What is an Active Shooter Event?</h4>
<p><a href="https://www.thehartford.com/business-income-insurance" rel="noopener" target="_blank" title="Business Income"></a>U.S. Homeland Security defines an active shooter as "an individual actively engaged in killing or attempting to kill people in a confined and populated area; in most cases, active shooters use firearm(s) and there is no pattern or method to their selection of victims." Because active shooter situations are often over within 10 to 15 minutes—before law enforcement arrives on the scene—individuals must be prepared both mentally and physically to respond to an active shooter situation.</p>
<p>Even if the company is able to resume its operations after an active shooter incident, recovery can take an extensive amount of time. To recover from a shooting, organizations should make continuity planning, personnel issues and communication strategies top priorities. In this guide, we’ll share recommendations from experts about what organizations can do to prepare for and recover from an active shooter incident.</p>
<hr/>
<h4 style="text-align: center;">Training Your Staff for an Active Shooter Situation</h4>
<p>Active shooter incidents are often unpredictable and evolve quickly. Anyone can play an integral role in the midst of the chaos to mitigate the impacts and limit the loss of life. To best prepare your staff for an active shooter situation, you can begin by creating an Emergency Action Plan (EAP) and conduct training exercises with your team.</p>
<table border="1" style="border-collapse: collapse; width: 100%;">
<tbody>
<tr>
<td style="width: 50%;">
<h5 style="text-align: center;"><strong>Components of an Emergency Action Plan (EAP)</strong></h5>
<p>When creating an EAP, it is important to do so with input from several key stakeholders. These individuals should include (but not limited to) owners, managers, your HR department, and local emergency responders. An effective EAP includes the following:</p>
<ul>
<li><strong>A preferred method for reporting fires and other emergencies</strong></li>
<li><strong>An evacuation policy and procedure</strong></li>
<li><strong>Emergency escape procedures and route assignments (e.g., floor plans or safe areas)</strong></li>
<li><strong>Contact information for, and responsibilities of, individuals to be contacted under the EAP</strong></li>
<li><strong>Information concerning local area hospitals (e.g., the name, telephone number and distance from your location)</strong></li>
<li><strong>An emergency notification system to alert various parties of an emergency including the following:</strong>
<ul>
<li><strong>Individuals at remote locations within the premises</strong></li>
<li><strong>Local law enforcement</strong></li>
<li><strong>Local area hospitals</strong></li>
</ul>
</li>
</ul>
</td>
<td style="width: 50%;">
<h5 style="text-align: center;"><strong>Components of Training Exercises</strong></h5>
<p>The most effective way to train your staff to respond to an active shooter situation is to conduct mock active shooter training exercises. Local law enforcement is an excellent resource in designing training exercises. Training components may include the following: <strong></strong></p>
<ul>
<li><strong>Recognizing the sound of gunshots</strong></li>
<li><strong>Reacting quickly when gunshots are heard and/or when a shooting is witnessed:</strong></li>
<ul>
<li><strong>Evacuating the area</strong></li>
<li><strong>Hiding out</strong></li>
<li><strong>Acting against the shooter as a last resort</strong></li>
</ul>
<li><strong>Calling 911</strong></li>
<li><strong>Reacting when law enforcement arrives</strong></li>
<li><strong>Adopting the survival mindset during times of crisis</strong></li>
</ul>
<p></p>
</td>
</tr>
</tbody>
</table>
<hr/>
<h4 style="text-align: center;">Preparing For and Managing an Active Shooter Situation</h4>
<p><span class="photoRight"><img alt="Evacuation Plan" caption="false" height="Auto" src="https://www.tomia247.com/media/uploads/blog/istock-469156268.jpg" style="border-style: groove; border-width: 2px;" width="60%"/></span></p>
<p>The key stakeholders you've chosen to spearhead the EAP and training should be engaged in all planning for emergency situations, including workplace violence or an active shooter. This planning for emergency situations will help to mitigate the likelihood of an incident by establishing the mechanisms described below:</p>
<ul>
<li><span class="textRed"><strong>Ensure your facility has at least two evacuation routes.</strong></span></li>
<li><span class="textRed"><strong>Post evacuation routes in conspicuous locations throughout your facility.</strong></span></li>
<li><span class="textRed"><strong>Include local law enforcement and first responders during training exercises.</strong></span></li>
<li><span class="textRed"><strong>Encourage law enforcement, emergency responders, SWAT teams, K-9 teams and bomb squads to train for an active shooter scenario at your location.</strong></span></li>
</ul>
<table border="1" style="border-collapse: collapse; width: 100%;">
<tbody>
<tr>
<td style="width: 50%;">
<h5 style="text-align: center;"><strong></strong></h5>
<h5 style="text-align: center;"><strong>Human Resources' Responsibilities</strong></h5>
<p>The following are responsibilities of HR professionals:</p>
<ul>
<li><strong>Conduct effective employee screening and background checks.</strong></li>
<li><strong>Create a system for reporting signs of potentially violent behavior.</strong></li>
<li><strong>Make counseling services available to employees.</strong></li>
<li><strong>Develop an EAP which includes policies and procedures for dealing with an active shooter situation, as well as after action planning.</strong></li>
<li><strong>Make counseling services available to employees.</strong></li>
<li><strong>Develop an EAP which includes policies and procedures for dealing with an active shooter situation, as well as after action planning.</strong></li>
</ul>
</td>
<td style="width: 50%;">
<h5 style="text-align: center;"><strong></strong></h5>
<h5 style="text-align: center;"><strong>Facility Manager Responsibilities</strong></h5>
<p>The following are responsibilities of facility mangers:</p>
<ul>
<li><strong>Institute access controls (e.g., keys and security system passcodes).</strong></li>
<li><strong>Distribute critical items to appropriate managers and employees, including floor plans, keys, facility personnel lists and telephone numbers</strong></li>
<li><strong>Coordinate with the facility’s security department to ensure the physical security of the location.</strong></li>
<li><strong>Assemble crisis kits containing radios, floor plans, staff roster and emergency contact numbers, First-aid kits, flashlights</strong></li>
<li><strong>Place removable floor plans near entrances and exits for emergency responders.</strong></li>
<li><strong>Activate the emergency notification system (if available) when an emergency situation occurs.</strong></li>
</ul>
<ul></ul>
</td>
</tr>
</tbody>
</table>
<hr/>
<h4></h4>
<table border="1" style="border-collapse: collapse; width: 100%;">
<tbody>
<tr>
<td style="width: 50%;">
<h5 style="text-align: center;"><strong>How to Respond When an Active Shooter is in Your Vicinity</strong></h5>
<p><strong>Quickly determine the most reasonable way to protect your own life. Remember that customers and clients are likely to follow the lead of employees and managers during an active shooter situation.</strong></p>
<ul>
<li>Be aware of your environment and any possible dangers.</li>
<li>Take note of the two nearest exits in any facility you visit.</li>
<li>If you are in an office, stay there and secure the door.</li>
<li>If you are in a hallway, get into a room and secure the door.</li>
<li>As a last resort, attempt to take the active shooter down. When the shooter is at close range and you cannot flee, your chance of survival is much greater if you try to incapacitate him or her.</li>
<li>Call 911 when it is safe to do so.</li>
</ul>
<hr/>
<h5>1. Evacuate</h5>
<p>If there is an accessible escape path, attempt to evacuate the premises:</p>
<ul>
<li><strong>Have an escape route and plan in mind.</strong></li>
<li><strong>Evacuate regardless of whether others agree to follow.</strong></li>
<li><strong>Leave your belongings behind.</strong></li>
<li><strong>Help others escape, if possible.</strong></li>
<li><strong>Prevent individuals from entering an area where the active shooter may be.</strong></li>
<li><strong>Keep your hands visible so the shooter does not see you as an immediate threat.</strong></li>
<li><strong>Follow the instructions of any police officers.</strong></li>
<li><strong>Do not attempt to move wounded people.</strong></li>
<li><strong>Call 911 when you are safe.</strong></li>
</ul>
<h5>2. Hide Out</h5>
<p>If evacuation is not possible, find a place to hide where the active shooter is less likely to find you. Your hiding place should have the following characteristics:</p>
<ul>
<li><strong>Be out of the active shooter’s view</strong></li>
<li><strong>Provide protection if shots are fired in your direction (e.g., an office with a closed and locked door)</strong></li>
<li><strong>Not trap you or restrict your options for movement</strong></li>
</ul>
<p>You should also take some basic steps to prevent a shooter from noticing your presence or entering your hiding place:</p>
<ul>
<li><strong>Lock any doors, if possible.</strong></li>
<li><strong>Blockade the door with heavy furniture.</strong></li>
</ul>
<h5>3. Take action against the active shooter</h5>
<p>As a last resort, and only when your life is in imminent danger, attempt to disrupt and/or incapacitate the active shooter by doing the following:</p>
<ul>
<li><strong>Acting as aggressively as possible against him or her</strong></li>
<li><strong>Throwing items and improvising weapons</strong></li>
<li><strong>Yelling</strong></li>
<li><strong>Committing to your actions</strong></li>
</ul>
</td>
<td style="width: 50%;">
<h5 style="text-align: center;"><strong>How to Respond When Law Enforcement Arrives</strong></h5>
<p>Law enforcement’s purpose is to stop the active shooter as soon as possible. Officers will proceed directly to the area in which the last shots were heard:</p>
