Health Care

Most Vulnerable Data of Home Health Care Providers

Similar to other healthcare companies, home health care providers must adhere to HIPAA guidelines which require they protect patient data. However, hackers constantly present a problem by stealing data on the business’ servers. Here is a list of the most vulnerable data hackers are after.

Payment Information

Many patients use insurance to pay for their home health care. A hacker can take that information and fraudulently bill the insurance company. Credit cards, bank account information and health savings accounts are also vulnerable to theft.

Personal Information

A patient’s personal information is often contained in a server for access on mobile devices by clinicians attending to patients in their homes. This information includes their name, DOB, SSN and address which are prime targets for hackers. They can use the information for fraud and identity theft.

Health Records

The majority of people are not interested in others knowing about their detailed health histories and issues. This information can help hackers better target their fraudulent claims for lower rates of denial. As seen on Manchester Specialty Insurance, stiff penalties are common after home health data breaches.

Home health care providers need an effective security plan to protect the data of their patients. In addition to HIPAA violations, data breaches can bring forth lawsuits from patients whose data was stolen.

Huntersure LLC

Understanding Miscellaneous Professional Liability Insurance

If you own or manage a company that provides professional services, it’s essential to make sure you have the right level of insurance coverage. One type of insurance you may want to have is Miscellaneous Professional Liability insurance. This type of coverage can help reduce the financial consequences of errors or omissions that occur when you provide services to your clients.

The Basics of MPL Coverage

You may wonder exactly what is MPL insurance? In essence, this type of coverage can help protect your company if there are allegations or lawsuits based on problems with the services you provide. For example, some circumstances that MPL insurance may cover include lawsuit claims that your company failed to meet service deadlines, misrepresented the services offered or made errors during service contracts.

MPL Client Industries

You may consider obtaining MPL insurance no matter what type of services your company provides, but this type of coverage is especially common in certain industries. The insurance firm Huntersure LLC states that MPL insurance may work well for certain professionals: property managers, real estate agents, consultants, bookkeepers, travel agents, and publishers.
Having the right insurance coverage for your company can help protect your financial assets if there is a lawsuit or other legal action. If your company provides professional services, you may want to consider getting MPL coverage that can help offset liability issues related to errors, omissions, and failures that occur during service contracts.

The industry leaders at moody insurance

Top Tips for Lowering the Risk of Employee Theft in Homes

Many people prefer to hire a maid or cleaning company to clean their house rather than spend the time doing it after a hard day working. Unfortunately, this also leaves the homeowner open for the possibility of theft. In addition to having bonds for cleaning companies, these tips can help lower the risk of theft.

Educate Customers

One way to deter theft is to educate customers. Have customers put their valuables away and out of sight of the maid to avoid the temptation. Valuables like cash and jewelry left on bathroom counters, dressers and nightstands are common targets for theft. Getting the customer to work with your business can decrease theft risk.

Provide Information

When a new client interviews your company, don’t simply say you are bonded, licensed and insured. Provide that information upfront. This can help put their minds at ease and increase their trust. The industry leaders at moody insurance understand employee theft is a potential problem for cleaning companies.

Training Practices

When hiring and training new staff, make sure you include information about theft. Have a policy in place for handling theft should it happen rather than coming up with something once an accusation is lodged.
Bonds for cleaning companies can bring peace of mind to your clients and protect your business against employee theft. Consider bonds as part of the costs of doing business.

According to King Harvest Medical Cannabis Care information

An Alternative Treatment for PTSD

Post-traumatic stress disorder, or PTSD, is a serious condition that can affect anyone. However, treatment is often a mixture of different therapies that may have unpleasant side effects. That’s why there is CBD for PTSD.

How CBD Can Help

PTSD often leads to high anxiety, an inability to sleep, nightmares and even behavioral differences. A person’s entire life can change because of a traumatic event, even though these changes may not manifest immediately. When a person does experience PTSD, a doctor usually prescribes an antidepressant, although it may not have the desired effect. Scientists found that medical cannabis allows doctors to treat patients with PTSD and remove the side effects antidepressants may have. CBD is found to help with the following:

Reduce feelings of anxiety
Relax the body and mind for restful sleep
Clear the mind
Increase the ability to focus

According to King Harvest Medical Cannabis Care information, a person’s entire life can revolve around a past traumatic event. CBD allows people to break free of the seemingly never-ending cycle of fear and anxiety and begin to live in the present once again.

Enabling People To Be In Control

Individuals who take CBD as a treatment for PTSD can regain the ability to be in control of their lives in a way that other therapies do not. As the research behind medical cannabis continues to evolve, it is possible that CBD for PTSD may become more mainstream.

Daniels Insurance

What Is Personal Umbrella Insurance?

If you’re in your 20s or 30s and trying to determine which insurance is necessary for this point in your life, you may be feeling a little discombobulated. One way to make sure that you have all the coverage you need is to purchase a personal umbrella policy.

What It Is

Umbrella insurance is a type of policy that covers you from claims or lawsuits across a variety of situations. It may cover anything from homeowners’ insurance to boat insurance and can protect you from situations not generally covered by liability, such as false arrest or libel and slander. Source: Daniels Insurance

How It Protects You

Umbrella insurance protects you when your other policies can’t. Imagine, for example, that your home catches on fire. Chances are your homeowners’ policy only covers a certain amount of damages. If your home has $750,000 of damage, but your policy only covers $500,000, you’re on the hook for the remainder. However, an umbrella policy can cover that additional $250,000 so that you aren’t scrambling to pull it out of pocket some other way.
If you do decide that umbrella insurance in Santa Fe is right for you, be sure to purchase it from a reputable, licensed agency. This way, you know that your needs are being met and aren’t met with any unpleasant surprises in an emergency.

