Page 19 - BusinessWest December 9, 2024

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Artificial
Continued from page 16
management — including hold-harmless, indemnifica- tion, and insurance provisions — is a must.
• Conduct awareness training. All staff should be trained in the use of AI tools and general cybersecu- rity protocols.
• Ensure risk management. An experienced bro-
ker is an invaluable resource to help organizations assess their cyber risk. Organizations should work with their broker to ensure they have the right insur- ance for AI-related exposures, such as cyber insur- ance and intellectual-property coverage.
Contact HUB International’s nonprofit insurance
specialists to learn more about how to protect your- self against AI-related risks and take full advantage of the technology. BW
Timm Marini is president of Personal Lines Insurance at Hub International New England.
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Storm
Continued from page 17
Have a Backup Power Plan
Winter storms often bring power outages. Ensure your business can continue to operate by investing in a backup generator. For businesses that rely on refrig- eration or heating for sensitive products, a power out- age plan is especially critical.
Test Emergency Alarms and Sprinklers
Fire risks increase in the winter due to higher heating demands. Make sure your fire alarms, smoke detectors, and sprinkler systems are in good working order. Test these systems regularly, and keep a clear path to fire exits for safety compliance.
Review Your Insurance Coverage
Reviewing your insurance policies is an essential step in preparing for winter. Make sure you have cov- erage for potential winter hazards, including property damage from snow, ice, or freezing. Having the right coverage can protect your business from unexpected losses.
Create a Communication Plan
In the event of extreme weather or closures, ensure employees and customers are well-informed. Use email, social media, or text alerts to communi- cate closures, delays, or other essential information. This helps manage expectations and ensures every- one’s safety.
Stock Up on Winter Supplies
Be prepared with essentials like ice melt, shovels, safety cones, and emergency supplies. Having these items on hand allows you to respond quickly to win- ter challenges without delays. If possible, designate a storage area to keep winter supplies organized and accessible.
Conclusion
Winterizing your business takes a little time and preparation, but can make a huge difference in pro- tecting your property, keeping operations running smoothly, and ensuring safety. BW
Lisa Eugin is manager of Marketing and Administration at Encharter Insurance in Amherst.
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