<ul>
<li><strong>Officers usually arrive in teams of four.</strong></li>
<li><strong>Officers may wear regular patrol uniforms or external bulletproof vests, Kevlar helmets and other tactical equipment.</strong></li>
<li><strong>Officers may be armed with rifles, shotguns or handguns.</strong></li>
<li><strong>Officers may use pepper spray or tear gas to control the situation.</strong></li>
<li><strong>Officers may shout commands and may push individuals to the ground for their safety.</strong></li>
</ul>
<p>When law enforcement arrives, do the following:</p>
<ul>
<li><span class="textRed"><strong>Remain calm, and follow officers’ instructions.</strong></span></li>
<li><span class="textRed"><strong>Put down any items in your hands (e.g., bags or jackets).</strong></span></li>
<li><span class="textRed"><strong>Immediately raise your hands and spread your fingers.</strong></span></li>
<li><span class="textRed"><strong>Keep your hands visible at all times.</strong></span></li>
<li><span class="textRed"><strong>Avoid making quick movements toward officers, such as holding on to them for safety.</strong></span></li>
<li><span class="textRed"><strong>Avoid pointing, screaming or yelling.</strong></span></li>
<li><span class="textRed"><strong>Do not stop to ask officers for help or direction when evacuating, just proceed in the direction from which officers are entering the premises.</strong></span></li>
</ul>
<p>Provide the following information to law enforcement or the 911 operator:</p>
<ul>
<li><strong>Location of the active shooter</strong></li>
<li><strong>Number of shooters, if there is more than one</strong></li>
<li><strong>Physical description of the shooter(s)</strong></li>
<li><strong>Number and type of weapons held by the shooter(s)</strong></li>
<li><strong>Number of potential victims at the location</strong></li>
</ul>
<p>The first officers to arrive to the scene will not stop to help injured persons. Instead, expect rescue teams comprised of additional officers and emergency medical personnel to follow the initial officers. These rescue teams will treat and remove any injured persons. They may also call upon able-bodied individuals to assist in removing the wounded from the premises.</p>
<p>Once you have reached a safe location or an assembly point, you will likely be held in that area by law enforcement until the situation is under control and all witnesses have been identified and questioned. Do not leave until law enforcement authorities have instructed you to do so.</p>
<p><img alt="Law Enforcement" height="313" src="https://www.tomia247.com/media/uploads/blog/istock-1249400249.jpg" style="border-width: 5px; border-style: inset; display: block; margin-left: auto; margin-right: auto;" width="480"/></p>
<ul></ul>
</td>
</tr>
</tbody>
</table>
<hr/>
<h4>What Next?</h4>
<p><span>There is no easy way to put it, this is heavy stuff! However, you and your business can begin today by creating a plan and keeping some of these tips top of mind in the event of an active shooter or workplace violence situation. Gather up your key stakeholders and reach out to your local law enforcement to get started. Deputy Makowski along with other law enforcement are here to protect our communities. They encourage businesses and organizations to be proactive and prepared for all emergencies. For more articles and posters to safeguard your business, your employees and your customers, contact your partners at Top O' Michigan Insurance Solutions. </span></p>
<p><a href="https://www.tomia247.com/about/contact-us/" rel="noopener" target="_blank" title="Contact Us"><span><img alt="Contact Us" height="auto" src="https://www.tomia247.com/media/uploads/icons-and-logos/istock-609801866.jpg" style="border-style: inset; border-width: 4px; display: block; margin-left: auto; margin-right: auto;" width="55%"/></span></a></p>
<hr/>
<p><span><em class="x-el x-el-span c2-9 c2-a c2-3g c2-s c2-o c2-3i c2-3j c2-3">This Blog/Web Site does not provide insurance or legal advice. This site is for educational purposes only as well as to provide you with general information and a general understanding of insurance, not to provide specific legal advice or specific contract advice. Viewing this site, receipt of information contained on this site, or the transmission of information from or to this site does not constitute a client relationship. </em></span></p>
<p><span><em class="x-el x-el-span c2-9 c2-a c2-3g c2-s c2-o c2-3i c2-3j c2-3">The information on this Blog/Web Site is not intended to be a substitute for professional insurance or legal advice. Always seek the advice of a licensed agent in your state pertaining to insurance and legal issues.</em></span></p>
<p><span>Sources: <a href="http://www.zywave.com" rel="noopener" target="_blank" title="Broker Briefcase">Zywave</a>, <a href="https://en.wikipedia.org/wiki/Active_shooter_training" rel="noopener" target="_blank">Wikipedia</a>, <a href="https://www.insurancebusinessmag.com/us/guides/what-is-active-shooter-insurance-coverage-118961.aspx" rel="noopener" target="_blank">Insurance Business Magazine,</a> <a href="https://www.cisa.gov/private-citizen" rel="noopener" target="_blank">CyberSecurity & Infrastructure Security Agency</a></span></p>
<p>Provided by Top O' Michigan Insurance</p>
<p>This Risk Insights is not intended to be exhaustive nor should any discussion or opinions be construed as legal advice. Readers should contact legal counsel or an insurance professional for appropriate advice. © 2015 Zywave, Inc. All rights reserved.</p>Six Steps to Minimize Business Interruptions2021-03-22T17:20:22+00:002024-03-29T11:27:20+00:00Tyler Bartoshhttps://tomia247.com/blog/author/TBartosh/https://tomia247.com/blog/six-steps-to-minimize-business-interruptions/<p><span>According to the Federal Emergency Management Agency, 40 percent of businesses never reopen after a disaster. Implementing steps to prepare for and respond to disasters can help to reduce loss. In order to protect your business from unavoidable interruptions, it is recommended that you have a plan in place. </span></p>
<p><span>Having a plan in place serves the following purposes: </span></p>
<ul>
<li><span> </span><strong>To protect employees and personnel </strong></li>
<li><strong> To prevent environmental contamination</strong></li>
<li><strong> To protect revenue, assets and information</strong></li>
<li><strong> To prevent loss and to contain loss that occurs</strong></li>
<li><strong> To protect your reputation</strong></li>
</ul>
<hr/>
<h4><span>How to Minimize Business Interruptions</span></h4>
<p><span>Here are six steps you can take to help minimize business interruptions:</span></p>
<ol>
<li><span><strong> </strong></span><span><strong>Determine the Risk</strong></span></li>
</ol>
<p><span>When determining the potential risks for business interruptions, consider both environmental risks and human risks. Additionally, consider which risks are preventable and which are not. </span></p>
<p><span>Once the risks are identified, you can begin to understand all elements involved, such as the hazard itself, the assets at risk, vulnerability to the risk and the ultimate impact of the risk. In order to be best prepared, rank each risk according to the likelihood of occurrence and the severity of impact. </span></p>
<ol start="2">
<li><span><strong> </strong></span><span><strong>Calculating the Cost of Interruptions</strong></span></li>
</ol>
<p><span>After the risks have been ranked, analyze the impact of each risk. In calculating cost containment, the following should be considered:</span></p>
<ul>
<li><span> </span><span>Lost sales or income</span></li>
<li><span> </span><span>Increased expenses </span></li>
<li><span> </span><span>Regulatory fines or contractual penalties </span></li>
<li><span> </span><span>Delay of business</span></li>
</ul>
<ol start="3">
<li><span><strong> </strong></span><span><strong>Understand Your Insurance Coverage</strong></span></li>
</ol>
<p><span>The next step would be to review your insurance coverage. Business interruption insurance generally comes into effect in the case of one of three circumstances:</span></p>
<ul>
<li><span> </span><span>Physical damage to the premises that cause suspended operations;</span></li>
<li><span> </span><span>Damage to property that is covered by the insurance policy and prevents customers or employees from accessing the business; or</span></li>
<li><span> </span><span>The government closes an area due to property damage that is covered by the insurance policy and prevents the customers or employees from accessing the business.</span></li>
</ul>
<p><span>Since business interruption coverage can differ significantly, it is important to understand the policy terms, such as exclusions, coverage limits and waiting periods. Coverage is provided for lost net income only for the duration of regaining operation.</span></p>
<ol start="4">
<li><span><strong> </strong></span><span><strong>Implementing Steps for Prevention and Mitigation</strong></span></li>
</ol>
<p><span>There are three different approaches for controlling and containing potential hazards:</span></p>
<ul>
<li><span> </span><span>Prevention: This method identifies preventable hazards and implements steps to avoid occurrence of the hazards.</span></li>
<li><span> </span><span>Deterrence: This method identifies potential criminal activities that create business hazards. Steps are taken to prevent the criminal activities.</span></li>
<li><span> </span><span>Mitigation: This method identifies hazards that cannot be prevented. Steps are taken to control and contain the hazards in case of an occurrence. </span></li>
</ul>
<ol start="5">
<li><span><strong> </strong></span><span><strong>Create a Crisis Communication Plan</strong></span></li>
</ol>
<p><span>Create a crisis communication plan in order to provide employees and customers with updates and critical information. The communication plan should have the following:</span></p>
<ul>
<li><span> </span><span>Chain of command: A chain of command allows for information to be shared efficiently and ensures that all personnel receive information.</span></li>
