Category Archives: Business Products & Services

Save Money and Minimize Risks with the Right Fleet Insurance

Having the right insurance coverage is a common concern among all drivers. If you own your own business and happen to rely on vehicles to properly serve your customers, your worries most likely mount with each member of your mobile workforce. While having inadequate coverage is an expensive mistake, being over-insured could prove to be just as costly in the long run.

How Much Coverage Do I Need?

Unfortunately, this is an extremely convoluted question with no universal answer. Your coverage needs depend on a number of factors and will be unique to your business. Some of the finer points to consider include:

  • How Your Fleet is Used: Do you transport people or products? Does your cargo consist of your own revolutionary products or the fruits of other companies’ innovations? Coverage varies by industry and use, so you’ll need a policy geared toward these aspects as they apply to your fleet.
  • Consider Public Mindset: Lawsuits are on the rise, particularly in the personal injury realm. Should your cargo or even bystanders along your daily routes be harmed as a result of your drivers’ negligence, you’re the one who’ll be held accountable. Public liability insurance is a must-have regardless of the types of vehicles in your fleet or the nature of your business.
  • Who Uses Your Vehicles: If you assign drivers to specific vehicles, you’ll need a “named” policy. In the event you aren’t sure of which employee will be behind the wheel of any given vehicle from one day to the next, “any driver” coverage would be the best way to go. Should you choose a “named” policy but end up rotating drivers, you may not be covered if the unexpected arises.

As a little extra bit of advice, factor your employees into the equation during your search for coverage. You can’t control others on the road, but you can choose who is allowed behind the wheels of your company vehicles. Perform a thorough investigation into your employees’ driving records before giving them access to your fleet.

These are only a few of the issues you’ll need to mull over when deciding which coverage is right for your fleet. Having adequate coverage without going overboard is the key to saving money on your monthly premiums as well as out-of-pocket oversights. If you’d like a little help in deciding what’s best for your business, visit here.

Cyber Security Solutions From MonsterCloud.com

The internet is full of threats. There are several different strains of viruses and malware, as well as the threat of hackers that force their way into the system. This puts confidential data at risk and can put the reputation of a company on the line. When a business suffers an attack, they can lose much more than data and money. They could end up losing the confidence of their customers and business partners. CThis could prove to be much more costly than any sum of money. With the help of service providers such as MonsterCloud.com, businesses can get the protection they need. In order to understand how this protection works business owners must first understand the threats they face.

Viruses are an older type of attack. They can be injected by a variety of methods. Experts have shown that viruses can be injected by doing something as simple as opening a picture or video. The sole purpose of a virus is to do damage to the system.

Spyware is a type of virus, but it has a different purpose. Instead of causing damage, spyware collects data and uploads it to a database somewhere on the web. Spyware can also be injected by several methods, but it is much more easily detected using heuristic software.

Ransomware is by far the most recent and dangerous type of virus. The software itself is much more complex and can make it past most security software. This type of virus locks authorized users out of the system and demands payment to unlock the system. It takes special software and skills to remove this type of attack and a recovery plan will be needed to restore the system to working order.

Hackers are by far the worst kind of threat to a computer system. Unlike viruses, hackers can use complex attacks that involve multiple methods at once. Because hackers can react differently, they can make their way through the system more effectively. Most hacking attempts can be thwarted with real-time monitoring services.

There are more types of threats on the internet, so it’s important to be diligent when protecting the business’ computer system. Service providers can offer a thorough evaluation and offer valuable advice that can help prevent attacks and malicious software.