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Business to Business Newsletter
February - 2010
In This Issue
Home Based Businesses
Social Media Guidelines
Email & Internet Oversight Policies
Running a Home-Based Business?    You Need a Small Business Policy
Question Mark 
Like most new home-based business owners, you might believe that your Homeowners or Renters insurance coverage offers sufficient protection. That is unfortunate, because in most instances these policies offer little to no coverage for business-related losses.

Homeowners policies are not designed to cover business losses. Most offer a small amount of business property coverage, meant to cover incidental items, such as a computer used for office work.

Depending on your business, you might be able to...
 
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Follow-up Links
 
 
Greetings!
 
 

VancouverThe Olympic Games are off to a great start. I trust you are enjoying them as we are! I'm not sure what it is, but there's something about seeing the world come together for this event that makes it even more exciting. National pride swells, and I find myself thrilled for the winners, even if they aren't from my home country (although I love it even more when they are!)

 

So far, the games have been filled with the unexpected. Our hearts go out to the family of Nodar Kumaritashvili, whose tragic death during luge training cast a shadow over the Vancouver Olympics. During the opening ceremonies, there was that  (very) pregnant pause as a piece of the set failed to rise from the stadium floor, keeping speed skater Catriona LeMay Doan from using her torch. And after four years of waiting to see Lindsey Jacobellis redeem herself after her showboating cost her the gold in 2006, who would have guessed that she would wipe out and disqualify herself from the medals run?

 

As the Games illustrated this week, life is filled with the unexpected. Things happen that are out of our control, and that can leave us feeling fairly insecure. We may not know exactly what the future holds, but here at Mason & Mason, we do our best to prepare you for the unexpected by providing you with coverage that meets your needs, at an affordable cost. Our strategic planning and foresight free you up to chase your dreams. Let us worry about the unexpected... you concentrate on going for the gold, whatever that means to you. What's your dream?

 

Thank you for trusting M&M with your dreams. We're honored to be partners with you in your journey for success. Have a great month!

 
David Mason, President
Mason & Mason Insurance Agency
M&M Assurance Group
 
 
P.S. Don't forget to check out our website! We're at www.mmins.com. Just click the "Clients" tab at the top of the page and enter the site with username: "Client" and password: "INFO4U". Happy browsing! If you have any questions, give us a call at (800) 298-0802. We'd love to hear from you!

Employers Must Establish Social Media Guidelines for Employees
 
Keyboard
Business use of social media tools (also known as "social networking tools") has taken off in recent years. Organizations of all types and sizes are reaching out to customers with blogs, podcasts, networking Web sites such as Facebook and LinkedIn, and micro-blogging services like Twitter. These technologies are new and exciting, and present vast new opportunities for publicizing a brand. However, a business using any new technology assumes certain risks. Employees using them could allow confidential information to slip. They might post text, pictures, or videos that embarrass the organization. Individuals outside the organization could post negative comments on the organization's blog or Facebook page. To minimize these risks, every business using these technologies should develop social media use policies.
 
The first thing managers must decide is how they feel about social media -- do they favor it for business use, consider it a personal pastime for employees to use only on their own time, or are they ambivalent about it? Management's attitude toward these sites will shape the resulting policy. With that decided, there are several other issues managers must consider for the policy.
 
  • What exactly does the business mean by the terms "social media," or "social networking"? Is it just Facebook, LinkedIn, and Twitter? Is it other blogging sites, such as Live Journal? Does it include blogs on newspaper and business news Web sites? What about business-related podcasts, including video podcasts? Before managers can set rules for using social media, they must decide what social media is.
     
  • Should the organization permit employees to identify themselves as employees on these sites? Anything employees say or do...





  • Employees' Online Activities May be Risky for Your Business
    ModemDid you know your business is liable for how your employees use the Internet while they're on the job? Many business owners protect themselves by monitoring their employees' e-mail and Internet usage, including instant messaging.

    Some employers are reluctant to implement an e-mail and Internet oversight policy. But monitoring e-mail communication and Web surfing has become an important part of protecting your business.

    Suppose an employee at your business has been e-mailing inappropriate images or messages around the office, and these images make their way to a co-worker who finds them offensive. If that co-worker chooses to sue for harassment, your company could easily be held liable. Why? Because...

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    Thank you for taking the time to read this month's newsletter! Remember, your feedback helps shape future issues. We value your input, so please...let us know what you think! Have a great month!
     
    Sincerely,
     

    David Mason
    President
    Mason and Mason Insurance
    M&M Assurance Group 
    Mason & Mason Insurance                   M&M Assurance Group
    458 South Avenue                                      3304 White Mountain Hwy
    Whitman, MA 02382                                    North Conway, NH 03860
    T (800) 759-1452                                        T (800) 298-0802
    F (781) 447-2832                                        F (603) 356-9290