<li><span> </span><span>Pre-scripted messages: Eliminate confusion by pre-scripting messages that will be shared with customers, employees and the public. </span></li>
<li><span> </span><span>Bi-directional communication network: Allow for communication to occur in multiple directions in order to efficiently pass information. </span></li>
</ul>
<ol start="6">
<li><span><strong> </strong></span><span><strong>Preparing an Emergency Plan</strong></span></li>
</ol>
<p><span>An emergency plan should be prepared and in place before a hazard occurs. The plan should be practiced and reviewed to ensure the effectiveness of the plan. The plan should include the following elements:</span></p>
<ul>
<li><span> </span><span>IT and data recovery: Implement a data backup program to protect and recover important and sensitive information. Create a technology policy that assists in preventing data leaks in the case of telecommuting employees.</span></li>
<li><span> </span><span>Contracts: Pre-arrange written contracts with other businesses and external suppliers in order to continue fulfilling commitments to customers. </span></li>
<li><span> </span><span>Resources: Prepare an inventory of resources that are essential to regaining the ability to operate as a business.</span></li>
<li><span> </span><span>Test: Run a test of the plan to ensure the plan’s success.</span></li>
</ul>
<hr/>
<h4>How do I calculate how much business income insurance is needed for my business?</h4>
<p><a href="https://www.thehartford.com/business-income-insurance" rel="noopener" target="_blank" title="Business Income">Business income insurance (aka business interruption coverage)</a>, helps cover lost income and additional expenses when your business is shut down from a covered loss. Let's take a look at what Business Income Insurance covers and how to calculate it. </p>
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<tbody>
<tr>
<td style="width: 50%;">
<p>Business income coverage helps cover:</p>
<ul>
<li><strong>Taxes.</strong><span> </span>For example, say your small business suffers damages that force you to temporarily close right before your tax payments are due. Your business income insurance can help cover the costs.</li>
<li><strong>Payroll.</strong><span> </span>For example, say you have five employees that need to get paid while your operation is temporarily shut down. Business income insurance can help cover these payroll costs.</li>
<li><strong>Utilities.</strong><span> </span>For example, say you need to pay for utilities for the next two months while your business is being repaired. However, you can’t open your operation until after the repairs are finished. Your business income insurance can step in and help pay for your utility bills.</li>
<li><strong>Lost profits.<span> </span></strong>For example, say your business suffers a major financial loss after being forced to shut down during the holiday season. Your business income insurance can help cover your lost income.</li>
<li><strong>Advertising</strong>. For example, say you owe advertising payments to the company that built your new advertising campaign. However, you recently had to close down your operation to repair damages. Your business income insurance can help cover these advertising costs until you are able to open your business up and make a profit again. Advertising costs may also arise if you must move your business’s location after enduring a covered loss.</li>
<li><strong>Mortgages or rent.</strong><span> </span>For example, say you rent the building your restaurant is located in. After a fire destroys parts of your restaurant, it needs to be rebuilt. This is expected to take weeks. Your business income insurance can help cover the costs associated.</li>
</ul>
</td>
<td style="width: 50%;">
<p>Now that you have a better idea of what is covered by business income insurance, you're probably wondering how to calculate your overall business income. <span>Calculating your business income starts with reporting your gross receipts or sales. This includes all items and services you sell at your business. For example, say you sell computer equipment. Every item you sell would be included in this starting calculation.</span></p>
<h6></h6>
<h6>To start your business income calculation, follow these steps:</h6>
<ol>
<li><strong>Calculate your total revenue.</strong></li>
<li><strong>Subtract your business’s expenses and operating costs from your total revenue. This calculates your business’s earnings before tax.</strong></li>
<li><strong>Deduct taxes from this amount to find you business’s net income. Your net income will be your business income.</strong></li>
</ol>
<p><strong>The equation for business income is: </strong><strong>Business Income = Revenue - Expenses</strong></p>
<p><strong><img alt="Calculate" src="https://www.tomia247.com/media/uploads/money-2212965_640.jpg" style="display: block; margin-left: auto; margin-right: auto;" width="20%"/></strong></p>
</td>
</tr>
</tbody>
</table>
<hr/>
<p><span>By taking these steps, it is possible to minimize potential hazards and to limit the impact of hazards. In order to be completely prepared, work with your risk management team or contact Top O' Michigan Insurance today for assistance reviewing and updating your emergency plan.</span></p>
<p><a href="https://www.tomia247.com/about/contact-us/" rel="noopener" target="_blank" title="Contact Us"><span><img alt="Contact Us" src="https://www.tomia247.com/media/uploads/icons/istock-609801866.jpg" width="75%"/></span></a></p>
<hr/>
<p><span><em class="x-el x-el-span c2-9 c2-a c2-3g c2-s c2-o c2-3i c2-3j c2-3">This Blog/Web Site does not provide insurance or legal advice. This site is for educational purposes only as well as to provide you with general information and a general understanding of insurance, not to provide specific legal advice or specific contract advice. Viewing this site, receipt of information contained on this site, or the transmission of information from or to this site does not constitute a client relationship. </em></span></p>
<p><span><em class="x-el x-el-span c2-9 c2-a c2-3g c2-s c2-o c2-3i c2-3j c2-3">The information on this Blog/Web Site is not intended to be a substitute for professional insurance or legal advice. Always seek the advice of a licensed agent in your state pertaining to insurance and legal issues.</em></span></p>
<p><span>Sources: <a href="http://www.zywave.com" rel="noopener" target="_blank" title="Broker Briefcase">Zywave</a>, <a href="https://www.thehartford.com/business-insurance/calculate-business-income-insurance" rel="noopener" target="_blank">The Hartford</a><a href="https://www.continuitycentral.com/index.php/news/business-continuity-news/4899-myth-busters-a-business-continuity-statistical-mystery-solved" rel="noopener" target="_blank"> </a></span></p>
<p>Provided by Top O' Michigan Insurance</p>
<p>This Risk Insights is not intended to be exhaustive nor should any discussion or opinions be construed as legal advice. Readers should contact legal counsel or an insurance professional for appropriate advice. © 2015 Zywave, Inc. All rights reserved.</p>Is My Business a Target for Social Engineering Fraud and Cyber Crime?2021-02-15T16:15:12+00:002024-03-29T11:27:36+00:00Tyler Bartoshhttps://tomia247.com/blog/author/TBartosh/https://tomia247.com/blog/types-of-social-engineering-fraud-and-cyber-crime-coverage/<p><strong><a href="https://www.irmi.com/term/insurance-definitions/social-engineering" rel="noopener" target="_blank" title="Social Engineering Definition">What is social engineering</a>?</strong> It is the <span>art of manipulating people in an online environment, encouraging them to divulge—in good faith—sensitive, personal information, such as account numbers, passwords, or banking information. Social engineering can also take the form of the "engineer" requesting the wire transfer of monies to what the victim believes is a financial institution or person, with whom the victim has a business relationship, only to later learn that such monies have landed in the account of the "engineer."</span></p>
<p><span></span>If you think that this type of scenario won't happen to your organization...think again. This type of fraud happens every day and is surprisingly successful. <a href="https://www.travelers.com/iw-documents/professional-liability-insurance/CP-8697-social-engineering-fraud.pdf" rel="noopener" target="_blank" title="Number of people impacted by social engineering"><strong>Over 100,000 people are impacted by social engineering attacks every day!</strong></a></p>
<hr/>
<h4 style="text-align: center;"><strong>What are some general social engineering attacks my business watch for?</strong></h4>
<table border="0" style="height: 100%; width: 100%; border-collapse: collapse; border-style: none;">
<tbody>
<tr>
<td style="width: 54.9705%;">
<p><strong></strong></p>
<ol>
<li>
<p><strong>Phishing - </strong>O<span>ne of the most common and well-known attack methods today. <a href="https://www.bbc.com/news/technology-52319093" rel="noopener" target="_blank" title="Google blocks coronavirus scam emails">Google is reportedly blocking 18 million coronavirus scam emails every day</a> and have registered a <a href="https://www.forbes.com/sites/simonchandler/2020/11/25/google-registers-record-two-million-phishing-websites-in-2020/?sh=77b330931662" rel="noopener" target="_blank" title="Blocked 2 million phishing websites">record 2 million phishing websites in 2020</a>. </span></p>
<ul>
<li>
<p><span>Phishing attacks can include telltale signs such as: <span style="text-decoration: underline;">s</span></span><span style="text-decoration: underline;"><span style="background-color: transparent;">cams associated with social media or text, the use of URL shorteners, fake file attachments, a subject line that create urgency or raise alarms, generic greetings and sign-off, and a suspicious sender's address.</span></span></p>
</li>
</ul>
</li>
<li><strong>Baiting - </strong>Although this is similar to phishing attacks in many ways, baiting has the promise of an item or good that is used to entice victims.
