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Education Blog

Check out our Education Blog for articles on insurance, safety and risk for you, your family or your business.

How to protect your business against “Smishing”

November 29, 2022

Most businesses and individuals are familiar with phishing, which entails cybercriminals leveraging fraudulent emails to manipulate recipients into sharing sensitive information, clicking malicious links or opening harmful attachments. While these scams remain a pressing concern, a new form of phishing—known as smishing—has emerged over the years. WHAT IS SMISHING? Smishing relies on the same tactics…

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A Little Help: Avoiding Pitfalls in Hiring Domestic Assistance

November 16, 2022

In the age of the two-income household there’s been much greater demand for domestic help to do the things homeowners don’t have time (or perhaps the desire) to do, like housekeeping, gardening, cooking and child care. Having a little help can be, well, a big help … but there are potential pitfalls. Here’s how to…

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Bang for Your Buck: Getting the Most Out of Employee Benefits

November 15, 2022

Employee benefits have always been a vital part of an employer’s offerings, but never more so than in the wake of the pandemic and the Great Resignation. Millions of workers have left their jobs, and while the reasons vary, central among them is the sense that employers don’t care about their team members as individuals.…

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Surety Bonds – Part 2

November 10, 2022

In a previous blog post, we covered the definition and benefits of a surety bond and the 3 types of bonds. If you missed it, here’s the link: How exactly do you obtain a bond? The first step is Prequalification – in other words, does the subcontractor have the following: Capacity to perform tasks…

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Workers’ Compensation: FAQ’s

November 3, 2022

Workers’ Compensation coverage can be confusing. Here are some answers to frequently asked questions: What benefits are available under workers’ compensation? Workers’ compensation benefits are available to employees who are unable to work because of a work-related injury or illness. The injured employee will be indemnified for lost wages as a result of the work-related…

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Cyber Attacks – A Growing Business Interruption Threat

November 1, 2022

When you think about what usually causes a business interruption, natural disasters such as fires, earthquakes and floods probably come to mind first. These events can physically damage your property and equipment, making your workspace unusable for a time. The damages from Hurricane Katrina and Superstorm Sandy are great examples of how a natural disaster…

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Home Security Systems – Do You Really Need One?

October 25, 2022

Keeping your home and family safe should be one of your top priorities. Specifically, it’s important to protect your household from the risk of invasion. After all, a home invasion can have numerous consequences—including stolen or damaged property and the potential for harm to your family. Fortunately, there are several things that you can do…

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Surety Bonds – Part 1

October 11, 2022

Construction can be an extremely risky profession, especially when working with subcontractors to get a job done. Although they are vital in completing a project quickly and efficiently, an unqualified contactor can have a negative impact on the overall project. To combat these risks, learn more about obtaining surety bonds to shift subcontractor failure liabilities…

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Workers’ Compensation vs. Family Leave

October 7, 2022

The Department of Labor (DOL) has issued revised regulations addressing certain situations where the Family and Medical Leave Act (FMLA) might overlap with workers’ compensation coverage. Based on those regulations and a series of DOL letter rulings, here are answers to some frequent questions: Can FMLA leave happen concurrently with a workers’ compensation absence? When…

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What is Business Email Compromise (BEC)?

October 4, 2022

Business email compromise (BEC) is a form of phishing that occurs when a cybercriminal impersonates a legitimate source to trick employees into wiring money, sharing sensitive information or engaging in other compromising activities. Unlike more traditional phishing attacks that target a large group on individuals, BEC attacks are crafted to appeal to specific individuals –…

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Consolidated provides this information for general informational purposes. Nothing on this page is intended to constitute legal advice or to address specific risk management situations. Consolidated is not responsible for any errors or omissions in these entries, nor in the source materials used to create them.

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