Social networks like Facebook and Twitter, even texting, can lead to liability issues.  Things you or your children post can be used against you.  It takes all of about 1 second to hit [Enter] and it is immediately publically posted forever.

The standard liability on a homeowners policy will NOT cover you.  You really should add Personal Injury Liability, which covers you for things like libel and slander.  If you have significant assets, you may also want to consider a separate Umbrella policy as well.  While adults can be at fault for this, kids tend to use social networks more and in most cases, have no concept of accountability and the legal ramifications for their actions.  Contact Us if you’d like to know more.


Just because your business isn’t computer-based, you could still be hacked!

Example:  In 2010, an engineering and construction company based in CA was robbed of more than $125,000 when cybercriminals hacked into its bank account.  The hackers made two automated clearinghouse batch transactions with the office manager’s user name and password, routing stolen money to eight other banks across the country.

Computer security specialists say these “corporate account takeover” crimes have become increasingly common, and small businesses are especially easy prey because many lack firewalls and monitoring systems.  Owners often assume incorrectly that the protection they have on personal bank accounts applies to their business accounts.  Many are shocked to learn that most banks do NOT take responsibility for unauthorized debits from business accounts.

What about the personal information belonging to your customers?

Do you take online reservations or process credit card payments online?

Do you save customer’s name plus any of the following:

  • social security number
  • driver’s license number
  • state-issued ID
  • financial (bank) account number
  • credit/debit card number with OR without any required security code, assess code, pin or password (this applies for electronic information AND paper documents)

Your customer’s personal information, in case of a data breach, is still your responsibility.  If data in your care, custody and control is lost, stolen or damaged, you could subjected to a lawsuit against you.  There are also very specific laws regarding your responsibilty to then notify customers about the loss of their property (their personal information).  Contact Us if you’d like to know more.