Commercial excess liability insurance and umbrella insurance are secondary coverage policies that attach after primary insurance policy limits—such as general liability, employer’s liability and commercial auto insurance—have been exhausted. This additional coverage can protect your business from the financial consequences of large losses that exceed what your primary insurance can cover.

Presenteeism in the workplace occurs when an employee comes to work despite feeling tired or unwell, considerably reducing their productivity. This problem is especially common among remote or hybrid employees, as they are more likely to not feel the need to take sick leave when they’re feeling unwell.

According to the Federal Highway Administration, the number of licensed drivers over 70 increased 75% from 1997 to 2020. This is partially due to U.S. demographics, in which Americans over 65 represent the fastest-growing sector of the U.S. population. But it also reflects a trend in American driving habits. Older adults are generally driving more miles and keeping their licenses longer than previous generations.

Employees are an organization’s first line of defense against cybercriminals. For this reason, they are also commonly targeted. In fact, the vast majority (88%) of data breaches are caused by employee mistakes, according to Stanford University. Unfortunately for organizations, a single mistake can result in costly losses, reputational damage and lost or stolen data.

At some point, all software will reach the end of its life. This means manufacturers will no longer develop or service the product, discontinuing all technical support, upgrades, bug fixes and security fixes. As a result, end-of-life (EOL) software will have known vulnerabilities that cybercriminals can easily exploit. This article discusses the risks of continuing to use EOL software and discusses best practices for organizations to mitigate this risk.

Builders risk insurance is a specialized form of property coverage that can help protect buildings and other structures under construction. Also known as course of construction insurance, such coverage can assist with various expenses that may result from property damage amid construction projects.

Modern vehicle technology has transformed in the past several years as autonomous driving, vehicle electrification and car connectivity features have become more common. While these digital innovations in the automotive industry have added significant customer value, they have also exposed vehicles to cybercriminals attempting to gain access to critical in-vehicle electronic units and data.

An attack surface is the total possible entry points (a.k.a. attack vectors) for unauthorized access into any system. The recent increase in remote and hybrid work combined with the shift to the cloud and widespread implementation of software-as-a-service (SAAS) applications have made attack surfaces increasingly large, complex and difficult to defend against cyberattacks.

Patch management is the process of acquiring and applying software updates to a variety of endpoints, including mobile devices, computers, servers and embedded devices. Installing patches regularly is necessary to correct errors, help protect data and optimize system functions. This article provides information on how a consistent approach to patching and updating software can limit exposure to various exploits.

Private industry employers reported a 1.8% decrease in nonfatal workplace injuries and illnesses in 2021 from 2020, according to the U.S. Bureau of Labor Statistics. The incidence rate of total recordable cases remained unchanged year over year, with a rate of 2.7 cases per 100 workers who are full-time equivalent (FTE).

Dollar General Corp. and Dolgencorp LLC—which operate 18,000 stores and employ more than 150,000 workers—are once again facing penalties from the U.S. Department of Labor after seven southeast OSHA inspections found 31 Occupational Safety and Health Act violations.

Endpoint detection and response (EDR) is a cybersecurity solution that continuously monitors security-related threat information and endpoint data to detect and respond to ransomware and other kinds of malware. It provides visibility into security incidents occurring on endpoints—such as mobile devices, desktop computers, laptops, embedded devices and servers—to prevent damage and future attacks.

Exercise is a great way to combat stress, maintain a healthy weight and boost your energy. But attempting to do too much too quickly can cause injuries. To keep your workouts injury-free, be sure to add warming up, cooling down and stretching to your exercise routine.

Caught-in or -between hazards may cause injuries if a person is squeezed, caught, crushed, pinched or compressed between two or more objects, or between parts of an object. Such accidents can occur in any industry.

Over the past decade, many states have been moving toward the legalization of both recreational and medical marijuana. The changes in legislation have posed a range of difficulties for employers, forcing many to reevaluate existing workplace drug policies and procedures.

Carbon monoxide (CO) is a poisonous gas that lacks a detectable color, taste or odor. Breathing in this invisible gas can displace the oxygen in a person’s blood, as well as deprive their vital organs of oxygen. In large amounts, CO can affect an exposed individual within minutes, ultimately causing them to lose consciousness and suffocate.

The National Highway Traffic Safety Administration (NHTSA) released its early estimates of traffic fatalities for the first half of 2022. The report found that an estimated 20,175 people have died in motor vehicle traffic crashes, the highest number of deaths during the first half of the year since 2006. This number is also up a marginal 0.5% from the 20,070 projected fatalities for the first half of 2021.

Recovering a commercial business in the aftermath of a hurricane can be challenging. According to the Federal Emergency Management Agency (FEMA), more than 40% of businesses don’t reopen after a disaster.

OSHA recently announced new login procedures for its injury tracking application (ITA). The OSHA ITA has transitioned its login procedure to the public’s one account access to government applications, Login.gov. The new login procedures are already in effect.

A recession is a prolonged and pervasive reduction in economic activity. Generally speaking, multiple successive quarters of negative growth in gross domestic product—a monetary calculation of the market value of goods and services generated and sold during a set time period within a given country—constitute a recession. A recession can last for several months or years. Furthermore, recovering from this state to the nation’s previous economic peak can take years, even after a recession ends.