How many of you business owners have lost some sleep over the latest Target credit card breaches? Have you thought about your own exposures?

Over the past several months, MTM associates have researched and counseled many of our clients on these risks, and have developed ways to mitigate the financial consequences.

There are many events that your company needs to consider that may trigger a breach. For example:

                      -Computer or Network Hacking

                      -Lost or stolen laptops or phones

How are you handling these exposures in your day to day business activities?

Please call us today to discuss how MTM can provide insurance coverage that would protect you after a breach against the following:

                        -Compliance with data breach notification laws

                        -Coverage for penalties and fines

                        -Hiring of experts to investigate the breach.

Unfortunately, these types of breaches are causing businesses millions and millions of dollars each year. Are you prepared?

Please call us at MTM so we can provide the knowledge and coverage you need to avoid these financial exposures

You're running a successful business and you know that in order to continue that success, you need to protect your business assets. So you protect your physical plant and warehouses by purchasing fire and casualty insurance. You protect your trucks and vehicles by purchasing auto insurance. You protect your inventory and equipment by purchasing property and casualty insurance. You think you've done everything you can to ensure that all of your business assets are insured to prevent any long term adverse effects on your company. But

wait . . . have you really taken all of the necessary steps to protect your business so that it can continue to grow and that your dreams will actually be realized? How would you answer the following questions?  

- Do you have executives, managers or top sales people helping     you to make the business successful?

- What would happen to your business should any of these key employees become disabled or die?

- If a key employee should become disabled or die, would you have to hire and train a replacement? Would there be any loss in productivity and revenue?   

- What would happen to your personal cash flow if any of your key employees become disabled or die?

Not having a fully considered and satisfactory answer for even one question can lead to unintended and unfortunate consequences. Fortunately, you're in a position to do something about it.

Key employee insurance is a life insurance and/or disability insurance policy purchased and owned by the business, on the life of the key employee. Upon the death or disability of the key employee, the insurance policy will pay out the proceeds to the business, providing an immediate source of funds to the business.

Call us at MTM to schedule time to discuss options to manage this important risk to your business.

Rear-Facing Infant Seat

-Make sure your car seat base is installed at the correct recline angle.  Babies must ride sitting semi-reclined so their airways remain open.  Most infant car seats have built in angle indicators to assist you.

-Properly position the harness on your child.  Harness straps should lie flat, not twisted.  They should be placed through the slots located at or below your child's shoulders.

-The harness is snug enough when you cannot pinch any extra strap material at the shoulder.

-Place the chest clip at the armpit level.

RULE:

Forward-Facing Car Seats