What could be more educational than a trip to a foreign country? Students can put what they’ve learned in language class to the test. They can see historical sites they’ve only read about. Even trying new foods, riding a bus or subway, or buying something in a store can stretch them educationally in ways no classroom could.

As a contractor, do you need professional liability coverage? Many assume the answer is no, and respond with reasons such as:

Have you been following proper procedures for injury and illness recordkeeping and reporting? OSHA announced an update to the rule in September 2014 and changes went into effect on January 1, 2015. Even though it has been over a year since the rule change, it is important to take time and ensure your organization is in compliance each year.

Today we’re sharing insight from guest blogger, KSM Consulting, a business and technology consulting firm. We hope you enjoy their insight and wisdom on managing cyber risks.

"Host employers need to treat temporary workers as they treat existing employees. Temporary staffing agencies and host employers share control over the employee, and are therefore jointly responsible for temp employee's safety and health. It is essential that both employers comply with all relevant OSHA requirements."
- David Michaels, Ph.D., MPH, Assistant Secretary of Labor for Occupational Safety and Health

From all of us at Gibson, we wish you the safest of holidays and prosperity in the new year!

Each year OSHA releases the 10 most frequently cited standards. Many of the same standards have found themselves on this list in recent years. The penalty for violating these, and any, OSHA standards is about to increase for the first time since 1990.

You’ve taken the time and effort to put together a comprehensive business continuity plan. But is it going to work? Unfortunately, most organizations have no idea if their plan will work until it is too late. According to the Disaster Recovery Preparedness Council, 23% of companies surveyed never test their plans.

This is a time of giving thanks. At Gibson, we are thankful to have tools and resources to help you identify exposures and manage your organization's risks. We are also grateful to have a claims team who is there to assist when losses do occur. I may be a little biased, but I think our claims team rocks! 

This Thanksgiving, our claims team is sharing some unfortunate claims scenarios. These will make you thankful for having people on your side, people to help you protect what matters most!

As of October 1, 2015, the liability for credit card fraud shifted to the merchants who have yet to update their card reader technology. It isn’t a mandated deadline; it is technically voluntary for you to replace old card scanners with new EMV technology. In fact, leading up to the October 1^st deadline, only about 5% of all merchants were compliant. But if you have yet to become EMV-compliant, you are exposing your organization to risks.