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So far Lockton Affinity, LLC has created 70 blog entries.

Encryption of Sensitive Information

Data encryption is an essential tool that helps protect the confidentiality and privacy of your firm’s sensitive digital information during storage and transmission.

This complex technology automatically scrambles your data to protect it from prying eyes and unscrambles the same data so that you and other authorized parties can work with it.

Encryption works seamlessly in the background every day to secure data, including

September 16th, 2021|Financial, Franchise, Small Business|

What a BOP Does and Doesn’t Cover

Restaurant customers often order a combo meal, since it has everything most people need—entree, side and drink. Packaging a burger, fries and a soda into a combo meal makes a lot of sense, and it’s similar to how a Business Owners Policy (BOP) works in insurance.

A BOP makes it easy to get the standard coverage and limits you need without piecing together

September 16th, 2021|Franchise, Small Business|

Summer Storm Risks for Inventory

Summer storms can pose a serious risk for businesses with inventory. In 2019, the Congressional Budget Office estimated commercial business damage from summer storms at $9 billion. Your business may be at greater risk if your product is located in vulnerable warehouses or out in the open exposed to the elements.

These weather risks are hard to predict and can affect your inventory

September 16th, 2021|Uncategorized|

Employment Practices Claims and Restaurants

Employment practices refers to the part of your business that deals with hiring, firing and everyday workplace interactions. Employment practices liability claims alleging workplace discrimination or sexual harassment are increasingly common.

In fact, the restaurant industry experiences more claims of misconduct than any other, according to the Harvard Business Review. With as many as 90% of some workers

April 23rd, 2021|Small Business|

Common Pest Infestations and Prevention

Unwanted pests are a common problem for facilities, where insects, rodents and other small animals seek easy access to food, water and shelter. With warmer weather returning, pests may become a problem at your organization.

These pests can be a problem for your organization in more ways than one. Some pests carry diseases which can cause illness to members, guests and volunteers. Others

April 23rd, 2021|Non-Profit, Small Business|

Gap Insurance

If your fleet vehicle is totaled or stolen, most insurance will prepare a settlement payment based on the actual cash value (ACV) of the vehicle. In most cases, this regular coverage is enough to cover your loss. But if your fleet vehicle was a newly financed or leased vehicle, you could end up underwater—owing more on a vehicle than your insurance can

April 23rd, 2021|Franchise, Small Business|

Creating a Safe Driving Program for Your Company Vehicles and Drivers

If your business offers delivery, pickup or in-home services, your business faces certain risks that other franchises don’t. Having employees that drive for work and company vehicles that need to be serviced and maintained increases your exposure to accidents, claims and liability lawsuits.

One of the ways you can manage this risk exposure is by creating a safe driving program for your company

March 4th, 2021|Franchise, Small Business|

The Importance of Multi-Factor Authentication and Strong Passwords

The importance of multi-factor authentication and password security is critical. Often, it is your best line of defense for protecting all your data, devices and systems from unauthorized access. Unfortunately, many don’t take password security seriously, which makes them especially vulnerable to hackers.

Good password security can help protect you from data breaches, network intrusions, malware and viruses. It can also minimize your

February 24th, 2021|Financial, Legal, Non-Profit, Small Business|

Take the Stress out of Cold Stress

Working outdoors can be just as tough on the body during the winter as it is during the summer. While hot weather carries the risk of heat stroke, winter weather can result in cold stress. Cold stress is a condition that occurs when a person’s body can no longer maintain its normal temperature, resulting in serious injuries such as permanent tissue damage

February 10th, 2021|Uncategorized|

An Insurance Market Update for Food and Beverage Clients

To say things have changed over the last year is a bit of an understatement—change has swept through every industry, including insurance. Many food and beverage clients have been asked to do the impossible—and succeeded, continuing to stay afloat in an often ambiguous and shifting environment.

As a business owner, your focus continues to be your business, ensuring its future and minimizing any

January 25th, 2021|Franchise, Small Business|