Coverage

Electronically Stored Information

All businesses deal with Electronically Stored Information (ESI). It consists of documents that are kept in a paperless rather than a paper format. Therefore, it can consist of, well, nearly anything such as bills, receipts, contracts, correspondence, orders, internal memos (e-mails), payroll records, tax records, and so on. For various reasons, you may be required to reproduce and share information. The requirement may come from a customer, the IRS or, from someone who is suing you. It is the latter circumstance that has made ESI so prominent.

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Entertaining Exposures

From the smallest towns to the largest cities; there’s the repeated scene of a bar or club filled with people. They gather to eat, drink and to be entertained. Three sources of entertainment are still quite popular: live bands, DJs and karaoke. While many performers who provide these services do so full-time, the vast majority don’t. In fact, many such performers treat their activities as hobbies instead of businesses and that can create problems.

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Personal Injury

Unlike accidental events that result in a person suffering a serious injury (called bodily injury) or property that is damaged or destroyed (called property damage), personal injury usually involves one person’s alleged interference with another person's legal rights. It also applies to incidents that harm another person's reputation.

Personal Injury commonly includes acts such as the following:

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Insurance Perils

If you have ever read the insurance policy for your home or rental property, you probably ran head-first into the terms "hazard," "peril," or "cause of loss." These are events that are covered by your insurance. This three-part article explains these terms.

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Identity Theft

ID theft is a form of fraud that has been around for as long as there have been dishonest people. It is a high-profile problem because technology has created many more opportunities for this crime. Credit cards, funds transfer cards; ATMs, debit cards, smart cards, wireless payments, slipshod business practices and the Internet have all combined to make identity theft a major problem for individuals and businesses.

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