In early September, the credit reporting agency Equifax announced a significant data breach. Hackers were able to access the names, birth dates, Social Security numbers and addresses of 143 million consumers, which put their identity and credit at risk. A credit report freeze is one protective measure Equifax recommended. Every consumer, including you, should understand this protective measure as you protect your data, identity and credit.

HIDDEN LIABILITIES IN MERGERS AND ACQUISITIONS by Arthur Parry Increased financial benefits coupled with regulatory restrictions have caused many organizations to merge, acquire or...

HIPAA AND GROUP HEALTH BENEFIT PLANS by Judi Newman Beginning April 14, 2003, the Health Insurance Portability & Accountability Act (HIPAA) will require many employers, most health ...

HIPAA AND SMALL GROUP HEALTH PLANS by Judi Newman The most overlooked and under addressed group for HIPAA Privacy Rule compliance is 'small group health plans.' TheSince small hea...

MANAGING RISK: A GUIDE FOR YOUR BUSINESS CLIENT Part 3 of 4 RISK RETENTION Everyone retains risk. Most car owners have a collision deductible of at least $100. Owners of $200...

SAMPLE CLUSTER AGREEMENT This template, developed by a leading attorney, covers all the bases. AGREEMENT made and entered into this ___ day of ____________, 19__,...

SAMPLE GRIEVANCE PROCEDURE [Company Name] wishes to provide a comfortable, productive, legal and ethical work environment. To this end, the company wants you to bring any grievances you have about th...

THE AGENCY 'X-FACTOR' by Al Diamond Why some agencies struggle to succeed, while others glide to success. It seems that we constantly ask ourselves...

COMMERCIAL INSURANCE NEW BUSINESS PROCEDURE 1. Change computer file from prospect to customer if necessary and update information in customer's computer file. 2. Input coverage and...