<ul>
<li><span style="text-decoration: underline;">For instance, cyber criminals may leverage the offer of free music downloads or other free content. </span></li>
</ul>
</li>
<li><strong>Quid Pro Quo - </strong>This is similar to baiting with the difference being the promise of a benefit in exchange for information. This about this as a service whereas baiting typically comes in the form of a good.
<ul>
<li><span style="text-decoration: underline;">An example of this would be setting up a fake website offering help to apply for new Social Security cards but end up stealing their personal information.</span></li>
</ul>
</li>
<li>
<p><strong>Pretexting - </strong>A form of social engineering created on a 'good pretext'. In other words, a fabricated scenario designed to steal victims' personal information. Phishing attacks are more dependent on the use of fear and urgency whereas pretexting attacks are more reliant on building trust with the victim and leaves little room for doubt.</p>
<ul>
<li>
<p><span style="text-decoration: underline;">Often times, these criminals will act as Human Resources personnel or other employees within the finance department. This allows them to more easily target other C-level executives in their scam.</span></p>
</li>
</ul>
</li>
<li><strong>Tailgating - </strong>Also known as "piggybacking", these types of attacks are done when someone without the proper clearance or authentication follows an authenticated employee into a restricted area.
<ul>
<li><span style="text-decoration: underline;">You may see these criminals impersonate a delivery driver waiting for access into the building by another employee. They rely on building some rapport with a lower-level employee and then use it to get past the front desk. </span></li>
</ul>
</li>
</ol>
</td>
<td style="width: 45.0295%;"><img alt="Phishing and Cyber Crime" src="https://www.tomia247.com/media/uploads/blog/phishing-3390518_640.jpg" width="175%"/></td>
</tr>
</tbody>
</table>
<hr/>
<h4 style="text-align: center;"><strong>Why do businesses need it?</strong></h4>
<table border="0" style="width: 100%; border-collapse: collapse;">
<tbody>
<tr>
<td style="width: 50%;">
<p></p>
<p>First off, any business that collects personal data faces substantial liability in the event of a breach. Plus, it is very important to note that most general liability insurance policies will not cover your business for the growing list of cyber exposures. Some may provide limited crime or cyber coverage but it is not the type of comprehensive coverage needed to manage a data breach and protect your assets.</p>
<p>Many business owners may think they're too small to be attacked or rely on an agreement with a third party vendor that promises PCI compliance. These benefits are great but here are a few other scenarios where the right <strong>Cyber Liability</strong> solution can protect your business.</p>
<p></p>
<p></p>
<p></p>
<p><img alt="" src="https://www.tomia247.com/media/uploads/blog/hacker-1944688_640_-_copy.jpg" width="150%"/></p>
<p></p>
<p></p>
<p></p>
<p></p>
</td>
<td style="width: 50%;">
<ol>
<li><strong>Employee Theft:</strong> Imagine on of your employees took photos of credit cards and CVV numbers so they can order things for themselves. Also, employees have been known to contain skimming machines that will copy the credit card data separately before they slide it for the credit card reader. In both of these cases, the vendor will not provide any protection as it wasn’t their systems that failed, it was the business owner's.</li>
<li><strong>Wifi Networks/Internet Systems Exposed: </strong>In this scenario, a hacker is inside the company’s network through WIFI or internet. They can see and duplicate anything happening on your network. So when the business sends data to the reader via internet, they are able to copy that as well. The vendor won’t provide protection as once again it was not their systems that failed, but rather the business.</li>
<li><strong>Cyber Extortion/Business Interruption: </strong> Much like the examples above, hackers are able to get inside the servers and hold the business inoperable. The vendor used for credit card payments is fine and up and running, but your business is unable to accept credit cards or your point of sales systems. The hacker then requests a <span style="text-decoration: underline;">ransom to re-open the systems</span> (<span style="text-decoration: underline;">which the cyber liability insurer will pay</span> if you have a policy in place) and also the insurer will reimburse for the <span style="text-decoration: underline;">amount of revenue they lost</span> during this duration.</li>
<li><strong>Your Credit Card Vendor is Hacked: </strong> The vendor promises PCI compliance, which is a great feature, but most likely does not extend any cyber insurance to you, the business. First, let’s imagine the vendor suffers a major breach. Why is this important?</li>
<ol>
<li>How much insurance does the vendor carry? Will it be enough to cover ALL of their clients and ALL of those exposed?</li>
<li>Your customers do not know anything about the vendor. If their information is compromised, are they filing claims against the business they trusted or a random company they know nothing about? Even if it is not the business's fault, a cyber liability policy will jump in to provide defense costs and financial loss.</li>
<li>The reputation of business is still left in bad shape even if it is not your fault. The community might not trust the business, the cyber insurance will kick in for Public Relations to respond and protect the brand of the business.</li>
<li>Finally, who’s decision was it to use this vendor? There could be potential Directors & Officers issues based on the company’s decision to choose a specific vendor and not have the proper background checks or security effectiveness as other vendors. </li>
</ol>
</ol>
</td>
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</table>
<p></p>
<hr/>
<ol></ol>
<h4 style="text-align: center;"><strong>How can I protect my business?</strong></h4>
<p>Unfortunately, malicious actors are preying off of human psychology to compromise their target and their information. It is very important for businesses to speak openly and often with their employees about signs and care of sensitive information. The best solution is a multipronged approach including <strong>training your employees</strong>, <strong>monitoring security policies</strong> in place and <span style="text-decoration: underline;"><strong>protecting</strong> </span>your business with a <strong>Cyber and Data Breach Liability policy.</strong></p>
<ol>
<li><strong>Don't open up any emails from untrusted sources.</strong></li>
<li><strong>Don't open or click any attachments or links from unknown sources.</strong></li>
<li><strong>Purchase and utilize anti-virus software.</strong></li>
<li><strong>Lock up your laptop and devices whenever you are away.</strong></li>
<li><strong>Do not give strangers the benefit of the doubt, especially if an offer seems too good to be true.</strong></li>
<li><strong>Work with your insurance agent that specializes in your industry as well as a cyber specialist. </strong></li>
</ol>
<p><span class="largeText">All in all, data is becoming increasingly more valuable every year and <a href="https://www.insurancebusinessmag.com/us/news/cyber/cyber-crime-tactics-evolve-during-covid19-pandemic-241933.aspx" rel="noopener" target="_blank" title="Cybercrime and the Pandemic">catastrophic events like the pandemic only amplify these tactics</a>. That is why <strong>Top O' Michigan Insurance Solutions</strong> has partnered with the top cyber and data liability experts to provide multiple solutions to businesses. <a href="https://www.tomia247.com/about/contact-us/" rel="noopener" target="_blank" title="Contact Us"><span style="text-decoration: underline;"><strong>Contact us today</strong> </span></a>to get your cyber liability solution back within 24 hours.</span></p>
<p><strong><span style="text-decoration: underline;"><img alt="Cyber Crime and Pandemic " src="https://www.tomia247.com/media/uploads/blog/cyber_liability_-_home_page_-_copy.jpg" style="display: block; margin-left: auto; margin-right: auto;" width="75%"/></span></strong></p>
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<p><span><em class="x-el x-el-span c2-9 c2-a c2-3g c2-s c2-o c2-3i c2-3j c2-3">This Blog/Web Site does not provide insurance or legal advice. This site is for educational purposes only as well as to provide you with general information and a general understanding of insurance, not to provide specific legal advice or specific contract advice. Viewing this site, receipt of information contained on this site, or the transmission of information from or to this site does not constitute a client relationship. </em></span></p>
