Cyber Risk

This week, Anastasi Insurance Agency is focusing on Cyber Risk / Cyber Liability Services. Each day we will be posting new content on Cyber Risk to help you learn more about this very critical issue.

Cyber threats are an increasing concern for businesses of all sizes, yet many businesses lack the resources to protect themselves. In fact, two thirds of businesses do not have a stand-alone cyber insurance policy, and over half have not discussed cyber insurance coverage with their broker within the last year. As cyber attacks continue to become more sophisticated and common, cyber insurance will be an essential part of a business’s insurance coverage package. Cyber Risk should not be ignored.

 

Having a conversation about cyber insurance is not something that should be delayed. In fact, nearly 20 percent of businesses that had not discussed cyber insurance with their broker within the last year had a cyber security incident during that period. As cyber policies continue to become more necessary and commonplace, now is the time to have the discussion and find the correct policy for you.

 

Check out this video on Cyber Risk.

 

In recent years, cyber attacks have emerged as one of the most significant threats facing organizations of all sizes. The Internet and other network operations have created risks that were unheard of less than a decade ago. When cyber attacks (such as data breaches and hacks) occur, they can result in devastating damage, such as business disruptions, revenue loss, legal fees, and forensic analysis and customer or employee notifications. It is important to remember that no organization is immune to the impact of cyber crime. As a result, cyber liability insurance has become an essential component to any risk management program.

Take this quiz to determine your organization level of risk. Contact us today to make sure you are properly covered for your level of risk.

Take The Survey

Tick Explosion! How To Protect Yourself

Massachusetts: Tick Explosion!

Some are calling this summer Tick Explosion! “Ticks are the primary carrier of Lyme disease and according to the latest data from the Massachusetts Department of Public Health, there were more than 8,600 infections in 2017 — a 50 percent increase from 2013. The most infections last year came from Plymouth (1449) Middlesex (1,424), and Worcester counties (1077).”

Before you head out into the great outdoors, you need to be aware of a danger lurking not so deep in the woods—Lyme disease. This bacterial infection is contracted after coming in contact with a deer tick that has feasted off another infected animal.

Healthy Hints

Bacteria from a tick bite do not transmit into your bloodstream for 36 to 48 hours, which lessens your chance of contracting the disease if you find ticks and remove them immediately:

  • Use a tweezers to grab the tick firmly where it has entered the skin.
  • Slowly, yet firmly, pull the tick directly outward.
  • Once the tick is removed, clean the bite thoroughly with a disinfectant and watch the area for any symptoms.

CDC’s Preventative Steps From Tick Bites:

  • Know where to expect ticks. Ticks live in grassy, brushy, or wooded areas, or even on animals. Spending time outside walking your dog, camping, gardening, or hunting could bring you in close contact with ticks. Many people get ticks in their own yard or neighborhood.
  • Treat clothing and gear with products containing 0.5% permethrin. Permethrin can be used to treat boots, clothing and camping gear and remain protective through several washings.
  • Use Environmental Protection Agency (EPA)-registered insect repellents containing DEET, picaridin, IR3535, Oil of Lemon Eucalyptus (OLE), para-menthane-diol (PMD), or 2-undecanone. EPA’s helpful search tool can help you find the product that best suits your needs. Always follow product instructions.
    • Do not use insect repellent on babies younger than 2 months old.
    • Do not use products containing OLE or PMD on children under 3 years old.
  • Avoid Contact with Ticks
    • Avoid wooded and brushy areas with high grass and leaf litter.
    • Walk in the center of trails.

After You Come Indoors

Check your clothing for ticks. Ticks may be carried into the house on clothing. Any ticks that are found should be removed. Tumble dry clothes in a dryer on high heat for 10 minutes to kill ticks on dry clothing after you come indoors. If the clothes are damp, additional time may be needed. If the clothes require washing first, hot water is recommended. Cold and medium temperature water will not kill ticks.

Examine gear and pets. Ticks can ride into the home on clothing and pets, then attach to a person later, so carefully examine pets, coats, and daypacks.

Shower soon after being outdoors. Showering within two hours of coming indoors has been shown to reduce your risk of getting Lyme disease and may be effective in reducing the risk of other tickborne diseases. Showering may help wash off unattached ticks and it is a good opportunity to do a tick check.

Check your body for ticks after being outdoors. Conduct a full body check upon return from potentially tick-infested areas, including your own backyard. Use a hand-held or full-length mirror to view all parts of your body. Check these parts of your body and your child’s body for ticks:

  • Under the arms
  • In and around the ears
  • Inside belly button
  • Back of the knees
  • In and around the hair
  • Between the legs
  • Around the waist

Anastasi Insurance Agency, Inc.

www.anastasiinsurance.com

(508) 248-1440

10 Most Common OSHA Violations in Construction

We have reviewed the most recent statistics from OSHA reveal the top standards cited in the fiscal year 2017 for the construction industry and compiled a list of the top 10 most common violation. We also added the ACV (Average Cost per Violation) – which is the average cost per violation that employers in this industry paid in 2017.

