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Understanding Insurance Coverage for Traveling Employees

BOSTONThe odds of dying in a terrorist attack: 1 in 9.3 million. The odds of getting sick while traveling: 1 in 2. But both should concern companies sending their employees around the world for business, panelists Kathleen Ellis of CNA International, Erin Wilk of Facebook and Andrew Miller of International SOS said at a RIMS 2019 panel titled “Is Insurance Enough When Employees Travel?”

The answer to this question, the panel agreed, was emphatically “no.” But, as Ellis and Wilk noted, insurance coverage is an important part of the equation for many of the biggest things that do go wrong. Even though the risk of catastrophic incident is minor compared to seemingly mundane travel concerns like weather and petty theft, companies should still prepare for the worst in advance.

This is true whether employees are going to common destinations within the United States traditionally thought of as safe or to less familiar places. It is also true, Wilk said, whether the employee is an experienced traveler (who can be over-confident) or a novice (who can over-prepare and miss warning signs around them).

The panelists repeatedly stressed that companies should approach travel risk with protecting employees as their priority. Not only do companies have a “duty of care” (a legal responsibility to mitigate the risks traveling employees face), but they also need to be cognizant of the “standard of care” and “duty of loyalty.” Standard of care is the industry standard for employees’ travel risk protection, and companies’ obligation to meet that standard. Duty of loyalty is the employees’ responsibility to abide by the safety measures the company has put in place. As recently discussed in Risk Management, this is largely on the employee, but the panel noted that employers also have a critical role to play in creating a culture that enables and encourages their people to take the necessary steps to protect themselves while traveling. As Wilk said, “Policy is a piece of paper. Employee practice is what actually matters.”

When it comes to insurance, companies should make sure they are covered, but not over-covered. For example, Miller discussed cases in which companies’ benefits, HR and legal department have all purchased travel coverage without communicating their purchases to the other departments. Businesses may also be unfamiliar with the coverage they have and pay to remediate travel problems themselves when their insurance policies would actually cover those issues.

Key insurance options include:

  • Foreign voluntary workers compensation, which covers workers traveling on business in a way similar to traditional workers’ comp, paying for disease, or repatriation or evacuation
  • Business travel accidental death and dismemberment coverage, which works like life insurance and covers both work-related and non-work-related incidents, and is an option for covering employees’ spouses and dependents
  • Kidnap and ransom coverage, which provides pre-trip support, crisis management services during an incident, and reimburses for ransoms paid for kidnapping extortion, wrongful detention and hijacking
  • Expatriate medical, which is an option for employees who are traveling long-term, and
  • Defense base act coverage, which handles government contractors overseas at embassies and military bases

The panelists also emphasized that travel risk not only endangers employees’ well-being, but also the company’s bottom line. If an employee gets sick while traveling for business, for example, the company’s investment in the trip can be wasted. Additionally, traveling employees who feel unsafe or unprepared for the risks they are facing feel less loyal to their company, and can also be distracted, potentially derailing the important business they are traveling to conduct. The panel urged that pre-trip training and a thorough understanding of the company’s existing coverage are the best ways to mitigate these risks and help employees succeed when traveling for work.

67% of Hotel Websites Expose Guest Data, Study Finds

According to new research from cybersecurity company Symantec, 67% of hotel websites are leaking customer reservation details and other personal information. Candid Wueest, the company’s principal threat researcher, tested more than 1,500 hotels in 54 countries, including low-cost to high-cost hotels, as well as both chain and independent hotels.

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symantec hotel data exposureWhen a customer uses a hotel’s website to book a room, the site usually creates and sends them a link so that the customer can directly access  and manage their reservation.

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According to Symantec, part of the problem is that third-party advertisers on hotels’ booking websites and web analytics companies (which track web traffic) can access customers’ bookings because they also get those links. This means that advertisers and analytic companies – including any potential malicious actors among their employees – could access and steal the information that the customer entered when booking a room, and even change or cancel the reservation.

Symantec also found that more than a quarter of the hotel websites examined do not send secure, encrypted links in their confirmation emails. Encrypted links prevent anyone trying to hijack a customer’s data from being able to see that data. If a customer received a confirmation email while using an unprotected WiFi (a public network in a café or an airport, for example), a cybercriminal could intercept that customer’s emails and use the unencrypted hotel booking link to access the customer’s booking. Some of these automatically generated links also contain details like customers’ email addresses in the web address, which makes accessing their information even easier for cybercriminals.

