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4 weeks ago · by · 0 comments

Insurance for Drones

Drone operation does include cyber risks you should understand before you operate your machine.

Remote Takeover

Most drones operate via a Wi-Fi or Bluetooth connection through your smartphone or tablet. The connection may not be secure, though. A hacker can jam, intercept or terminate the connection or GPS, take over your drone and steal it or crash it into something.

Malware

The computer or mobile device you use to operate your drone could become infected with malware. It can affect the connection to your drone and cause the machine to crash and potentially cause physical or property damage.

Access Photos or Videos

A camera attached to your drone can transmit stunning photos and videos from the air. These images are usually transmitted over an unsecured FTP server which a cyber attacker could access and share. This privacy breach is your responsibility.

Ways to Protect Your Drone

Protect your drone from cyber crime when you take several steps.

Ask the seller about their cybersecurity measures.

Most drone sellers include the machine’s cybersecurity information on their website. If you can’t find it, contact the company for additional information.

Test your drone’s security.

Hire a cybersecurity professional to test your drone and ensure it’s safe from cyber threats.

Connect to your drone via radio control.

Use a secure radio control connection since Wi-Fi and Bluetooth connections rely on unencrypted data links that are vulnerable to hackers.

Subscribe to a VPN service.

A Virtual Private Network (VPN) encrypts your internet connection and protects it from hackers.

Install a seL4 operating system.

Equip your drone with new seL4 OS technology. This operating system isolates various functions on the drone, preventing a hacker from taking over your machine.

Install an anti-virus program.

Reduce viruses, malware and other threats when you install protective programs on your computer or mobile device. The most secure programs provide real-time antivirus and anti-theft protection.

Vary your flying habits.

When you fly your drone in the same flight paths and at the same time every day, you make yourself vulnerable to hackers. Instead, vary your flying habits and throw hackers off your trail. Consider flying in remote locations, too.

Purchase drone insurance. Call us.

A drone insurance policy provides you and your drone with important coverage. Look for a policy with:

  • Broad, legal and premises liability coverage
  • Personal injury and medical expenses
  • Hull coverage
  • Extra equipment coverage for any on-board cameras, tools and equipment
  • Invasion of privacy

Your drone is vulnerable to several cyber risks. Know the risks and how to stop them so you can enjoy your drone and keep it secure.

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1 month ago · by · 0 comments

Aug 13 is Left-Handers’ Day, Tips To Prevent Carpal Tunnel Syndrome

If you’re one of the 10 percent of Americans who are left-handed, August 13 is your day to celebrate. It’s also the perfect day to learn how to prevent carpal tunnel and keep your wrists strong and healthy.

What is Carpal Tunnel?

Between your thumb and ring finger, a median nerve controls the majority of your hand’s movement and feeling. The carpal tunnel area surrounds this nerve. If it swells, you’ll experience tingling, numbness, pain and weakness.

Who’s at Risk?

Anyone who performs repetitive tasks could develop carpal tunnel syndrome. So, if you type, play sports or an instrument, sew, assemble products or drive, you’re at risk. Certain health challenges, including inflammatory disease, diabetes, Lyme disease and ganglionic cysts, also increase your risk.

How do you Stop Carpal Tunnel Syndrome?

While icing your hands can reduce swelling, you’ll also want to limit wrist movement by changing the way you perform repetitive tasks. You can also perform exercises that strengthen your hands and wrists while reducing pain.

  • Hold your arms in front of you and point your fingers toward the ceiling. Hold the pose and count to five, then relax your arms to your sides. Make fists and bend them toward the floor until you count to five. Relax your hands and wrists again before repeating these steps 10 times.
  • Hold your left hand out with your palm facing away from you. Use your right hand to pull your left fingers toward your body. Repeat with the right hand.
  • Place your hands together as if you were praying. Turn your wrists until your fingers point toward the floor. Breathe deeply, hold for 5 seconds, press your palms more firmly against each other and hold until you feel your wrists stretch.

If the pain continues, see your doctor. Your Human Resources manager can verify if the exam, tests and any special equipment are covered as you protect your hands and wrists while celebrating Left-Handers’ Day.

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1 month ago · by · 0 comments

Workers’ Compensation (Insurance) for Water Sport Businesses

With the Olympics in it’s third week and summer in full swing here, it’s a good time to talk about insurance coverage for water sports businesses – specifically works compensation. Owning a water sport business can be fun and a good investment, but you need to hire employees to help the business run smoothly. Be sure you purchase adequate Workers’ Compensation to cover your employees and protect your assets.

Covered Water Sport Businesses

Your water sports business could encompass dozens of activities in, on or near water. Whether you offer one or several sports, you will need Workers’ Compensation for your business. Example of water sports offerings include:

  • Fishing
  • Boating, Sailing, Yachting
  • Kayaking, Tubing, Canoeing
  • White Water Rafting
  • Jet or Water Skiing
  • Parasailing
  • Kneeboarding, Skimboarding
  • Kitesurfing, Kiteboarding
  • Hoverboarding, Flyboarding, Wakeboarding
  • Paddleboarding, Paddle Surfing
  • Snorkeling or Scuba Diving
  • Swimming and Diving
  • Polo
  • Surfing

What is Workers’ Compensation?

Many states require business owners to purchase Workers’ Compensation for employees, including seasonal and temporary workers. It pays certain expenses employees incur if they are injured or suffer an illness while performing work-related tasks.

Workers’ Compensation benefits can pay for:

  • Medical care
  • Lost wages
  • Death benefits
  • Vocational rehabilitation

Every Workers’ Compensation insurance policy has two parts.

Part One or Coverage A addresses your statutory liability, meaning the coverage your state requires you to carry. It includes no coverage limits and will pay all claims regardless of any benefit changes your state makes.

Part Two addresses employer liability for any employees that are exempt from Worker’s Compensation coverage. These employees could include independent contractors like boat owners or dive instructors who do not purchase their own Worker’s Compensation policy. Part Two can also cover legal expenses from third-party lawsuits.

Why you Need Workers’ Compensation for Your Water Sport Business

Whether your business operates year-round or seasonally, you value your employees and want to protect them from injuries or illnesses. However, accidents happen. You will want to provide financial resources that help your employees navigate their recovery and return to full health and work as quickly as possible.

Adequate Workers’ Compensation protects your business, too. It can protect your assets if you are sued by an employee, and it can pay legal expenses related to any lawsuits. Workers’ Compensation coverage also protects you from fines levied by your state if you don’t purchase adequate coverage.

Contact Your Insurance Agent

For more information on Workers’ Compensation for your specific water sport businesses, contact your insurance agent. He or she will assist you in understanding and complying with your state’s Workers’ Compensation laws. Your agent will also help you purchase the policy that’s right for your business and needs.

With the right Workers’ Compensation policy, you receive peace of mind. It protects your employees and your assets as you help your customers have fun while playing on the water.

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Scurich Insurance Services
Phone: (831) 661-5697
Fax: (831) 661-5741

Physical:
783 Rio Del Mar Blvd., Suite7,
Aptos, Ca 95003-4700

Mailing:
PO Box 1170
Watsonville, CA 95077-1170

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(831) 661-5697

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