On March 11, 2021, the U.S. Department of Labor (DOL) announced a proposal to rescind the independent contractor final rule. The final rule was published on Jan. 7, 2021 and is scheduled to become effective on May 7, 2021. The DOL’s position is that adopting the rule would significantly weaken worker protections under the Fair […]
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Workers Compensation Premium Audits
Date: March 16, 2021Category: Author:
While workers’ compensation requirements can differ between states, many policies include a routine premium audit process. Different from most other lines of commercial insurance (e.g., property coverage)—in which potential exposures can be identified upfront and premium expenses are final—workers’ compensation premiums paid at the beginning of policy periods are provisional amounts. In other words, these […]
Cyber Liability: Preventing Ransomware Exposures From Remote Desk Protocol
Date: March 8, 2021Category: Author:
Remote desk protocol (RDP)—which is a network communications protocol developed by Microsoft—consists of a digital interface that allows users to connect remotely to other servers or devices. Through RDP ports, users can easily access and operate these servers or devices from any location. RDP has become an increasingly useful business tool—permitting employees to retrieve files […]
Reporting Workers’ Compensation Claims
Date: February 16, 2021Category: Author:
Reporting Workers’ Compensation Claims Workers’ compensation laws are often misunderstood because they can vary significantly between states. If your employee reports an injury and you are unsure of what steps to take, you are not alone. However, regardless of your company’s geographical location, the first two days after an employee gets injured on the job […]
Social Engineering Fraud Coverage
Date: February 5, 2021Category: Author:
Social engineering fraud (SEF) is a type of fraud that’s become increasingly common over the last several years. However, even though many instances of this fraud transpire over email communications, it’s a company’s crime policy—not a cyber policy—that would often provide coverage in the event of a SEF loss. That’s why it’s especially important to […]