Captcha AntiSpam Security

Public Wi-Fi allows your team to stay connected on the go, but it can be insecure. Cybercriminals may log into a free network and try to access data on your devices, including login credentials or confidential client files. Exercise caution and follow smart practices when using a laptop, tablet, or smartphone on public networks.

Verify the network name

Before you connect, confirm the network’s name with an employee or the business. Attackers sometimes set up malicious networks with generic or misleading names like “Free Wi‑Fi” or names that mimic the establishment to lure users and enable man‑in‑the‑middle attacks.

Turn off file sharing

File sharing makes collaboration easier, but it also exposes files to others on the same network. Disable file and printer sharing on your device before joining public Wi‑Fi to reduce the risk of unauthorized access.

Use a VPN

A virtual private network (VPN) encrypts the connection between your device and a remote server, protecting data in transit. Consider reputable paid or free VPN options and install the VPN client on devices your team uses when working remotely.

Check for HTTPS

Look for HTTPS and a lock icon in the browser address bar before submitting sensitive information. HTTPS helps protect data between your browser and the website; you can also use browser extensions that enforce HTTPS for extra protection.

Enable two‑factor authentication

Two‑factor authentication (2FA) adds an extra step to logging in by requiring a one‑time code or approval from another device. If a password is compromised, 2FA helps prevent attackers from accessing accounts.

Update software

Keep your operating system, browser, and apps up to date to benefit from security patches. Install updates when connected to a trusted network and avoid downloading large updates while on public Wi‑Fi.

Forget the network

When you finish using public Wi‑Fi, sign out of websites, disconnect, and tell your device to forget the network. This prevents your device from automatically reconnecting the next time you’re nearby.

Limit your activity

Avoid accessing or transmitting highly sensitive work data over public networks. Save confidential work for a secure network whenever possible, and educate employees about safe habits and company policies.

If your organization needs guidance about public‑entity risks, see Public Officials/Public Entity Program for related resources and support.

Your company may rely on public Wi‑Fi to stay productive, so encourage employees to follow these steps and to report suspicious networks or activity. If you want to review options for coverage or discuss risk management, talk to an agent.

For information about insurance options tailored to local government organizations, see Public Entity Insurance for Counties, Cities, Villages and Townships.

Frequently Asked Questions

How can a VPN protect me on public Wi‑Fi?

A VPN encrypts the traffic between your device and the VPN server, making it much harder for attackers on the same network to intercept your data.

Is HTTPS enough to keep me safe?

HTTPS protects data in transit to a website, but it does not secure your device from other network threats; combine HTTPS with a VPN and updated software for better protection.

Should I use public Wi‑Fi for banking or client work?

It’s safer to avoid banking and highly confidential work on public Wi‑Fi; wait until you’re on a trusted network or use a secure VPN if you must connect.

What should I do if I think my account was compromised after using public Wi‑Fi?

Change your passwords from a secure network, enable two‑factor authentication if not already active, and notify your IT department or service providers as needed.

Established in 1990, the Americans With Disabilities Act (ADA) protects people with disabilities from discrimination. The term “disabled” applies to anyone with a physical or mental impairment that substantially limits a major life activity, and ADA rules apply in the workplace and in most public spaces. Learn how your small business can comply with ADA requirements, protect your employees and customers, and reduce the risk of costly lawsuits.

Challenges of ADA compliance for small businesses

ADA requirements can change and can be complicated to apply to an older building or a small operation. Small-business owners often lack the time, staff, or technical expertise to stay current with accessibility standards.

Noncompliance can lead to fines, lawsuits, lost customers, and difficulty retaining employees. Addressing accessibility proactively is usually less expensive and disruptive than responding to a legal claim.

Ways to become ADA compliant

• Assess your specific risks. Perform an on-site ADA assessment to identify barriers such as non-compliant entryways, signage, or fixtures that are out of reach. If your building was constructed before certain accessibility rules took effect it may have different obligations, but an assessment is still needed to determine the current requirements.