<p><span><em class="x-el x-el-span c2-9 c2-a c2-3g c2-s c2-o c2-3i c2-3j c2-3">The information on this Blog/Web Site is not intended to be a substitute for professional insurance or legal advice. Always seek the advice of a licensed agent in your state pertaining to insurance and legal issues.</em></span></p>
<p><span>Author: Tyler Bartosh</span></p>
<p><span>Sources: <a href="https://www.michigan.gov/documents/mra/Social_Engineering_Attacks_Against_MRA_Licensee_715368_7.pdf" rel="noopener" target="_blank">Michigan Marijuana Regulatory Agency</a>; <a href="https://www.propertycasualty360.com/2021/02/05/phishing-watch-out-for-these-6-tell-tale-signs/?ref=insurancedailynews" rel="noopener" target="_blank" title="Property Casualty 360">Property Casualty 360; </a><a href="https://www.tripwire.com/state-of-security/security-awareness/5-social-engineering-attacks-to-watch-out-for/" rel="noopener" target="_blank">Tripwire.com</a>; <a href="https://www.corvusinsurance.com/news-and-insights/cyber-coverage-explained-social-engineering-and-cyber-crime-coverage/" rel="noopener" target="_blank">Corvus Insurance</a>; <a href="https://www.insurancebusinessmag.com/us/news/cyber/cyber-crime-tactics-evolve-during-covid19-pandemic-241933.aspx" rel="noopener" target="_blank">Insurance Business America</a></span></p>Important Dates for OSHA Recordkeeping2021-01-28T14:24:05+00:002024-03-29T11:27:34+00:00Tyler Bartoshhttps://tomia247.com/blog/author/TBartosh/https://tomia247.com/blog/osha-form-300a-posting-requirements/<p><span>Each year, the Occupational Safety and Health Administration (OSHA) requires certain employers to submit information from their </span><a class="x-el x-el-a c2-9 c2-a c2-3l c2-c c2-d c2-3m c2-f c2-3n c2-3 c2-2w c2-o c2-2x c2-2y" href="https://www.osha.gov/recordkeeping/new-osha300form1-1-04-FormsOnly.pdf" rel="">OSHA Form 300A</a><span> electronically in in addition to displaying the forms in a prominent place at the worksite. Failure to meet comply with these recordkeeping requirements and deadlines can result in OSHA penalties and more detailed recordkeeping. Let's take a closer look at these i<span style="text-decoration: underline;"><strong>mportant dates</strong></span> along with </span><u class="x-el x-el-span c2-9 c2-a c2-3g c2-s c2-o c2-3i c2-3l c2-3"><strong class="x-el x-el-span c2-9 c2-a c2-3g c2-s c2-3h c2-3i c2-3">what industries and establishments must compl</strong></u><strong class="x-el x-el-span c2-9 c2-a c2-3g c2-s c2-3h c2-3i c2-3">y.</strong></p>
<p></p>
<hr/>
<table border="0" style="height: 100%; width: 100%; border-collapse: collapse; border-style: none;">
<tbody>
<tr>
<td style="width: 54.6342%;">
<p><img alt="OSHA 300A Injury & Illness" src="https://www.tomia247.com/media/uploads/icons/osha_dates.png" width="100%"/></p>
</td>
<td style="width: 45.3658%;">
<h4><strong class="x-el x-el-span c2-9 c2-a c2-3g c2-s c2-3h c2-3i c2-3">Annual OSHA 300A Summary Posting</strong></h4>
<h5><span class="textRed" style="text-decoration: underline;"><strong class="x-el x-el-span c2-9 c2-a c2-3g c2-s c2-3h c2-3i c2-3">Deadline: February 1, 2021</strong></span></h5>
<p><span class="textRed textLtGray">OSHA’s 300A Summary form records work-related injuries and illnesses recorded during the calendar year. <a class="x-el x-el-a c2-9 c2-a c2-3l c2-c c2-d c2-3m c2-f c2-3n c2-3 c2-2w c2-o c2-2x c2-2y" href="https://www.osha.gov/recordkeeping/2014" rel="noopener" target="_blank"><strong class="x-el x-el-span c2-9 c2-a c2-3g c2-s c2-3h c2-3i c2-3">Employer requirements</strong></a> include maintaining an OSHA 300 injury and illness log throughout the calendar year and summarizing the data on the 300A Summary form. The 300A Summary form should be posted in a prominent location in the workplace from <strong class="x-el x-el-span c2-9 c2-a c2-3g c2-s c2-3h c2-3i c2-3">February 1 to April 30, 2021.</strong><br/><br/>It is important to note, employers with 10 or fewer employees, or who work in certain low-hazard industries, are not required to keep OSHA injury and illness records. To see if this applies to you, review the <a class="x-el x-el-a c2-9 c2-a c2-3l c2-c c2-d c2-3m c2-f c2-3n c2-3 c2-2w c2-o c2-2x c2-2y" href="https://www.osha.gov/recordkeeping/presentations/exempttable" rel="noopener" target="_blank"><strong class="x-el x-el-span c2-9 c2-a c2-3g c2-s c2-3h c2-3i c2-3">Partially Exempt Industry List</strong></a>.</span></p>
<hr/>
<h4><strong class="x-el x-el-span c2-9 c2-a c2-3g c2-s c2-3h c2-3i c2-3">Annual OSHA 300A Data Electronic Reporting</strong></h4>
<h5><span class="textRed" style="text-decoration: underline;"><strong class="x-el x-el-span c2-9 c2-a c2-3g c2-s c2-3h c2-3i c2-3">Deadline: March 2, 2021</strong></span></h5>
<p><span class="textRed textLtGray"><strong class="x-el x-el-span c2-9 c2-a c2-3g c2-s c2-3h c2-3i c2-3">For establishments with 250 or more workers (in one location), and establishments with 20-249 employees that are classified in certain industries with historically high rates of occupational injuries and illnesses, are required to electronically submit their 2020 OSHA 300A Summary data to OSHA by March 2, 2021. <br/><br/>You can review the industries with 20-249 employees who are required to electronically submit data to OSHA by visiting the <a class="x-el x-el-a c2-9 c2-a c2-3l c2-c c2-d c2-3m c2-f c2-3n c2-3 c2-2w c2-o c2-2x c2-2y" href="https://www.osha.gov/recordkeeping/naics-codes-electronic-submission" rel="noopener" target="_blank">US Department of Labor (USDOL) website</a>. You can begin the submission process by logging into the <a class="x-el x-el-a c2-9 c2-a c2-3l c2-c c2-d c2-3m c2-f c2-3n c2-3 c2-2w c2-o c2-2x c2-2y" href="https://www.osha.gov/injuryreporting/ita/" rel="noopener" target="_blank">Injury Tracking Application</a>. </strong></span></p>
</td>
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</tbody>
</table>
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<h4 style="text-align: center;"><strong class="x-el x-el-span c2-9 c2-a c2-3g c2-s c2-3h c2-3i c2-3">What Employers and What Industries Must Comply?</strong></h4>
<p><img alt="What Employers Must Comply OSHA 300A" height="" src="data:image/png;base64,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" width="100%"/></p>
<hr class="x-el x-el-hr c2-1 c2-2 c2-3y c2-3z c2-40 c2-27 c2-29 c2-41 c2-3 c2-4 c2-5 c2-6 c2-7 c2-8"/>
<h4><strong class="x-el x-el-span c2-9 c2-a c2-3g c2-s c2-3h c2-3i c2-3">What Should Employers Do Now?</strong></h4>
<p><span>Now that you're caught up on some of the OSHA recordkeeping requirements and changes, here are your next steps:</span></p>
<ul>
<li><strong class="x-el x-el-span c2-9 c2-a c2-3g c2-s c2-3h c2-3i c2-3">Audit your 2020 OSHA logs to ensure all data is correct and complete, with no errors or missing information.</strong></li>
<li><strong class="x-el x-el-span c2-9 c2-a c2-3g c2-s c2-3h c2-3i c2-3">Electronically submit your 2020 300A data to federal OSHA by March 2nd, 2021.</strong></li>
<li><strong class="x-el x-el-span c2-9 c2-a c2-3g c2-s c2-3h c2-3i c2-3">Confirm you have completed your 2016, 2017, 2018, 2019and 2020 OSHA records in preparation for an SST OSHA audit.</strong></li>
<li><strong class="x-el x-el-span c2-9 c2-a c2-3g c2-s c2-3h c2-3i c2-3">Confirm you have all the 300, 300A and 301 forms for each year.</strong></li>
<li><a href="https://www.tomia247.com/about/contact-us/" rel="noopener" target="_blank" title="Contact Top O Michigan for OSHA Logs"><strong class="x-el x-el-span c2-9 c2-a c2-3g c2-s c2-3h c2-3i c2-3">Contact </strong><strong class="x-el x-el-span c2-9 c2-a c2-3g c2-s c2-3h c2-3i c2-3">Top O' Michigan Insurance</strong></a><strong class="x-el x-el-span c2-9 c2-a c2-3g c2-s c2-3h c2-3i c2-3"><span><a href="https://www.tomia247.com/about/contact-us/" rel="noopener" target="_blank" title="Contact Top O Michigan for OSHA Logs"> today</a> for access to OSHA Logs at absolutely no additional cost to you, the employer. That's right, Top O' Michigan helps take all of the guesswork out of OSHA recordkeeping by providing this tool to our clients, absolutely </span></strong><u class="x-el x-el-span c2-9 c2-a c2-3g c2-s c2-o c2-3i c2-3l c2-3"><strong class="x-el x-el-span c2-9 c2-a c2-3g c2-s c2-3h c2-3i c2-3">FREE! </strong></u></li>
</ul>
<hr/>
<h4><strong class="x-el x-el-span c2-9 c2-a c2-3g c2-s c2-3h c2-3i c2-3">Annual OSHA 300A Data Electronic Reporting</strong></h4>
<ul>
<li>Citing worker and employer privacy concerns, OSHA eliminated the requirement for employers to turn in the more detailed<span> </span><u class="x-el x-el-span c2-9 c2-a c2-3g c2-s c2-o c2-3i c2-3l c2-3">Forms 300 or 301.</u> </li>
<li>It is especially important that employers are aware of these OSHA recordkeeping rules because violations for materially false, fictitious, or fraudulent statements can be punished by a fine or by imprisonment of not more than five(5) years, or both.</li>
