Tag Archives: liability

Medical Records Data Breach

Is your medical office covered in the event of a data breach?

A data breach is loss, theft or even publication of personal information.

Medical offices are for healing and care.  Trust and confidentiality is a major part of the practice. Don’t let a medical records data breach put your patients at risk.  According to a the Verizon data Breach Investigations Report of 2013, “66% of data breaches investigated were not discovered for months or years after.”  We know your patients personal information is too precious to take this chance.

Data Breaches occur when information is lost or stolen.

Is your office at risk for a medical records data breach?

Ask yourself:

  • How secure are your medical records?
  • Are your computer “firewalls” up to date?
  • Do former employees have access to patient files?


Peggy data breach



Peggy Marshall is ready to speak with you about data breach coverage and tips  for securing your business.

Contact Information




Spring Tree Clean Up

Now is a great time to do some spring cleaning.  Winter seems to have left us finally!

Pretty soon we will be enjoying those summer time backyard BBQs!

How does your yard look? Have you noticed any broken branches on your trees? Now is a good time to have this taken care of.

Calm spring weather allows for tree clean up that is essential for a happy summer.

Imagine this:tree clean up

A thunderstorm approaches the pioneer valley.  The local news station tells you to make sure your yard is clear of any loose furniture because of gusty winds.  You don’t notice anything that needs to be brought in.  The rain starts and slowly the wind picks up. A few hours later you are jolted awake by a loud crash!  What was that??   

The next morning you look out the window and see that your neighbors car has been crushed by a branch.  The problem is the branch was from a tree on your property…  What now? Are you covered?

Many homeowners realize too late that they did not have the coverage for this type of situation.  The sad news is, unhealthy trees or damaged trees, if left unattended, can cause major damage that is not always covered.

Before it gets that far consider having your property assessed by a professional.

Also if you have questions about your coverage, don’t hesitate to call your local insurance agent.

Landlord Inventory

Do you own rental property?  What can you do to protect your property?

Keep a digital inventory of your property.

Don’t let this happen to you…

landlord inventoryYou rent out an apartment to a family.  Before they move in you update everything. New wood floors, new refrigerator ,new dryer… everything.  A year or two go by and you have to make a repair on the kitchen sink.  Suddenly you realize the
oven that you installed is gone and an older one is in its place.  You mention it to them and they say.. are you sure??  You insist that this is not the oven you installed they say, of course it is…

Do you have proof??  Scenarios like this show why you would do well to make sure you have a digital inventory of the property and valuable goods.  Pictures should have a date stamp which shouldn’t be hard with modern cameras and even your smartphone.  Also the condition of the property should be noted. This can prevent theft and future liability issues.

Please be sure to let us know of your inventory as well.

Whenever contracts are concerned remember this;

  • Written contracts are best.
  • Details should be presented clearly.
  • Signatures and Dates, from both parties, must be clearly marked.


Encourage tenants to purchase renters insurance…

National Safety Stand Down

OSHA is encouraging all who work in construction to think safe!  They are launching a campaign for June 2-6 called National Safety Stand Down.

Do you own a construction company? Do you work in construction? Then this is for you…

Why?  Their goal is to raise awareness for personal safety, more specifically fall prevention.  Knowledge is power, the goal is to keep people informed and reduce injury and fatalities caused by falls.

After all safe workers are usually the best workers…  

What is Safety Stand-Down?  An Employer organized, brief, meeting for employers to have with their employees.  Employers are to discuss Fall Hazards and prevention.

Safety Stand Down is something employers can do at their leisure.  Osha is encouraging employers to “Stand Down” during the week of June 2-6, 2014

Safety First!

safety stand down

The following are a few links that can assist you and your employees.

OSHA website


Tips for a successful Stand-Down

Click here for information on Safety Stand-down… en Espanol


Yes means No?