• Correct non-compliant areas. After identifying issues, hire an architect, contractor, or certified ADA specialist to make the required changes. Your small business may qualify for tax credits or deductions that offset renovation costs. If you operate a restaurant, consider industry-specific guidance such as Theme Restaurant Insurance when planning changes.

• Beware of drive-by lawsuits. Some plaintiffs look for visible accessibility violations and file quick lawsuits. You cannot eliminate that risk entirely, but fixing obvious barriers and documenting repairs reduces exposure.

• Purchase adequate business insurance. A commercial general liability policy does not prevent an ADA claim, but it can help cover defense costs. Consider additional coverages and consult resources like Runabouts Insurance Guide for examples of niche coverage considerations that may apply to specialty equipment or operations.

Hiring professionals and coverage considerations

When hiring contractors or designers for accessibility work, choose professionals familiar with equal-access requirements. For construction or transportation-related accessibility projects, you may find useful information in ADA Transportation Compliance Contractors Insurance.

Talk with your insurance representative to understand which policies and limits fit your risks, and document all repairs and maintenance. You can also talk to an agent to review coverage options and replacement-cost planning.

For more information on ADA compliance, contact the Department of Justice’s ADA Information Line at 800-514-0301.

Frequently Asked Questions

What is the first step for a small business to become ADA compliant?

Start with an on-site ADA assessment by a certified specialist or an architect experienced in accessibility to identify specific barriers and required fixes.

Can I be sued for minor accessibility issues?

Yes; plaintiffs sometimes file claims over visible violations, so addressing obvious barriers promptly reduces the likelihood of a claim and strengthens your position if one occurs.

Are there financial incentives to make accessibility improvements?

Small businesses may qualify for tax credits or deductions for renovations that improve accessibility; consult a tax professional for details.

Do older buildings have different ADA obligations?

Some buildings constructed before certain rules took effect may have different requirements, but an assessment will clarify what updates are needed under current standards.

Competitive risk challenges many businesses, especially during the holiday season. Prepare now so you’re not scrambling later.

Be Prepared

Instead of waiting until closer to the holidays to learn what competitors are planning or which promotions worked best in the past, do your research now. Collect past sales data, monitor competitor promotions, and set clear goals for the season.

Please your Customers

Ask customers what they want via social media, in-store feedback cards, or email surveys. Learn whether they want new products, complimentary gift wrapping, or bundled offers, and use that input when planning promotions.

Embrace Innovation

Don’t be afraid to try something new this year. Thinking outside the box can give you an edge over competitors who repeat the same tactics annually.

Add New Locations

The holiday season is a good time to test new locations. Rent a kiosk at a mall, set up a temporary booth inside a complementary business, or launch a short-term online storefront. If you participate in seasonal events, consider coverage options specific to those venues such as Holiday Festivals Insurance.

Price Products Fairly

Discounts attract shoppers, but cutting prices too deeply can harm profits. Aim for fair pricing that offers customers value while preserving margins.

Offer Bundles

Many customers like bundled deals. Group complementary items or add a small service to increase perceived value and encourage larger purchases.

Start a Subscription Service

The holidays are ideal for selling gifts that keep giving. A subscription or membership purchased during the season can generate recurring revenue and encourage repeat business into the new year.

Revamp your Website

Consumers increasingly research and shop online. Ensure your site is mobile-friendly, easy to navigate, and optimized for checkout. For guidance on loss prevention, cybersecurity, and workplace safety while selling online or in-store, see Retail & Workplace Risk Management: Loss Prevention, Cybersecurity, Safety Incentives, Hazardous Materials.

Show Gratitude for Competition

Competition motivates improvements in product quality, customer service, and operational efficiency. Use it as a prompt to refine your offerings and reduce unnecessary costs.