Quality Coverage for Niche Industries

Is there an insurance plan for every industry? Yes, but they are not all the same. That is why you need specialized insurance in Ann Arbor for industries such as home health care and cannabis that are not adequately covered by traditional insurance programs. Source:

Areas of Coverage for Unique Businesses

There are two specific and unique niches that require different insurance than most traditional companies. The first is the cannabis industry that has expanded recently, with farms, distributors, and dispensaries opening and providing medical and legal marijuana to consumers. The second is the home health industry that provides medical and cares services to patients in the home, such as administering medication, diabetes management, wound care, physical hygiene, therapy, and companionship. To provide these specialized services that are distinctive to your industry, your business may need policies that cover the following areas of your practice:

Workers’ compensation
General liability
Commercial property
Equipment repair
Employee crime
Product recall
Directors and officers liability

Specialized Policies for Your Business

The cannabis and home health care industries became popular in recent years, but traditional insurance plans do not necessarily provide the right kind of coverage. That is where specialized insurance in Ann Arbor comes in to help protect your business against various claims.

King Harvest Medical Cannabis Care

What Can CBD Be Used For?

CBD is an essential oil extracted from Cannabis flowers. It has many healing properties and can be used to ease symptoms of various ailments. According to King Harvest Medical Cannabis Care, its use can be a vital part of a holistic approach to patient care. There are many medical uses of CBD.

Methods of Use

As with most essential oils, there are a variety of ways CBD can be administered. There are four typical methods:

Topical application
Oral intake

The method that is most effective depends on the individual patient and what ails him or her.

Conditions Treated

Many different conditions can be treated or prevented by the use of CBD oil. It can act as a neuroprotectant, which makes it useful for preventing or slowing the progression of Parkinson’s Disease, Alzheimer’s, dementia and stroke. CBD also has pain-relieving properties. Cancer patients may benefit from its use during any stage of treatment. The antioxidants in CBD may help prevent the growth of cancer or the onset of age-related illnesses. It works as a gentle relaxation or sleep aid, allowing those with stress disorders such as anxiety to achieve calm without the aid of harsh pharmaceuticals.
Research on the many potential uses of CBD is promising. It can ease the suffering of many people.

employment practices liability insurance claims

Reasons for EPL Claims

When you own a company, you always have your share of risks that you need to consider. Employment practices liability insurance claims are common in every industry. Here are a couple of top claims and why you need coverage.

Wrongful Termination

Wrongful termination may happen when an employer gives one reason for firing an employee but the employee proves it was for a reason protected under the law. For instance, if the firing occurs with a reason listed as poor performance but the worker feels as though it is due to him or her being under a protected class, this may lead to wrongful termination suits.

Hostile Work Environment

A company may be held liable if an employer feels harassed by other employees. Whether this is something that happens physically at the place of work or at any work-related function, if for any reason that the employee feels like he or she is working in a hostile environment, he or she can sue the company.

Even if you feel like your company is innocent of the charges brought against it, this doesn’t mean that you don’t have to pay the court fees associated with it. Legal fees can stack up and on the off chance that you lose the case, you could lose a lot of money because of it. Employment practices liability insurance claims happen to every business. It’s crucial to have coverage.

mortgage bond insurance

Bond Insurance – Mortgages

The average American is unable to purchase a home outright with cash in 2019. As property values have appreciated over time, this is unrealistic and most Americans secure mortgages to move into a new home. Mortgages are paid back over a particular time-frame and allow occupants to remain at home as long as the mortgage is paid on time. The proper payment on mortgages is an essential factor for mortgage bond insurance. A mortgage bond involves the security of a bond based around either a pool of mortgages or one mortgage. These bonds are secured by assets deemed valuable and offer a great deal of protection for prospective investors.

Utilizing Mortgage Bond Insurance

While mortgage bonds are some of the most secure bonds that can be purchased, mortgage bond insurance is still essential to consider. Mortgage bond insurance protects the purchasing property from any liability that occurs from criminal activity. It is difficult to not think of the great recession of 2008 when thinking of illegal activity relating to mortgages. In the event of adverse selection and moral hazard, subprime mortgages tainted the prospect of mortgage bonds for many individuals in the United States of America. With this said, purchasing mortgage bond insurance is still wise in the current economic climate.

insurance marketing brochures

Marketing Insurance Policies

Insurance is similar to accounting in the sense that it is not an appealing topic when the term is brought into a conversation. In the field of business, almost every sector makes sure that accountants have complete control of all of the accountancy duties. Insurance brokers often find themselves in comparable situations because of how professional this industry happens to be. Almost every adult has some form of insurance, but many individuals are not aware of all of the benefits that come with a policy. Insurance brokers can use promotional materials such as insurance marketing brochures to convey the importance of insurance to a mass audience.

Identifying Proper Channels

Nowadays, insurance marketing brochures are more effective in the sense of being interactive over the internet. The return on investment with physical advertisements cannot be calculated because the incoming business could be unrelated to these marketing efforts. However, if brochure packages are emailed to prospective clients, your insurance agency will be able to see click-to-conversation ratios. Observing metrics for your online insurance marketing brochures will allow your agency to tailor marketing efforts, so they are more effective in the future. Also, consumers no longer wish to receive physical information because it is easily lost or tossed into a trash can. With an online marketing campaign, consumers can save the email or content and revisit at a later date.