Yes means No?  Let us explain, If you answer yes to any of the following questions that could mean no coverage.  Please take a few minutes to read the following.  Call you agent if you answer yes to any of the following.

yes means no

  1. The named insured on the policy is not occupying the home
  2. The amount of insurance coverage on our home is less than 100% of what it would cost to rebuild it.
  3. The amount of insurance on our contents is less than its replacement value.
  4. Property used in business (tools, equipment, samples, stocks, etc.) is kept in our car or at our home.
  5. I own a trailer, camper, snowmobile,  or recreational vehicle. Call us to confirm coverage.
  6. I own a boat, outboard motor or boat trailer.
  7. We have a total of more than $1000 in jewelry, watches and furs, $2000 in firearms, $2500 in silverware & pewter ware or $200 in gold, money or silver.
  8. I own a second home and or we rent our second home during the year.
  9. I have cameras or hobby equipment which we consider valuables.
  10. I own antiques, fine arts, stamps, coins etc.
  11. I have an office or conduct business out of our home or garage.
  12. I have a detached garage or other building on our property that is worth more than 10% of our house dwelling coverage.
  13. I have a sump pump.
  14. I have persons other than blood relatives living in my home.
  15. My home is vacant or unoccupied.
  16. I have updated my kitchen, bathroom, or basement or added a dormer, addition, or deck to my home.
  17. I allow friends, or family members to operate my vehicle even though they are not listed on my policy.
  18. I borrow a household member or friends car regularly and I’m not a listed driver.
  19. I have multiple vehicles with different limits.
  20. I have an underground oil tank.
  21. I have custom equipment or furnishings in our vehicle
  22. I have a snow plow, bed liner, roof rack system or other item attached to our vehicle
  23. I own a condominium as a second home and may rent it out.
  24. I own vacant land.
  25. I own a condominium and don’t have loss assessment coverage.

Contact your local agent with further questions.

Terrorism Insurance for Business! Coverage, or not?

Have you heard about terrorism insurance?

There has been a lot of chatter about terrorism coverage since the Boston Marathon disaster.  Upwards of 400 businesses employing over 7,000 people in the area of the blast were affected with an economic impact upwards of 300 million dollars.  Will your business insurance pay for these claims?  That is a good question.  My quick answer is to contact your insurance agent/company.  Do not assume that you don’t have coverage, always call.

The 2002 law was enacted after the 9-11 attacks of the Twin towers in New York City.  This law tells when insurance will and will not cover losses for acts of terrorism.  Under the Terrorism Risk Insurance Act of 2002, effective November 26, 2002 (the “Act”), you have a right to purchase insurance coverage for losses arising out of acts of terrorism, as defined in Section 102(1) of the Act:

The Term Certified Act of terrorism means any act that is certified by the Secretary of the Treasury, in concurrence with the Secretary of State, and the Attorney General of the United States – to be an act of terrorism; to be a violent act or an act that is dangerous to human life, property or infrastructure; to have resulted in damage within the United States, or outside the United States in the case of an air carrier or vessel or the premises of a United States mission; to have been committed by an individual or individuals acting on behalf of any foreign person or foreign interest, as part of an effort to coerce the civilian population of the united States or to influence the policy or affect the conduct of the United States Government by coercion; and that causes losses of at least $5,000,000.

So, lets break all that down.   All of the following must be met in order for the terrorism act of 2002 exclusion.

  • Treasury Secretary declares certified act of  terrorism
  • Must be intent to “coerce civilian population” or influence U.S. policy
  • Losses must total at least $5,000,000

Some businesses may not collect insurance if all three of the above are met and they have not elected to purchase terrorism coverage.

How does my business get Terrorism coverage?

Most commercial insurance policies offer Terrorism coverage for an additional premium while some insurance companies include Terrorism coverage in their policies without additional cost.  Typically terrorism coverage costs between 2% – 4% of the insurance policy premium.  Most commercial policies provide a policyholder disclosure notice offering certified terrorism insurance coverage.  You have a choice to elect to purchase coverage or reject coverage for certified acts of terrorism coverage.

Should you elect to purchase certified terrorism coverage, you should know that coverage for losses caused by certified acts of terrorism is partially reimbursed by the United States under a formula established by federal law.  Under this formula, the United States pays 90% of covered terrorism losses exceeding the statutorily established deductible paid by the insurance company for providing the coverage.

I suppose no one is immune from certified acts of terrorism.  It may be a good idea to take another look at your commercial insurance policy and consider purchasing Terrorism coverage.

It is sad to think that we have to even think about discussing this topic!