If you offer seasonal services—like holiday lighting or installations—review service-specific insurance options such as Holiday Light Installer Insurance to manage risks unique to that work.

Competitive risk can influence whether your holiday season succeeds. Manage that risk by preparing early, listening to customers, and protecting your business. If you need help evaluating options, talk to an agent.

Frequently Asked Questions

How far in advance should I prepare for the holiday season?

Start planning at least a few months ahead to research competitors, test promotions, and update inventory and website functionality.

Are bundles better than discounts?

Bundles can increase average order value without eroding profit margins as steep discounts might, especially when bundled items are complementary.

Should I try a temporary location during the holidays?

Yes—short-term locations let you test new markets and reach customers who might not otherwise find your business.

What basic website updates matter most for holiday shoppers?

Ensure fast load times, mobile responsiveness, clear product pages, and a smooth checkout process to reduce abandoned carts.

April is Sexual Assault Awareness Month, and your workplace must be safe for employees, vendors and customers. Make time this month to refresh your understanding of sexual harassment as you prevent sexual assault and create a safe work environment.

Define sexual harassment

Sexual harassment includes any unwanted sexual advances such as offering a work benefit in exchange for sexual favors, inappropriate touching, unwelcome or intimidating behavior, offensive jokes, and inappropriate decor. Federal and state laws prohibit any form of sexual harassment.

Know your role

As an employer, you are responsible for preventing sexual harassment and creating a safe work environment for all employees. A harassment-free workplace improves morale and productivity and reduces liability.

Write a clear anti-harassment policy

Your employee handbook should include a comprehensive anti-harassment policy that outlines:

• The definition of sexual harassment
• Your zero-tolerance policy
• Reporting procedures
• Investigation process
• Disciplinary action
• Anti-retaliation details

Consult your attorney to ensure the policy meets or exceeds federal and state requirements and covers all your bases.

Conduct frequent training sessions

Schedule annual or more frequent training to ensure employees understand the definition of sexual harassment, your company's official policy, how to report it, and ways to prevent it. Trainings should be mandatory for all employees, including supervisors.

Ensure leadership complies with the zero-tolerance policy

Supervisors and managers must model appropriate behavior and follow your policy when handling complaints. Leaders set expectations and must be trusted to respond consistently and promptly.

Monitor employees

You can monitor email and other electronic communications and observe behavior to identify and stop inappropriate conduct. Encourage employees to report concerns and consider protections that reduce exposure, including appropriate insurance such as Assault and Battery Insurance when relevant.

Clarify the reporting procedure

Despite prevention efforts, harassment may occur, so clarify the reporting procedure and empower victims and witnesses to report improper actions. Employees should know who to contact, what information to share, and how to report harassment by a direct supervisor.

Define consequences

Every employee should know the consequences of sexual harassment and be confident that they will be applied consistently. To protect your organization, consider options such as Sexual Harassment Insurance (Workplace) or Sexual Harassment Defense Coverage to help manage legal costs and investigations.

Create a safe culture

Your company culture should reinforce your policies: no crude or offensive jokes, no inappropriate activities at after-work events, and no tolerance for improper actions. Consistent enforcement and visible leadership commitment make the policy effective.

To compare coverage options and next steps, talk to an agent.

Frequently Asked Questions

What counts as sexual harassment in the workplace?

Any unwelcome sexual conduct that affects employment, unreasonably interferes with work performance, or creates an intimidating or hostile work environment may be sexual harassment.

What should a strong anti-harassment policy include?

A strong policy defines prohibited behavior, explains reporting channels, describes the investigation and discipline process, and includes anti-retaliation protections.

How should employees report harassment?

Employees should follow your company’s reporting procedures, which typically include notifying a supervisor, human resources, or another designated contact and providing details about the incident.

Can an employer monitor employee communications to prevent harassment?

Employers may monitor workplace communications within legal limits to detect inappropriate behavior, but monitoring should be done in line with privacy laws and company policy.