<li>Failure to comply with these new OSHA regulations could result in <a class="x-el x-el-a c2-9 c2-a c2-3l c2-c c2-d c2-3m c2-f c2-3n c2-3 c2-2w c2-o c2-2x c2-2y" href="https://www.osha.gov/penalties/" rel="noopener" target="_blank">OSHA Penalties</a> such as a <span class="textRed"><strong class="x-el x-el-span c2-9 c2-a c2-3g c2-s c2-3h c2-3i c2-3">$13,653 fine</strong> <span class="textLtGray">and</span> <u class="x-el x-el-span c2-9 c2-a c2-3g c2-s c2-o c2-3i c2-3l c2-3">trigger a more detailed OSHA recordkeeping audit</u>.</span> </li>
</ul>
<p><img alt="OSHA 300A" src="https://www.tomia247.com/media/uploads/blog/osha_300a.jpg" style="display: block; margin-left: auto; margin-right: auto; border-style: groove; border-width: 1px;" width="100%"/></p>
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<h5><a href="https://www.tomia247.com/about/contact-us/" rel="noopener" target="_blank" title="Contact Top O Michigan for OSHA Logs"><strong class="x-el x-el-span c2-9 c2-a c2-3g c2-s c2-3h c2-3i c2-3"><span style="text-decoration: underline;">Contact </span></strong><span style="text-decoration: underline;"><strong class="x-el x-el-span c2-9 c2-a c2-3g c2-s c2-3h c2-3i c2-3">Top O' Michigan Insurance</strong></span></a><strong class="x-el x-el-span c2-9 c2-a c2-3g c2-s c2-3h c2-3i c2-3"><span><span style="text-decoration: underline;"><a href="https://www.tomia247.com/about/contact-us/" rel="noopener" target="_blank" title="Contact Top O Michigan for OSHA Logs"> today</a></span> for access to OSHA Logs at absolutely no additional cost to you, the employer. </span></strong></h5>
<h5><strong class="x-el x-el-span c2-9 c2-a c2-3g c2-s c2-3h c2-3i c2-3"><span>That's right, Top O' Michigan helps take all of the guesswork out of OSHA recordkeeping by providing this tool to our clients, absolutely </span></strong><u class="x-el x-el-span c2-9 c2-a c2-3g c2-s c2-o c2-3i c2-3l c2-3"><strong class="x-el x-el-span c2-9 c2-a c2-3g c2-s c2-3h c2-3i c2-3">FREE! </strong></u></h5>
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<p><span><em class="x-el x-el-span c2-9 c2-a c2-3g c2-s c2-o c2-3i c2-3j c2-3"><a href="https://theinsurancegeek.com/blog/f/important-dates-for-osha-recordkeeping" rel="noopener" target="_blank" title="The Insurance Geek Blog - OSHA Deadlines"><strong>Shared from TheInsuranceGeek.com Blog.</strong> </a></em></span></p>
<p><span><em class="x-el x-el-span c2-9 c2-a c2-3g c2-s c2-o c2-3i c2-3j c2-3">This Blog/Web Site does not provide insurance or legal advice. This site is for educational purposes only as well as to provide you with general information and a general understanding of insurance, not to provide specific legal advice or specific contract advice. Viewing this site, receipt of information contained on this site, or the transmission of information from or to this site does not constitute a client relationship. </em></span></p>
<p><span><em class="x-el x-el-span c2-9 c2-a c2-3g c2-s c2-o c2-3i c2-3j c2-3">The information on this Blog/Web Site is not intended to be a substitute for professional insurance or legal advice. Always seek the advice of a licensed agent in your state pertaining to insurance and legal issues.</em></span></p>
<p><span>Author: Tyler Bartosh</span></p>
<p><span>Sources:</span></p>
<p><span><a class="x-el x-el-a c2-9 c2-a c2-3l c2-c c2-d c2-3m c2-f c2-3n c2-3 c2-2w c2-o c2-2x c2-2y" href="https://www.osha.gov/recordkeeping/" rel="noopener" target="_blank">Occupational Safety and Health Administration (OSHA)</a></span></p>
<p><a class="x-el x-el-a c2-9 c2-a c2-3l c2-c c2-d c2-3m c2-f c2-3n c2-3 c2-2w c2-o c2-2x c2-2y" href="https://www.tomia247.com/about/client-tools/osha-compliance-with-oshalogs/" rel="noopener" target="_blank">Top O' Michigan Insurance Solutions - TOMIA247.com/OSHA</a></p>
<p><span>OSHALogs.com</span></p>
<p><span>ICW Group</span></p>
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</p>5 Strategies for Reducing Health Benefits Costs in 20212020-09-10T13:59:16+00:002024-03-28T20:38:10+00:00Tyler Bartoshhttps://tomia247.com/blog/author/TBartosh/https://tomia247.com/blog/5-strategies-for-reducing-health-benefits-costs-in-2021/<p class="BodyText1">Health benefits costs are almost certainly going to rise in 2021. They’ve been trending upward for years—over 50% in the last decade, according to the Kaiser Family Foundation—and the current state of economic uncertainty over COVID-19 won’t slow things down. Realistically, after enduring months of business closures and managing exhausted workforces, many employers will be lucky to maintain uninterrupted operations. <o:p></o:p></p>
<p class="BodyText1">That’s why it’s critical for employers to think about reducing health costs right now—figure out cost-effective benefits first so money can be shuffled as needed later. Having a solid plan going into 2021 will better position organizations facing limited budgets.<o:p></o:p></p>
<p class="BodyText1">Here are five cost-reduction strategies employers should explore:<o:p></o:p></p>
<h3>1. Dig Into Health Costs<o:p></o:p></h3>
<p class="BodyText1">Employers don’t let themselves overpay for the materials they use during production, so why is health care any different? Employers should investigate every health care figure they can, from overall premium costs to individual employee expenditures. Understanding where money goes can help focus cost-cutting efforts.<o:p></o:p></p>
<p class="BodyText1">For instance, if employees are going to the emergency room for every health visit, employers know they must promote more health literacy among their workforce. <o:p></o:p></p>
<p class="BodyText1">Speak with Top O' Michigan Insurance Solutions for details about digging into your health plan cost data.<o:p></o:p></p>
<h3>2. Embrace Technology<o:p></o:p></h3>
<p class="BodyText1">The health care landscape of today is starkly different than the one of even a few years ago. Now, the name of the game is virtual health care or “telemedicine.” There are numerous ways for individuals to take charge of their health care without the hassle—and added cost—of in-person consultations. <o:p></o:p></p>
<p class="BodyText1">For example, there is tech that can monitor glucose levels to help diabetic employees without test strips; there are virtual visits available for doctors, psychiatrists and other health professionals; and there are countless wellness apps that can help individuals make proactive health choices. <o:p></o:p></p>
<h3>3. Consider Alternative Plan Options<o:p></o:p></h3>
<p class="BodyText1">Not every plan option will work for every organization. For years, PPOs were the standard, but now high deductible health plans with savings options are having their moment. These plans enable greater health consumerism and put the decision-making power into employees’ hands. Employers should consider offering mechanisms like HSAs, FSAs and HRAs to help shift costs without compromising health care quality.<o:p></o:p></p>
<h3>4. Require Active Enrollment <o:p></o:p></h3>
<p class="BodyText1">Some organizations allow employees to passively enroll in their health benefits. This may seem like a nice timesaver, but it can actually hinder employee health literacy. Instead, employers should require active enrollment among employees. This approach would force employees to review all their benefits options each year before making selections. Not only does this make employees consider important life events, it also affords them an opportunity to reevaluate the benefits they’re paying for and potentially not using. Ultimately, active enrollment can make employees wiser health care consumers, improve proactive health care and lower overall health expenditures.<o:p></o:p></p>
<h3>5. Change the Funding Structure<o:p></o:p></h3>
<p class="BodyText1">Another, more drastic, cost-cutting strategy is changing how health plans are funded. Most organizations use a fully insured model, where employers pay a set premium to an insurance provider, but that’s not the only option. For some employers, self-funding, level-funding or reference-based pricing models may be more attractive solutions.<o:p></o:p></p>
<p class="BodyText1">Suffice it to say, there are a variety of ways that employers can structure their health plans—even if that means requiring employees to seek insurance in the individual health market.<o:p></o:p></p>
<p class="BodyText1">Whatever your needs, know that Top O' Michigan Insurance Solutions is here to help. Contact us today to discuss your 2021 benefits.<o:p></o:p></p>
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<p class="BodyText1"></p>
<p><iframe allow="accelerometer; autoplay; encrypted-media; gyroscope; picture-in-picture" allowfullscreen="allowfullscreen" frameborder="0" height="315" src="https://www.youtube.com/embed/3UJz2PZ9n-w" width="560"></iframe></p>
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<p><strong>Brought to you by the insurance professionals at Top O' Michigan Insurance Solutions</strong></p>