To learn more about each violation, click on the name to be directed to OSHA’s regulations.

Top 10 OSHA Violations in the Construction Industry (establishments engaged in the construction of buildings or engineering projects e.g., highways and utility systems)

1. Duty to Have Fall Protection – $4,717

2. General Scaffold Requirements – $2,747

3. Ladders –  $2,283

4. Training Requirements –  $1,447

5. Eye and Face Protection – $2,270

6. Hazard Communication –  $853

7. Head Protection – $2,230

8. General Safety and Health Provisions – $2,401

9. Aerial Lifts – $2,806

10. Fall Protection Systems Criteria and Practices –  $2,229

 

 

 

Who are we? We are a hand-picked group of insurance professionals that take the time to slow down and understand you and your business. What do we do once we know you? Backed by the region’s largest insurance exchange – with over $600,000,000.00 in written premium – we leverage our buying power with the intimate knowledge of your operation to secure the best prices while ensuring you are properly protected.
During our 20 years, we have forged partnerships with insurance consultants, Workers’ Compensation analysts, legal experts and third-party administrators, all of which enabled us to handle the most complex situations that your business may face.
Anastasi Insurance has been recognized as an industry leader in providing Truckers and Contractors with innovative ways to reduce the cost of insurance while effectively managing risk. We’re here to make sure you’re protected so that you can do what you do best.
At Anastasi Insurance, it’s always Your Business First….

National Safety Month

June is National Safety Month. As an outdoor worker, it is important to take precautions against exposure to sun, heat and bug bites during the summer months.

We have some helpful safety tips for keeping you safe during warm weather

Sun Safety

  1. Wear lightweight, tightly woven clothing that you can’t see through. 
  2. Use sunscreen with a sun protection factor (SPF) of at least 15 blocks 93 percent of UV rays. Make sure to reapply as needed.
  3. Wear a hat that protects your neck, ears, forehead, nose and scalp
  4. Wear UV-absorbent sunglasses that block 99 to 100 percent of UVA and UVB radiation.

Heat

Heat can be a serious health threat during the summer months. Protect yourself in the following ways:

  1. Drink plenty of water before you get thirsty.
  2. Wear light, loose-fitting, breathable clothing such as dry-fit material.
  3. Eat small meals before work activity.
  4. Skip the caffeine and soda; drink water instead.

Ticks

If you’re working in tall grass or wooded areas, take the following precautions to protect yourself from ticks:

  1. Wear light-colored clothing to see ticks more easily.
  2. Wear long sleeves and long pants (tuck pant legs into socks or boots)
  3. Wear high boots or closed shoes that cover your feet completely.
  4. Wear a hat.
  5. Use tick repellants, but not on your face.
  6. Wash and dry your work clothes at high temperatures.
  7. Examine your body for ticks after work, and remove any attached ticks promptly with a tweezers. If you get bit and develop a rash, see your doctor.

Insect Bites and Stings

Bee, wasp, hornet and yellow jacket stings are typically only dangerous to those who are allergic or have been stung multiple times.

  1. Wear bug repellant.
  2. Avoid wearing heavy perfumes or scented lotions.
  3. Check before drinking from cups, bottles or cans. Stinging insects are attracted to sweet drinks.

Be safe and healthy on the job at with these helpful tips provided by Anastasi Insurance Agency, Inc..

RHODE ISLAND HANDS FREE LAW

Hand Held Devices BANNED – Rhode Island

Beginning June 1st drivers will now be issued $100 fine for using cell phones / hand held devices while driving. Holding your cell phone while driving, along with any headphones/ear buds are also illegal.

Sgt. Greg Cunningham, of the Rhode Island State Police said first-time offenders face a hundred dollar fine, but there is a way to get the ticket dismissed.

“In the meantime, since getting your ticket and going to court, you are able to purchase some type of Bluetooth device or something that can help you use the phone hands free. Bring the receipt into court and the judge will waive the fee for you,” said Cunningham.

The State of Rhode Island issued this flyer to explain what is and isn’t allowed:

hand held

 

 

 

 

 

 

 

 

 

 

 

 

Read the full law here: http://www.dot.ri.gov/projects/HandsFree/documents/Hands_Free_Law_Enacted_7-10-17.pdf

 

Over the past 20 years, many businesses have considered us an extension of their own back office, where we have consistently saved them time and money by obtaining comprehensive coverage at the lowest possible cost – year after year. With that, we provide the peace of mind in knowing that your business is properly protected.

