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...cts first; service provided by unauthorized repair people will void some warra...stress injuries (RSIs) due to heavy computer use. Although you have no legal o...

... : 9. Conduct a monthly security audit on your PBX system. Check authorization codes. 10. Consider buying a PBX protection package. It can help you monitor potentially fraudulent activity, such as repeated searches for a dial tone, and can limit your liability for unauthorized calls. You may be eligible for a discount on toll-fraud insurance if you have a PBX security package. Peter van Aartrijk Jr., CIC, is vice president for communications with the Independent Insurance Agents of America. This article was excerpted from In ACORD Magazine ... that telephone fraud in the United States costs businesses and residences as much as $4 billion per year. Whether you're installing a new phone system or just want to take full advantage of your present system, you should protect your agency from costly phone fraud. While computer hackers may break into telephone systems for thrills, other criminals make a living at it. These lawbreakers often sell their services to retailers' who offer stolen phone-access numbers to drug traffickers or illegal immigrants. This underground service can translate into expensive calls to far-off destinations ... carriers provide users with 24-hour toll fraud monitoring, training, and liability limits. Experts recommend these basic proactive measures to protect your agency against phone fraud: 1. Adopt a prevention program. Use the security measures that your system provides. Change passwords and/or access codes frequently. 2. Most thieves are interested in making international calls, so block calls to countries where your organization isn't involved. That means no one- from the president on down to the cleaning crew-can make the calls. With this option, hackers might ...

...d can limit your liability for unauthorized calls. You may be eligible for a d...

...information and using it in an unauthorized manner to the agency’s detriment. ...ility and/or Professional Liability coverage? Does the insured need contingent Business Interruption coverage? Stay Vigilant! Although the con...

... Telecommuting may make equipment maintenance and service more difficult, particularly when telecommuters are located away from major metropolitan areas. You can avoid some problems by providing telecommuters with training in basic equipment maintenance and repair tasks. Check equipment warranties and service contracts first; service provided by unauthorized repair people will void some warranties. Expect to spend between $1 ,000 and $2 ,000 per year on maintenance. Don't rely on a telecommuter's Homeowners policy. The telecommuting agreement should also address insurance issues. Most Homeowners policies exclude coverage for business ... for employees with disabilities. (See discussion later.) Can create continuity after a disaster. When a disaster, such as earthquake, flood, or fire, destroys your main facility, telecommuters can often continue to work. If telecommuters must access information on company computer networks, you may want to consider having a backup network offsite. RISKS Telecommuting isn't for everyone. Certain jobs lend themselves to telecommuting. Information workers are an obvious choice; manufacturing workers aren't. Professionals comprised the majority (72%) of telecommuters in the ... , also known as telework, uses telecommunications to allow employees to work off-site one or more days a week. Telecommuters can work at home, in corporate-owned satellite offices, or in independent telecommuting centers, which rent space to telecommuters from many companies. There they have access to fax machines, copiers, secretarial services, conference rooms, and other amenities. BENEFITS Telecommuting helps employers in many ways: Reduces overhead. Telecommuters who work at home don't need office space, thus reducing the company's space requirements and energy consumption. Moving employees ...