Check AML crypto online: USDT AML check BTC, ETH and 65+ coins. Receiving funds of illegal origin could lead the risk of having your funds frozen. The USDT is being tested for scams, mixers, darknet market, ransom, gambling and other crimes.

The Basics of Employment Practices Liability Insurance

Although employers can face employment litigation at any time, employment-related lawsuits tend to increase during a stagnant or faltering economy. In order to best insulate themselves from costly verdicts, settlements and defense costs, policyholders need to understand the basics of employment practices liability insurance (EPLI) policies. In their latest Risk Management online exclusive article from Anderson, Kill & Olick, attorney Darin McMullen covers what you need to know about EPLI coverage.

EPLI policies are relatively new, having been introduced less than 20 years ago. Although an approved ISO form EPLI policy exists, EPLI policies are most often sold as manuscript policies and can have varying coverage terms and exclusions. Because EPLI policies are not uniform, a policyholder must carefully read a proposed policy prior to purchase. The key is assessing whether, based upon the policyholder’s business, the policy will provide coverage for the employment claims that it is most likely to deal with and for whom such coverage will be provided.

Whether EPLI policies are new to you or if you simply need a refresher, don’t miss this informative article only on RMmagazine.com.

October: A Busy Month for Data Breaches

Every company, no matter what industry it is aligned with or what country it is based in, is vulnerable to losing sensitive data, either accidentally or by malicious endeavors. The Ponemon Institute has found that the average cost of a data breach in 2009 was an incredible $3.4 million. And, unfortunately, the frequency with which these breaches occurs appears to be increasing. Let’s take a look at some of North America’s more notorious breaches for October 2010:

October 14: In Lake County, Florida, a credit union employee stole customer’s credit information to take out loans — money which was used to help finance the attorney fees of her son, who is on death row for murder. The employee, Nazreen Mohammed, was accused of attempting to take $430,000 from banks such as RBC and Fairwinds Credit Union.

October 14: An employee of Accomac, Virginia had his laptop computer stolen while on vacation in Las Vegas. The computer held the names and Social Security numbers of approximately 35,000 county residents. The employee took the laptop on a personal vacation without permission from his superiors.

October 14: Though the incident occurred in August, it wasn’t recognized until October when the Veterans Benefit Administration Office in Boston realized they sent 6,299 benefit letters to the wrong address. All nine digits of Social Security numbers were on 3,936 of the letters. A Veteran’s Affairs report blamed the incident on programming error.

October 15: On this date, the University of North Florida reported that more than 100,000 people could be affected by a security breach. UNF stated that a file containing personal information on prospective students was possibly accessed by someone outside the United States. The university is working with the FBI “to determine the cause and intent of the breach.”

October 20: The personal information of 280,000 Medicaid members in Pennsylvania was compromised when a portable hard drive belonging to Keystone Mercy Health Plan and AmeriHealth Mercy Health Plan was lost. “The insurers said they have beefed up security practices and will provide free credit-monitoring assistance to the people whose Social Security numbers, either in whole or in part, were on the missing hard drive.”

October 21: The Thames Valley District School Board in Ontario, Canada shut down its online student portal after it realized that the internet passwords of more than 27,000 high school students were compromised. The culprit in this incident posted a link on Facebook that directed users to a site that listed the names and passwords of students.

This, however, is only a partial list. More incidents can be found at DataLossDB.org.

Does your company have a solid cybersecurity strategy? If not, check out the article, The 5 Steps of a Cybersecurity Risk Assessment, by Peyton Engel, a data security expert at CDW.

keyboard

How Much Airport Security Is Too Much?

Martin Broughton, the chairman of British Airways, has had it up to here with the horse-and-pony show of airport security requirements required for all European flights headed to the United States.

“America does not do internally a lot of the things they demand that we do,” Broughton said in comments quoted by the Financial Times and confirmed by British Airways.

“We shouldn’t stand for that. We should say, ‘We’ll only do things which we consider to be essential and that you Americans also consider essential.'”

Specifically, he was referring to shoe and laptop removal requirements — “redundant” practices he had a few other choice phrases for.

Chairman Martin Broughton accused the U.S. of demanding “completely redundant” security checks at airports, such as removing shoes and separate examinations of laptop computers.
Europe should not have to “kowtow to the Americans every time they want something done” to beef up security on U.S.-bound flights, Broughton said.

Chairman Martin Broughton accused the U.S. of demanding “completely redundant” security checks at airports, such as removing shoes and separate examinations of laptop computers.

Europe should not have to “kowtow to the Americans every time they want something done” to beef up security on U.S.-bound flights, Broughton said.

He won support Wednesday from the owner of Heathrow airport and the British pilots’ union as well as several European airlines and security experts on both sides of the Atlantic.