<p><strong>This Benefits Insights is not intended to be exhaustive nor should any discussion or opinions be construed as professional advice. © 2020 Zywave, Inc. All rights reserved.</strong></p>How Can I Save Money on My Business Insurance?2020-07-10T14:07:26+00:002024-03-29T11:27:18+00:00Tyler Bartoshhttps://tomia247.com/blog/author/TBartosh/https://tomia247.com/blog/how-can-i-save-money-on-my-business-insurance/<h1>How can I save money on my business insurance?</h1>
<p><span>Let's face it, most people want value when purchasing something. Whether that is a safe and reliable vehicle at an affordable price, quality craftsmanship in remodeling your home (without breaking the bank) or your business insurance package - quality and price are important. </span></p>
<p><span>So you may be wondering, how can I keep my insurance premiums down so that I can afford the best coverage (also known as Value)?</span></p>
<p><span> </span></p>
<div>
<h5 class="x-el x-el-h5 c2-42 c2-43 c2-c c2-d c2-44 c2-n c2-28 c2-27 c2-29 c2-3 c2-45 c2-4 c2-16 c2-5 c2-6 c2-7 c2-8">How Can I Keep Premiums Down?</h5>
</div>
<ol>
<li><strong class="x-el x-el-span c2-9 c2-a c2-3g c2-s c2-3h c2-3i c2-3">Avoid Losses -<span> </span></strong>Insurance is similar to your credit. The cost is typically lower for those with better claim histories. If you are having more frequent losses or more costly losses, your premiums will reflect that because it may suggest there will be more losses in the future. Some businesses may struggle to obtain insurance at all or it won't be affordable if the loss history is too bad. However, if you have hit a streak of 'bad luck' or are unable to correct certain risks, do not worry!<span> </span><u class="x-el x-el-span c2-9 c2-a c2-3g c2-s c2-o c2-3i c2-3l c2-3">By working with the right independent insurance agent, they can help with loss control, risk improvement and negotiating on your behalf.</u></li>
<li><strong class="x-el x-el-span c2-9 c2-a c2-3g c2-s c2-3h c2-3i c2-3">Manage Risk -</strong><span> </span>As mentioned above, the cost of claims and/or the frequency of them can negatively impact your insurance costs. Create a safety culture at your company and be sure to make it publicly known. By enforcing the employee handbook, use of Personal Protective Equipment (PPE), safe driving, caution signs, safety meetings, drug testing, etc., you can make your business more appealing to insurance companies to compete on. Ask your independent agent about specific actions you can take or implement to reduce your premium.</li>
<li><strong class="x-el x-el-span c2-9 c2-a c2-3g c2-s c2-3h c2-3i c2-3">Choose a higher deductible -</strong><span> </span>The deductible is the amount of money you pay before your insurance policy kicks in. As you increase your deductible, the more of a discount the insurance company can provide. Be sure not to set your deductible so high that it will become a financial burden on the business after a loss. Determine your "pucker factor"- the level of stress or amount you can afford.</li>
<li><strong class="x-el x-el-span c2-9 c2-a c2-3g c2-s c2-3h c2-3i c2-3">Shop around -</strong><span> </span>The cost of insurance will vary from company to company, so it can be helpful to have several options where companies are competing for your business. By working with an independent insurance agent, you can also save time on "shopping" for insurance the right agency has access to the top companies. It is important to compare coverage and price for the best value. REMEMBER, the cheapest isn't usually the best!</li>
<li><strong class="x-el x-el-span c2-9 c2-a c2-3g c2-s c2-3h c2-3i c2-3">Bundle or Package Policies -<span> </span></strong>You can maximize additional discounts by combining multiple policy types with the same carrier such as Property, Liability, Workers Compensation and Business Auto. However, it may not always be to your advantage as some companies provide better coverage or value added services than others. You can also often buy more coverage on a Businessowners Policy (BOP) than to buy coverages individually.</li>
<li><strong class="x-el x-el-span c2-9 c2-a c2-3g c2-s c2-3h c2-3i c2-3">Work closely with your independent agent -<span> </span></strong>All and all, there are a number of ways you can positively impact the bottom line with the right insurance solution. The more you share with your agent, the better they can help protect your business. The right agent won't try to sell you as much insurance as they possible can but rather be an expert buyer of insurance on your behalf and implement strategies to help your business. </li>
</ol>
<h5><a href="http://www.theinsurancegeek.com" rel="noopener" target="_blank"><span style="text-decoration: underline;"><strong>Learn more at TheInsuranceGeek.com</strong></span></a></h5>
<p><span style="text-decoration: underline;"><strong><img alt="" src="https://www.tomia247.com/media/uploads/featured_images/insurance_geek_tile.png"/></strong></span></p>
<hr class="x-el x-el-hr c2-1 c2-2 c2-46 c2-47 c2-48 c2-27 c2-29 c2-49 c2-3 c2-4 c2-5 c2-6 c2-7 c2-8"/>
<p><span><em class="x-el x-el-span c2-9 c2-a c2-3g c2-s c2-o c2-3i c2-3j c2-3">This Blog/Web Site does not provide insurance or legal advice. This site is for educational purposes only as well as to provide you with general information and a general understanding of insurance, not to provide specific legal advice or specific contract advice. Viewing this site, receipt of information contained on this site, or the transmission of information from or to this site does not constitute a client relationship. </em></span></p>
<p><span><em class="x-el x-el-span c2-9 c2-a c2-3g c2-s c2-o c2-3i c2-3j c2-3">The information on this Blog/Web Site is not intended to be a substitute for professional insurance or legal advice. Always seek the advice of a licensed agent in your state pertaining to insurance and legal issues.</em></span></p>
<p><span>Author: The Insurance Geek</span></p>
<p><span>Learn more at TheInsuranceGeek.com</span></p>Disability Insurance - How Much Do You Need?2019-05-06T21:06:54+00:002024-03-29T11:26:53+00:00Tyler Bartoshhttps://tomia247.com/blog/author/TBartosh/https://tomia247.com/blog/disability-insurance-awareness-month/<h3>How Much Disability Insurance Do You Need?</h3>
<p>May is Disability Insurance Awareness Month which means this is a great time to begin the conversation of how you can protect your ability to earn an income. One third of workers are concerned about becoming sick or disabled and not being able to work - yet only 20% have disability insurance. <sub>2018 Insurance Barometer Study, Life Happens and LIMRA.</sub></p>
<p>According to the Life Happens survey in 2018, 88% of employed Americans know much more about their favorite TV show than their disability insurance(41%). Often times, individuals don't imagine becoming disabled in their lifetime however, you actually have a 3 in 10 chance of suffering a disability that keeps you out of work for 90 days or longer at some point during your working career.<sup>1</sup> You may think if you don't work in a dangerous profession, that you won't need disability insurance. Keep in mind that 90% of disabilities are caused by illnesses, not accidents.<sup>2</sup></p>
<p>Are you thinking about disability insurance and how you can protect your financial future yet? So where do you start? The first step is determining how much disability insurance you need. You can use a simple worksheet like this:</p>
<p><iframe frameborder="0" height="1567" scrolling="no" src="https://onedrive.live.com/embed?resid=A68573B9B4F90B3B%215387&authkey=%21AAttdfbPpLo6y0o&em=2&wdAllowInteractivity=False&AllowTyping=True&Item='DI%20Budget'!B1%3AE33&wdHideGridlines=True&wdDownloadButton=True&wdInConfigurator=True" width="700"></iframe></p>
<p>Once you've determined what amount you need for disability, reach out to your insurance solution provider to protect your income at 800-686-8664, <a href="mailto:ClientService@TOMIA247.com">ClientService@TOMIA247.com</a> or <a href="https://www.tomia247.com/about/contact-us/" rel="noopener" target="_blank">contact us here</a>!</p>
<p><sup><span>1 The Real Risk of Disability in the United States, Milliman Inc., on behalf of the LIFE Foundation, May 2007</span></sup><br/><sup><span>2 The Council for Disability Awareness, Long-Term Disability Claims Review, 2010</span></sup></p>Back to School - Insurance with Kids Away at College2019-02-05T20:45:37+00:002024-03-29T11:28:36+00:00adminhttps://tomia247.com/blog/author/admin/https://tomia247.com/blog/back-to-school-insurance-with-kids-away-at-college/<h1><strong>School is Back in Session! </strong></h1>
<p style="font-weight: 400;"> School is back in session and many people have kids going off to college. That means a lot of changes can go on with your insurance policies, what coverage is extended and what insurance policies you can put in place to help protect your family. </p>