Who are we? We are a hand-picked group of insurance professionals that take the time to slow down and understand you and your business. What do we do once we know you? Backed by the region’s largest insurance exchange – with over $600,000,000.00 in written premium – we leverage our buying power with the intimate knowledge of your operation to secure the best prices while ensuring you are properly protected.

The staff at Anastasi Insurance understands the many pressures facing a small business owner today and your need for fast accurate results. From juggling the needs of employees and customers to managing cash flow and staying ahead of intense competition, we are in a unique position to help you evaluate the cost of assuming risk or transferring that risk to an insurance company or surety.

At Anastasi Insurance, it’s always Your Business First….

Reducing Risk for Riders – Understanding Motorcycle Coverages

There’s nothing like the freedom you feel when riding a motorcycle but if you’re on the road, you’re at risk. To ensure you’ve got the coverage and financial protection you need, consider the following motorcycle insurance coverage options.

Liability Insurance Coverage

Required by most states, liability insurance covers bodily injury and property damage that you may cause to other people involved in an accident.

Bodily injury liability – typically covers the other driver or your passenger’s expenses such as medical bills, lost wages, and pain and suffering.

Property damage liability – typically covers the expense of repairing damage to others’ property (vehicles, homes, fences, etc.).

Collision Insurance Coverage

Collision insurance covers damage, minus your deductible, to your motorcycle if you are involved in an accident. Keep in mind, collision insurance usually covers the book value of the motorcycle before the loss occurred.

Comprehensive Insurance Coverage

Comprehensive coverage pays for damages caused by an event other than a collision, such as fire, theft or vandalism. However, just like collision insurance coverage, your policy will pay for damages, minus your deductible, and will cover only the book value of the motorcycle.

Uninsured/Underinsured Motorist Coverage

Uninsured/underinsured motorist insurance coverage covers damages to you and your property caused by another driver who either is uninsured or underinsured to cover your damages. This coverage typically pays for medical treatment, lost wages and other damages.

Optional Equipment Coverage

If you decide to customize your motorcycle, you should look into obtaining additional or optional equipment coverage. Most comprehensive and collision insurance coverages will only cover the factory standard parts on your motorcycle.

Is a “Lay-up” Right for You?

There’s no need to fully insure your motorcycle if it’s stored for an extended period of time. With a lay-up insurance policy, all coverage except comprehensive is suspended for a specified period of time. Ask us for more details about this more affordable seasonal coverage option.

We’re Here to Help!

Call our office today at (508) 248-1440 to learn more about all of our affordable vehicle insurance and personal risk management solutions.

Anastasi Insurance Agency, Inc.

www.anastasiinsurance.com

(508) 248-1440

Gain freedom on the road with the right motorcycle coverage. We can help!

Struck-By Vehicles Safety

According to the US Department of Labor, struck-by objects is another leading cause of construction-related deaths. Approximately 75% of struck-by fatalities involve heavy equipment such as trucks or cranes.

 

OSHA offers some ways in which you can reduce your risk of being struck while on the job:

How Do I Avoid Hazards?

  • Wear seat belts that meet OSHA standards, except on equipment that is designed only for standup operation, or that has no rollover protective structure. [29 CFR 1926.601(b)(9)]
  • Check vehicles before each shift to assure that all parts and accessories are in safe operating condition. [Vehicle Inspection]
  • Do not drive a vehicle in reverse gear with an obstructed rear view, unless it has an audible reverse alarm, or another worker signals that it is safe.
  • Drive vehicles or equipment only on roadways or grades that are safely constructed and maintained.
  • Make sure that you and all other personnel are in the clear before using dumping or lifting devices.
  • Lower or block bulldozer and scraper blades, end-loader buckets, dump bodies, etc., when not in use, and leave all controls in neutral position.
  • Set parking brakes when vehicles and equipment are parked, and chock the wheels if they are on an incline.
  • All vehicles must have adequate braking systems and other safety devices. [Brake Systems]
  • Haulage vehicles that are loaded by cranes, power shovels, loaders etc., must have a cab shield or canopy that protects the driver from falling materials.
  • Do not exceed a vehicle’s rated load or lift capacity.
  • Do not carry personnel unless there is a safe place to ride.
  • Use traffic signs, barricades or flaggers when construction takes place near public roadways.
  • Workers must be highly visible in all levels of light. Warning clothing, such as red or orange vests, are required; and if worn for night work, must be of reflective material.

Keep a constant lookout while you are working. By not fully knowing your surroundings, you are running the risk of being struck by a vehicle or piece of equipment.

 

Your safety matters to us at Anastasi Insurance Agency. Contact us for more safety material to keep you and your employees safe.

 

3 Most Common Motorcycle Accidents and How To Avoid Them

May is motorcycle awareness month and with Memorial Day right around the corner, it’s officially time to dust off your helmet and get out the bike.

The best way to reduce your odds of getting in an accident or injuring yourself while riding your motorcycle is safety gear, stay aware and education.