It isn’t just European pilots who are on his side. Many of the major carriers across the pond gave their seals of approval to Broughton’s frustration.

security experts and several European airlines, including Virgin Atlantic, Iberia and Finnair, welcomed Broughton’s comments, saying it was time to reevaluate the many layers of time-consuming airport security.

“We need to keep passengers safe, but there’s also a whole bunch of security rules that could be eased out,” said Chris Yates, an aviation security analyst in London.

The requirement to remove shoes for screening, for example, was “the knee-jerk reaction after Richard Reid.” The newest metal detectors would sense any metal such as wiring in shoes, he contended.

Many of the security rules are in place because of history rather than real risk, agreed Todd Curtis, a Seattle-based security expert at airsafe.com.

As with all risk management decisions — and, at its core, that’s what all security comes down to — Curtis’ point is the issue at hand: how do you ensure that commercial airlines can be as safe as possible but at the same time not impose onerous safeguards that impair their ability to succeed as commercial ventures?

The safest way to make sure no planes explode would be to ban air travel. No planes would ever be hijacked again. Also, oh yeah, no one would ever make another dime in the airline industry and we would all be doing a lot more driving.

The other extreme would be to have no security at all. There would be no lines to wait in before you board. No privacy-invading x-ray screening. The whole process of flying would be streamlined and the airport would become an ideal environment to make money from consumers. But then planes would likely be dropping out of the sky every few weeks.

There needs to be a balance.

And with a sensitive, hot-button issue like airport security — which is essentially the lynchpin of America’s “domestic war on terror” — the pendulum between safety and convenience will likely always sway along with the news. The more terrorist plots we see, particularly if ever there is another, major successful event, the more security we will likely see. The fewer events we hear about, the more complacency will set in and the more people will covet convenience.

Apparently some European heads of industry think the pendulum has swung too far in direction of safety — or more accurately, they think the “for-show” protocols that were once mere annoyances have turned into business-harming problems that need to be fixed.

Time can do that.

In related news, a humorous new website called Fun With TSA that I bet Broughton would enjoy is poking fun at some proposed, in-flight TSA safety restrictions. Apparently the aviation watchdog has suggested that it may be wise to not allow passengers to “leave your seat during the last hour of your flight, use electronic devices, or have anything at all on your lap.”

And while that would indeed be very annoying, here are two of their suggestions on fun ways you can pass the time during the last hour. There are eight other ideas if you click through to the Fun With TSA site.

marco_polo-500x375

Be the person on your flight to suddenly shout out “Marco!” during that last hour when others are looking for things to do.  It might take a few tries, but eventually someone somewhere on the plane will respond with a “Polo!” if for no other reason than to shut you up.  Entertainment achieved.

light_wave

This can be every bit as much fun as when people do “the wave” at a stadium, only there will be no standing up here for obvious reasons.  Instead, simply power on your overhead light, wait for the people in front of you to power on theirs, then turn yours off.  A truly beautiful spectacle once it gets going.

Indonesia’s Year of Tragedy

The recent tsunami that devastated several remote islands in Indonesia has brought to light the country’s horrible history of natural disasters. Here, we take a look at the worst disasters to strike the chain of islands in Southeast Asia this year alone.

June 16, 2010: The 7.0 magnitude Papua earthquake destroyed nine villages and killed 17 people. More than 2,500 houses were destroyed. This came on the heels of the 2009, 7.6 magnitude Papua earthquake that killed four and injured dozens.

October 6, 2010: The Papua area experienced yet another disaster when torrential rains caused overflowing rivers and landslides. More than 145 people were killed, more than 800 injured and hundreds more displaced. The government blamed heavy rains for the severe flooding, rather than illegal logging and deforestation.

October 25, 2010: The U.S. Geological Survey reported a 7.7 magnitude earthquake struck off the coast of Indonesia’s Sumatra island, causing a deadly tsunami.

October 25, 2010: The tsunami struck Indonesia’s Sumatra province, flattening villages and a resort. West Sumatra provincial disaster management official Ade Edward was quoted as saying, “The number of dead is now 282 and 411 are missing.” He said aid such as food, blankets and tents had begun filtering into the affected areas but that clean water was scarce and that the risk of disease was growing. Indonesian officials have said that the country’s tsunami warning system was not working because it had been vandalized. (The warning system was implemented after the horrific 2004 earthquake and tsunami that killed more than 230,000.)

October 26, 2010: Indonesia’s most volatile volcano, Mount Merapi, erupted, killing at least 28 people. Authorities have been attempting to evacuate 11,000 villagers living on the slopes of the volcano where many houses have been destroyed. Among the dead was the elderly spiritual guardian of the volcano, a man who, Japanese believed, possessed magical powers over the mountain.