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Given the dramatic impact of social media on the speed and delivery of news and information, it makes sense to make this fast-growing technology part of your risk management program. More and more reputational crises — such as the recent stranding of the Carnival Triumph cruise ship — are born on social networking platforms and can grow exponentially if mishandled. Consider how Apple Inc. responded to consumer displeasure with the iPhone 4 shortly after its 2010 introduction. Negative comments about the product spread quickly over social media channels, but were largely ignored by Apple executives until mainstream news outlets began reporting on its flaws. Failing to actively engage social media users in conversations about crisis or business practice of your company means losing an invaluable opportunity to protect your reputation. Otherwise, you risk having other people tell your story. Social media participation gives you a way to enhance this reputation through regular interaction with customers, business partners and the public. Using this tool to develop relationships and help people, rather than just sell products and services, can create some valuable allies. Encouraging your employees to participate in social media offers a great way to use them as advocates for your company. A 2012 poll of more than 1,000 registered voters by Hill+Knowlton Strategies found that a corporation's employees are the second-most trusted source of information about its business practices, second only to friends and family members.

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As a company that sends dozens of mass email campaigns every week - to millions of recipients (mostly Insurance Agents) - I thought I would summarize the many challenges email marketers face. It has become cost and labor intensive for low-cost / low-tech operators to provide this type of service to clients (outsourcing). Many large wholesalers that invest in taking this function in-house, realize over time, that mass email marketing is no longer as easy as it was years ago (or seems on the surface) - cloud spam filters, technology issues, low engagement rates, etc. have made this very difficult if you do not know what you are doing.

The spread of social media has revolutionized not only the way we connect with friends and family, but also how we conduct business. However, this asset can quickly turn into a liability if misused - for example, in recruiting your company's most valuable asset - its employees. Many employers begin the hiring process by using social-media outlets to screen applicants. LinkedIn and Facebook can provide a wealth of information about applicants' education, their friends, and their personal behavior. Some companies reject candidates based on the content of their social-media pages. This might include anything from inappropriate photos or comments, discriminatory or slanderous statements, and references to alcohol and substance abuse, to sharing confidential information about their previous employers(s), displaying poor communication skills, or exaggerating their qualifications. Although all of these indicators raise red flags, you could be risking a costly and annoying discrimination lawsuit if you access social-media sites which contain protected class information that's not privileged in the normal hiring process. To minimize this risk, it makes sense to: When hiring, use outside third parties such as background-verification companies and/or recruiters who document content from social-media sites in selecting candidates Develop and enforce a comprehensive social-media usage policy. Purchase an Employment Practices Liability Insurance (EPLI) policy For more information, please feel free to get in touch with our agency

...ees are fit for the job, the right tools and equipment are on the job, but the...

...ees are fit for the job, the right tools and equipment are on the job, but the...