Affinity Group Insurance Trends & Solutions | Lockton Affinity

Why Businesses Need Business Interruption Insurance

If your small business operations were interrupted next week, would you be able to bounce back the week after next? For 9 out of 10 small businesses, the answer is no.

According to FEMA, being forced to close for just five days can cause the majority of small businesses to fail within a year. But if your business were to face a serious

October 17th, 2019|Small Business|

Tips to Protect Against Common Phishing Tactics

Phishing tactics can target any internet user, but the results can be particularly devastating when your small business is affected. Losses from business email compromise scams reached $2.7 billion in 2018, according to the FBI’s Internet Crime Report, with no sign of the problem ending anytime soon.

To protect your business, it’s important to know about the most common phishing tactics and what

October 11th, 2019|Small Business|

Why You Shouldn’t Use Your Personal Car for Business Purposes

Each year, as many as one in 20 vehicles used for business purposes is involved in an auto accident. While no one wants to get in an accident, improperly insured business drivers face risks beyond filing a claim.

For improperly insured drivers, claims of property damage or bodily injury can be denied by an insurer and your business could face a lawsuit.

October 11th, 2019|Small Business|

Tips for Creating a Workplace Emergency Plan

A workplace emergency plan can help your small business prepare for the unexpected, ensuring worker safety and continued business operations.

According to FEMA, up to 90 percent of small businesses fail within a year of facing a serious emergency if they are unable to resume operations within five days. In 40 to 60 percent of serious incidents, businesses never reopen.

Improve your business’s

October 11th, 2019|Small Business|

Developing a Risk Management Program at Your Organization

A successful risk management program can protect your employees, members and volunteers from harm and your organization from associated costs. Because of the program’s importance, your organization’s leadership should hold the responsibility of the risk management program planning.

When implementing a risk management program, consider the following fundamentals:

  • State the reasons for having the program. These objectives will determine the depth and scope
October 11th, 2019|Uncategorized|

Email Wire Fraud Scams Affecting Lawyers and Their Firms

More and more, scammers are targeting lawyers by sending forged emails to law firms, clients and financial institutions. The scam typically involves a compromised email account, which can be the lawyer’s, the client’s or even the bank’s. Scammers monitor the account to uncover pending transactions, such as a real estate purchase, a loan or the settlement of a lawsuit.

At the appropriate time

October 11th, 2019|Legal|

Everything You Need to Know about Heat Exhaustion

Heat exhaustion is one of three heat-related syndromes, with heat cramps being the mildest and heatstroke being the most severe. While heat exhaustion is in the middle, this syndrome must be taken seriously.

Heat Exhaustion Causes

According to the Mayo Clinic, your body needs to maintain a normal core temperature near 98.6 F. In hot weather, your body cools itself by sweating. However, when

July 17th, 2019|Additional Groups, Non-Profit, Small Business|

Ladder Safety Tips

Whether cleaning, hanging pictures or inspecting a roof, ladder safety is important to acknowledge.

According to the World Health Organization, the United States leads the world in ladder deaths. Each year in the U.S., there are more than 164,000 emergency room-treated injuries and 300 deaths caused by falls from ladders. Most ladder deaths are from falls of 10 feet or less.

Help ensure ladder

June 12th, 2019|Uncategorized|

3 Ways to Protect Your Inventory

According to the National Weather Service, thunderstorms cause several hundred million dollars in property damage each year.

If you have a business with a brick and mortar store and inventory, this can be troublesome, especially when considering the other types of weather your area may face.

Whether you sell patio sets or stoves, there are steps you can take to protect your inventory from

June 5th, 2019|Small Business|

Natural Disaster Preparation for your Small Business

No matter where your small business is located, you are at risk to experience a natural disaster. Luckily you can complete natural disaster preparation whether you’re in Florida worried about hurricanes, California concerned about wildfires or Texas troubled by tornadoes.

While you hope a natural disaster never impacts your small business, it always pays to be prepared. A few simple steps can help

May 20th, 2019|Small Business|