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8 Definite Ways To Get Sick While Traveling

8 Definite Ways To Get Sick While TravelingAmericans only vacation 3.8 days of the year, according to the U.S. Travel Association and because vacations are so short, you’re likely to ruin your entire vacation if you get sick. Solution? Don’t get sick while traveling. Here is a list of eight things NOT to do while traveling!

1. Drink lots of tap water. Most tap water is perfectly fine to drink — if you are a local. For travelers, however, the bacteria found in tap water around the world varies considerably, and your own belly biome may not stand up well to the local bacteria. Buy and drink bottled water only. Beware, however, some establishments reuse old water bottles by refilling them at the tap. You will want to open your water bottle yourself to be sure and don’t forget that ice cubes are typically made from tap water. Unless you’re positive the ice was made with bottled or disinfected water, skip the ice.

It may be obvious, but this tip applies mostly to international travel; water standards throughout most of the U.S. allow you to ignore this advice stateside (as well as in Canada, Western Europe and other developed countries).

2. Eat food washed in tap water. Similarly, if you eat food that was rinsed or washed in tap water (or worse, such as in a washing basin filled with water in which other food was also washed), you are vulnerable to the same bacteria as if you guzzled the water down yourself. This tends to happen most frequently with things like lettuce, onions and other vegetables that come from the ground, need washing and are typically served raw.

3. Rummage around in the seatback pockets of a plane. Airplanes are notoriously filthy, and they’re cleaned far less frequently than you might think; certainly there is no deep cleaning going on during the short period of de-boarding and re-boarding that goes on at most airline gates. Some of the dirtiest places on a plane are the seatback pockets. While you should check out the emergency information at the beginning of your flight, avoid rummaging around in the seatback pocket entirely if you can help it.

Some travelers immediately wipe down everything around their seat with an alcohol wipe, which may be going overboard a bit, but it sure can’t hurt. If that isn’t your style, try to keep your hands away from your face until you have had a chance to clean up after your flight.

4. Drink from unclean or unwrapped glasses in hotel rooms. Hotel sanitation can be a nightmare. Some of us have seen hotel cleaning staff merely wipe out a used glass with a towel, or, even worse, spray some kind of cleaning agent in a glass, wipe it with a dirty rag and put it back on the counter. Germs, chemicals, leftover toothpaste; none of these are good for you. The rule of thumb here: If the glass is not wrapped in a sealed plastic bag, wash it yourself using very hot water, or simply don’t use it.

5. Don’t hydrate, especially while flying. Your body needs water to do pretty much everything, and hydration only gets more important when you are tired, run down and under siege by unfamiliar germs. Dehydration not only makes you more vulnerable to invading bugs, but also makes it harder for you to recover once infected. Keep in mind that coffee doesn’t count as a good choice for hydration. The hydration effect of coffee is a net positive, for example — but it wouldn’t be significant enough for unusual or tough conditions.

6. Alter your diet radically. Switching your diet too drastically can really upset your stomach; for example, if you eat mostly fruit and vegetables at home, jumping into having barbecue or other meat three times a day might not be like a great idea. Dig in on the local stuff, but have a meal or two each day that is a bit more like your home fare. As you spend more time in a place, you can often shift gradually to eating like a local around the clock, but give your gut a couple days to get ready.

7. Skip recommended vaccinations. Before you travel, check the CDC and State Department websites to find out if any specific vaccinations are recommended in the regions to which you are traveling. If so, make an appointment to get them done well before your trip.

8. Don’t do any research on health risks in your destination. Check out the CDC’s destination list for loads of information organized by country. While you can’t safeguard against every possible malady, following all of the above recommendations will significantly reduce the likelihood of getting sick while traveling. For the next time you travel, have a safe, fun and healthy trip!


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Bring On The Self-Driving Cars!

Self-Driving Cars

Bring on self-driving cars! At AMSkier Insurance, we really love innovation. We love seeing dreams turn into reality. We love good ideas that help people be safer. So, these kinds of cars are pretty much a perfect intersection of all of these things. Yes, we’re an insurance company, but we’re not afraid of self-driving vehicles impacting our business. We embrace this idea and hope to see self-driving vehicles on the roads sooner than later.


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Is Your Teen Ready To Drive

Is your teen ready to drive?Is your teen ready to drive? Teenagers are typically anxious to get behind the wheel. Driving offers teens a sense of freedom and independence. Being able to drive is like a tangible symbol that gives teens affirmation that they have grown up and are on their way to adulthood. However, it’s very important for parents to recognize when their teen is indeed ready for this great responsibility. Check these five rules and considerations before you allow your teen to drive.

Meets State Requirements

Of course, your teen needs to meet your state’s requirements to drive. Different states have different driving ages, curfews, passenger limits, etc. Be certain that your teen meets these state requirements.

Your Teen Is Mature & Responsible

Teens reach maturity at different ages. Some teens can be very mature at 14. Others take longer. Mature teens know how to manage frustrations, are able to stay calm in challenging circumstances, can disagree without being disagreeable, and are willing to learn from others and is not ashamed to seek advice and wisdom from parents, teachers and coaches.

Follows Your Rules

Make sure your teen is following your rules. If they are unable to follow these rules, they are likely unable to follow traffic laws. The rules can include anything from not allowing other passengers in the car to calling home once they’ve arrived at a destination. If your teen doesn’t demonstrate responsibility, by accepting and following house rules, they may not have the maturity necessary to get behind the wheel.

Does Not Use Phones While Driving

Parents should implement a strict “No Cell Phone” rule while teens are driving. They can stop, park and then call or text back if it is urgent.