Additionally, many hotel websites are vulnerable to a type of cyberattack called “brute forcing,” where an attacker can use the customer’s email address and guess their booking number to gain access to the reservation and personal information. In some cases, Symantec found that hotel websites did not even require an email address to access customers’ reservation information via brute forcing. Though this method would not be useful to gain access to large amounts of customer data, attackers could use it to target individuals, like a specific CEO or conference attendee.

Wueest noted that hotels have thus far been slow to respond to these data exposure risks, and some have not responded at all. When he alerted the hotels’ data privacy officers to the problems in their sites, 75% responded, and those who did took an average of 10 days. Hotels and their information security staff should promptly assess their booking processes to ensure they are minimizing the risk of potential data leaks and breaches.

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By leaving these gaps in their websites’ security, they are endangering their customers and opening themselves up to risk, including potential liabilities and reputational damage.

Symantec recommends that hotels use encrypted links, and ensure that the automatic links generated do not include information like customers’ email addresses. It also recommends that customers use Virtual Private Networks (VPNs, services that protects users’ internet traffic) when booking or accessing their reservations using public WiFi to prevent any cyberattacker from intercepting any information that would provide a way in.

The report should also serve as a reminder that corporate employees’ personal devices and personal information are popular targets for cybercriminals and can be especially vulnerable to risks while traveling. Any time an employee exposes their devices to unprotected networks or, in this case, insufficiently protected websites, it leaves both the employee and their employer at risk. Even if an employee is using their own device to conduct business, it still endangers their employer because it may expose valuable business information. Cybercriminals have particularly used the hospitality industry as a hunting ground for such attacks, for example, targeting individuals using hotel WiFi, tricking them into downloading malicious software and stealing their information or spying on their internet activity.

Traveling? It’s No Time To Protest

Traveling for business to a foreign country has its assumed risks.

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Typical details like language barriers and exchange rates can be daunting enough, but businesses should be mindful of the potential effects of a protest or demonstration near their employees’ hotels or destinations.

It is easy to imagine attending a conference in another country where a protest is occurring right in front of your conference center. While many are peaceful, some can become violent and there may be legal issues to consider as well.

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Regardless of whether it is related to your visit, the experience can be confusing and unnerving.

Businesses must consider how to prevent their employees from getting stuck in the wrong place at the wrong time; in addition to the disorientation, there can be severe repercussions for being even seemingly involved in a foreign demonstration. Laws and protocols about protests vary from country to country, and guilt—even by association—can have disastrous consequences.

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To ensure your employees know how to successfully circumvent a demonstration, check out the infographic below by On Call International, which gives advice on how visitors should conduct themselves and stay safe in the event of a protest—particularly a violent one.

The Business Impact of the Supreme Court’s Travel Ban Decision

In one of its most anticipated cases in decades, the U.

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S. Supreme Court on June 26 upheld President Trump’s latest “travel ban,” delivering a key win to the Trump administration and one of its strict immigration enforcement stances. The Court concluded the president’s executive order—which largely targeted individuals from predominately Muslim countries—did not violate the Constitution’s Establishment Clause by favoring one religion over another, ruling that the order was a lawful exercise of the authority granted to the president by Congress.

The Supreme Court’s action now permits immediate enforcement of one of the president’s signature immigration policies that began in January 2017 and included repeated trips to the federal judiciary. Employers with workers from the affected countries—Iran, Libya, Syria, Yemen, Somalia, North Korea and Venezuela—now need to ensure proper protocols are put into place to spare employees from unnecessary risk and to preserve smooth business operations.

Given that the travel ban can be enforced immediately, employers should:

  • Identify employees who are nationals of banned countries. The effect of the ban differs between the seven countries, so consult immigration counsel to be sure you understand how the ban applies to the country of origin for your employees.
  • Instruct any affected employees who are abroad and have not previously been affected by the prior travel bans to return immediately.
  • Caution workers from the affected countries not to travel outside the United States.
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    While the underlying litigation surrounding the travel ban will continue in the lower courts, assume the ban will be in effect for the foreseeable future.

  • Tell foreign national employees to carry originals or clear copies of legal authorization to be in the U.
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    S. at all times and to consult with an immigration attorney before signing any paperwork presented by the Department of Homeland Security or the Department of State.

  • Instruct employees to cooperate and present evidence of their U.S. immigration documentation and legal status if they are stopped by an Immigration and Customs Enforcement agent.
  • Advise employees that if their temporary work visas are expiring, they should take immediate steps to extend those visas.
  • Consider whether to sponsor employees who are here on soon-to-expire temporary work visas for permanent residency, if they are eligible.