We’ve laid out the 10 most common motorcycle accidents and how to avoid them below:

1. Car changes lanes in front of you

How to avoid: Motorcycles can easily fit into vehicle’s blind spots. Be aware of where your blind spots are and stay out of them as much as possible. Be aware of the traffic situation ahead; is there traffic ahead in the other lane?

2. Car turns left in front of you

How to avoid: RIDEAPART.com describes how to avoid this perfectly:

 Look for signs that could indicate someone may turn in front of you: a car is at an intersection waiting to turn, there’s a gap in traffic near an intersection, driveway or parking lot. In either situation, slow down, cover your brakes and get ready to take evasive action.

And once you’ve identified said threat, you can work it through levels of severity. Is the driver clearly able to see you, without obstruction from their window pillars, trees or signs? Is that person actually looking? Are they looking at you? How are they situated in the road? What is their speed? Where are their wheels pointing?

Look at their wheels, not the car – they’ll give you the first clue of movement. During all this, also be aware of what’s behind and to your side. Should you need to take evasive action, you’ll need to know your routes of escape. It’s no good braking in time to avoid a turning car, only to be swatted from behind by a tailgating SUV. What’s the road surface like? Is it going to be able to handle the full force of your brakes or are you going to lock them? You do know how to use the full ability of your brakes, right?

Under no circumstances should you “lay the bike down.” Your best chance of survival comes from shedding as much speed as possible pre-collision, and you’re going to be able to do that best with the bike completely upright, using both brakes. Even if you only have time to lose 10 or 20 mph, that could be the difference between going home with bruises and going home at all.

3. Gravel / Road Conditions

How to avoid: Be aware of your surroundings and avoid poor road conditions whenever possible. Be especially aware when coming around a corner.

4. Speeding

How to avoid: Simple…don’t speed. The higher the speed, the greater the impact and the more severe the consequences.

5. Car Doors

How to avoid: Avoid the “death zone” aka between  active traffic lane and parked cars. Not just because of the opening doors thing, but because pedestrians step out, cars pull out so they can see, and for a million other reasons

 

Be Safe Out There! Contact us with any questions

IRP Renewal – Due at the end of JUNE

Massachusetts IRP renewal applications are out!

These are for the apportion plates that expire on the last day of June.

 

FAST FACTS ABOUT YOUR IRP RENEWAL:

If you need an insurance stamp:
1. Complete the form and sign the docs and send the renewal paperwork to us
2. We will stamp the renewal as needed and forward your package off to Boston to be processed.

If you DO NOT need an insurance stamp:
1. Complete the form and sign the documents
2. Mail to the address listed on your renewal paperwork

Please make sure you do this process as soon as your paperwork is received so that you ensure that you get your renewal stickers on time!


Things to remember to make your renewal go smoothly:

• Your MCS-150 needs to be updated every two years!
• Your 2290 tax form for the year 2017-2018 must be paid and          receipt sent with your paperwork.

Need help? Please contact our office if you have any questions!

The International Roadcheck 2018

The International Roadcheck 2018 will take place on June 5-7. Last year during this nationwide event, over 62,000 inspections were conducted!

How confident are you that your drivers and vehicles will pass a roadside inspection during the International Roadchecks?

According to The Commercial Vehicle Safety Alliance (CVSA), CMV inspectors will primarily perform North American Standard Level I Inspections during the event –an examination of both driver operating requirements and vehicle mechanical fitness.

The vehicle inspection includes checking brake systems, cargo securement, coupling devices, driveline/driveshaft components, exhaust systems, frames, fuel systems, lighting devices, steering mechanisms, suspensions, tires, van and open-top trailer bodies, wheels, rims and hubs, and windshield wipers. Additional items for buses include emergency exits, electrical cables and systems in the engine and battery compartments, and seating.

“Although the electronic logging device (ELD) rule that went into effect on December 18, 2017, does not change any of the underlying hours-of-service rules or exceptions, the ELD mandate placed a spotlight on hours-of-service compliance,” said CVSA President Capt. Christopher Turner of the Kansas Highway Patrol. “We thought this year would be a perfect opportunity to focus on the importance of the hours-of-service regulations.”

A couple of things I’d like to highlight for you to prepare you for the International Roadcheck:

  • The emphasis this year is hours of service. However, violations and out-of-service orders can be handed out for non-compliant brake systems, cargo securement, coupling devices, and more
  • 32% of drivers who were found out of compliance were removed from roadways due to violations (think about the loss of revenue for employers or the contracts that will be put in jeopardy)
  • In this 72 hour inspection period, on average 17 trucks/buses will be inspected every minute

 

At Anastasi Insurance Agency, we HAVE resources to help you avoid any violations (vehicle inspection checklists,Guides to DOT vehicle inspection levels, logbook guides etc). We encourage you to contact us to discuss this more.