Is Prepared For the Costs

It’s important that both you and your teen are prepared for the financial burden that accompanies the privilege of being able to drive. Many parents insist that their teen keeps a job while they drive, so that they may take some responsibility for the cost.

Every time your teen drives, you are essentially entrusting your home and assets to them. Just because a teen has reached the youngest age at which they could get a license, does not entitle them to drive. Teens change and grow quickly. Often, it is just a matter of six months before a parent begins to feel more comfortable with allowing their teen to drive.


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5 Reasons You Need Cyber Liability Insurance

5 Reasons You Need Cyber Liability Insurance

Cyber LiabilityCyber criminal acts on small businesses are growing, some experts say. Sixty percent of all online attacks in 2014 targeted small and midsize businesses, according to Timothy C. Francis, enterprise leader of cyber insurance at Travelers.

“Smaller companies are easier to hack,” said Clay Calvert, director of security at MetroStar Systems, a Virginia-based firm. “They don’t have the resources to set up protective barriers.” Big companies, which have the financial resources to upgrade their security, have become less vulnerable.

Imagine for a moment that your company has come under attack by a skilled hacker. The hacker has accessed your customers’ names and contact information–and worse–your employees’ social security numbers. On top of that, your website is disabled so that you can’t take orders or collect the payments you need to stay in business.

Wouldn’t it be nice to have cyber liability insurance right about now?

Insurance that protects you in case of a cyber attack may seem like something only large corporations would ever need, or could ever afford. But believe it or not, cyber liability insurance makes lots of sense for small companies as well. Here’s why:

1. It’s more affordable than you think.

Here at AMSkier Insurance, one of our business insurance agent partners, Kim Latsch states, “we’ve written quotes for small non-profit organizations for just $1200. Cyber Liability Insurance is very important, because when something happens you’re surrounded by experts in the field. They are able to help you get done what needs to get done. Every state has its own set of rules, so it’s nice to have an organization to not only pay the bills, but to help you take the right steps.”  Other businesses may need coverage as high as $30 million and deductibles as low as $10,000, depending on your needs and what you’re willing to pay. Cyber liability insurance is still a fairly new concept, so there’s a lot of variation among policies, and room for negotiation.

2. It can cover more than you think.

Many policies offer “first party” coverage–that is, they will pay you for things like business interruption, the cost of notifying customers of a breach, and even the expense of hiring a public relations firm to repair any damage done to your image as a result of a cyber attack. Having this cash available in the event of a crippling hack can keep the lights on till you’re able to resume your normal cash flow. A good policy can even cover any regulatory fines or penalties you might incur because of a data breach.

Business interruption coverage can be especially important for a small business, which may not be as diversified as a larger one, or have the same financial resources. “If a larger company has one line of business shut down by a data breach, it may be able to depend on its other lines for revenue. A smaller company may only have one line of business.”

3. You probably don’t have a risk management team.

Big corporations have entire departments devoted to analyzing the risks the company could face and helping set policies and procedures to protect against them. You don’t–but a good insurance carrier can perform a similar function.

“There are a couple of ways insurance can bridge that gap,” Miller says. “An insurer might work with a small company to make sure a firewall is in place to protect your network, and make sure you have social media policies that reduce risk.” Your insurer may well be willing to help with these areas because the better protected you are, the less likely you are to have a breach that could result in a claim.

4. Even if you don’t host your data yourself, you’re still responsible.

Is your website and any of your data hosted or stored in the cloud? Take a good look at your contracts: You’re still legally responsible. “There’s a significant risk,” says Karen L. Stevenson, senior counsel at Buchalter Nemer, a law firm with offices in California and Arizona. You can’t fully control how a cloud provider handles your data but an insurance policy can protect you if your cloud provider screws up.

5. Your general policy won’t cover you.

Typically, a general liability policy specifically excludes losses incurred because of the Internet, Miller says. So a good cyber liability policy can pick up where your general policy leaves off.

Make sure your cyber policy covers laptops and mobile devices as well, to give yourself coverage in as many situations as you can. “Work with your broker to integrate cyber liability with your general policy and employment liability policy,” Miller advises. “You want to give yourself the most seamless coverage possible.”

 


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Reducing Employee Theft

Reducing Employee Theft

Business owners and store-owners don’t like thinking about employee theft, but it happens everyday. In order to reduce this risk, store-owners need to surround themselves with staff they can truly trust.  Here are 5 tips to help reduce or cut theft among employees:

1. Run a background screening and a drug test on all potential hires. Employees with drug addictions are at higher risk for stealing to support their habit.

2. Use the buddy system. Theft happens most often when employees are alone. Try having two employees working for both the opening and closing shifts to limit opportunities to steal. Always have refunds and voids witnessed by a second employee or a manager as well. Make sure the two employees on shift together are not best buddies as one may feel they need to cover for the other.

3. Keeping video surveillance system helps deter employees as well as catch theft after it happens. Make sure to include cameras in storage rooms and loading areas as well as in the store. Use high-definition video so you can clearly identify employees and transactions along with allowing integration with facial recognition software.

4. Monitor trash removal. Employees often steal merchandise by concealing it in the outgoing trash and then retrieving it later from the outside trashcan or dumpster. In order to deal with these situations, use clear garbage bags, require all boxes to be flattened and keep dumpsters locked.

5. Get to know your employees. It’s much easier to steal from someone you don’t know very well, but it is much harder to steal from someone with whom you have a relationship. If your employees are going through financial difficulties or experiencing high levels of stress, which can increase the impulse to steal, perhaps you can give them extra work or connect them with a charitable service that can help them. When staff feel like their employers care, they’re more likely to be honest.


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