<p style="font-weight: 400;"><span class="smHdr">Auto Insurance</span></p>
<p style="font-weight: 400;">Some kids leaving for college will keep their vehicle at home while many others will be taking it with them. There are a number of changes that can be made during this transition as well as some that are <span style="text-decoration: underline;"><strong>required</strong></span> to be made. For those students that are going 100 miles or more away to school you can change their rating to Student Away. For those students taking the vehicle with them, they will need to update their garaging address. This is a good time to review the policy language in your auto insurance policy. Some policies require the insured to notify their insurance agent regarding this type of change for the garaging address. Your auto policy most likely has wording similar to this:</p>
<p style="font-weight: 400;"> </p>
<p style="font-weight: 400;"><strong>REMINDER:<span> </span></strong><em>The policy contract requires you notify us within 30 days of any changes to your address, where</em></p>
<p style="font-weight: 400;"><em>your car is garaged, how it is used, vehicle operators, or changes to vehicle ownership or registration. Please</em></p>
<p style="font-weight: 400;"><em>review how your vehicles are currently rated on this policy and contact your Sales Representative shown above,</em></p>
<p style="font-weight: 400;"><em>to report any errors, omissions, or changes.<span> </span><strong>Failure to do so could affect your coverage.</strong></em></p>
<p style="font-weight: 400;"><span style="text-decoration: underline;"></span></p>
<p style="font-weight: 400;"><span style="text-decoration: underline;">Be sure you keep your insurance agent in the loop</span> with changes in drivers, garaging address changes or students away at school <span style="text-decoration: underline;">so you'll never be without coverage</span>. </p>
<p style="font-weight: 400; padding-left: 330px;"><img alt="" height="300" src="https://www.tomia247.com/media/uploads/student-3500990_640.jpg" width="450"/></p>
<p style="font-weight: 400;"></p>
<p style="font-weight: 400;"><span class="smHdr">Renters Insurance</span></p>
<p style="font-weight: 400;">As you're packing for college, many are thinking more about classes, clothes, the right laptop, books, or seeing friends than insurance. Regardless of where a student decides to call home for the school year, it is important to protect your possessions. Just because you think a "poor college student" doesn't have anything important to cover, most students have personal items like electronics, furniture, clothing <g class="gr_ gr_56 gr-alert gr_gramm gr_inline_cards gr_run_anim Punctuation only-ins replaceWithoutSep" data-gr-id="56" id="56">and</g> even jewelry. In addition, college parties can often bring unwelcome opportunities for troubling including injuries to a guest or property damage to your place.</p>
<p style="font-weight: 400;">You're in luck! Renters insurance is really a bargain for the basic protection you get. It helps cover your <strong>personal property, liability</strong> <g class="gr_ gr_50 gr-alert gr_gramm gr_inline_cards gr_run_anim Punctuation only-ins replaceWithoutSep" data-gr-id="50" id="50">and</g> <strong>additional living expenses</strong>. </p>
<ul>
<li><b>Personal property.<span> </span></b>Protects the value of your belongings from a covered event anywhere in the world, such as damage from a natural disaster, loss or theft. Common exceptions include flooding and earthquakes.</li>
<li><b>Liability.<span> </span></b>Protects you against a claim or lawsuit if you accidentally hurt someone, or a visitor is injured in your rental.</li>
<li><b>Additional living expenses.</b><span> </span>Pays for temporary housing and meals if you can't live in your rental while covered damages are repaired.</li>
</ul>
<p></p>
<p>Whether a college student really needs rents insurance depends on where they live and the coverage that may be extended to them from their parent's homeowners policy. Generally, a student living at home will remain covered by their parent's homeowners policy. To avoid caps on coverage or a gap, it is best to consult with your insurance agent to get the appropriate coverage for each situation. For the money, go with your own renter's policy to manage this risk. Give one of our Licensed Solution Providers a call today at 800-686-8664 or email <a href="mailto:ClientService@TOMIA247.com">ClientService@TOMIA247.com</a> to find out what's best for your college student. Time to hit the books!</p>
<p style="padding-left: 120px;"><img alt="" height="300" src="https://www.tomia247.com/media/uploads/laptop-3087585_1280.jpg" width="450"/></p>Clarification from OSHA on Incentive Programs and Post-Incident Drug Testing2019-02-05T20:16:44+00:002024-03-29T11:28:24+00:00adminhttps://tomia247.com/blog/author/admin/https://tomia247.com/blog/clarification-from-osha-on-incentive-programs-and-post-incident-drug-testing/<h1><strong>Incentive programs, post-incident drug testing not prohibited under electronic recordkeeping rule – Clarification from OSHA</strong></h1>
<p>Nov. 7, 2018</p>
<p><img alt="Image result for accident fund" src="http://www.accidentfund.com/wp-content/uploads/2014/10/af-logo-166-1.png"/></p>
<p><span>In an <a href="https://accidentfundagentalerts.cmail20.com/t/r-i-jtlydkkk-l-r/">Oct 11 Memorandum</a>, OSHA clarified that post-incident drug testing and safety incentive programs are not prohibited under the <a href="https://accidentfundagentalerts.cmail20.com/t/r-i-jtlydkkk-l-y/">anti-retaliation provisions</a> in OSHA’s electronic recordkeeping rule. This was in response to a 2016 Memo where OSHA explained that drug testing employees who report injuries or illnesses <g class="gr_ gr_36 gr-alert gr_gramm gr_inline_cards gr_disable_anim_appear Grammar multiReplace" data-gr-id="36" id="36">is</g> prohibited unless an employer has an “objectively reasonable basis.”</span></p>
<p>OSHA’s recent memo clarified the Department’s position that 29 C.F.R. § 1904.35(b)(1)(iv) does not prohibit workplace safety incentive programs or post-incident drug testing.</p>
<p>“The Department believes that many employers who implement safety incentive programs and/or conduct post-incident drug testing do so to promote workplace safety and health. In addition, evidence that the employer consistently enforces legitimate work rules (whether or not an injury or illness is reported) would demonstrate that the employer is serious about creating a culture of safety, not just the appearance of reducing rates. Action taken under a safety incentive program or post-incident drug testing policy would only violate 29 C.F.R. § 1904.35(b)(1)(iv) if the employer took the action to penalize an employee for reporting a work-related injury or illness rather than for the legitimate purpose of promoting workplace safety and health.”</p>
<p><strong>Incentives</strong></p>
<p>Further explained in the <a href="https://accidentfundagentalerts.cmail20.com/t/r-i-jtlydkkk-l-j/">Oct 11 Memorandum</a> OSHA stated that incentive programs that seek reductions in the number of injuries and illnesses reported, or rate-based programs, are permissible if they do not discourage reporting — adding that employers who withhold a prize because of an injury report are not in violation as long as the employer has implemented adequate precautions to ensure that employees feel free to report an injury or illness.</p>
<p>Examples provided in the memo include:</p>
<ul>
<li>Incentive programs rewarding employees for identifying unsafe workplace conditions.</li>
<li>Employee training programs that reinforce reporting rights and responsibilities and emphasize an organization’s anti-retaliation policy.</li>
<li>Taking steps to accurately evaluate workers’ willingness to report injuries and illnesses.</li>
</ul>
<p>A big thank you to one of our partner companies, Accident Fund, for putting this information together. You can find out more at OSHA.gov, or reach out to your insurance solution provider at 800-686-8664.</p>
<p>**Please note that this message is to inform you of the clarification put out by OSHA. For legal advice, always consult with legal counsel on any issues or matters.</p>
<p></p>
<div class="clearfix">Learn more about how we help our clients remain OSHA compliant with <g class="gr_ gr_34 gr-alert gr_spell gr_inline_cards gr_disable_anim_appear ContextualSpelling ins-del multiReplace" data-gr-id="34" id="34">OSHAlogs</g> by clicking the image below:</div>
<div class="clearfix"> <a href="https://www.tomia247.com/about/osha-compliance-with-oshalogs/" rel="noopener" target="_blank"><img alt="Image result for oshalogs" src="https://www.oshalogs.com/wp-content/uploads/2015/02/ohsalogs_logo.png"/></a></div>