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Cybersecurity insurance, often known as cyber liability insurance or cyber insurance, is a contract that reduces the financial risks of doing business online. The insurer assumes some chance for a monthly or quarterly charge.

Cyber insurance is a young industry. Early adopters buy cybersecurity insurance. Due to changing cyber risks, cybersecurity policy can alter monthly. Unlike well-established insurance plans, cybersecurity insurance underwriters need more data to create risk models to determine coverages, rates, and premiums.

Cyber insurance evolved from errors and omissions (E&O) insurance covering service failures. Product liability insurance and E&O insurance are similar. Learn about cyber insurance in India to understand more clearly.

Why Cyber Insurance?

Electronic data loss, compromise, or theft can cost a corporation clients and income. Third-party data theft can cost businesses. Cyber liability insurance protects firms from cyber events, including terrorism. Cyber-risk coverage aids cyber incident response.

How Does Cyber Insurance Policy Work?

E&O, business liability, and commercial property insurers also sell cyber insurance. Most plans cover first-party and third-party losses based on a company’s commercial relationship.

Cyber insurance covers cyber event financial losses. Cyber-risk coverage covers legal fees, investigators, crisis communicators, and customer credits or refunds.

Cyber Insurance?

Cyber insurance can assist companies that develop, store, and manage client contacts, sales, PII, and credit card numbers online. Cyber insurance can also help e-commerce companies avoid lost sales and customers due to cyber catastrophes. Cyber insurance products protect websites that store client data. You can also read up on cyber insurance for individuals for more clarity.

What Cyber Insurance Covers And Excludes?

Most insurers offer cybersecurity insurance. The customer may be reimbursed for IT asset theft or destruction, depending on the policy.

Typical expenses include:

• Meeting ransomware extortion demands
• Notifying customers of a security breach
• Paying legal fees for privacy violations
• Hiring computer forensics experts to recover compromised data
• Restoring identities of customers whose PII was compromised
• Recovering altered or stolen data
• And repairing or replacing compromised computer systems

Cybersecurity insurance has grown because traditional insurance policies don’t cover cyber risks. Any organisation that accepts digital payments or stores PII, including medical and financial data, could be a customer.

Some entry-level cybersecurity insurance policies cover third-party liability losses.

Poor configuration management and reckless digital asset handling are often excluded from cybersecurity regulations.

Cybersecurity Policies Exclude The Following:

• Preexisting or prior breaches or cyber events, such as incidents that occurred before the policy was purchased
• Cyber affairs are initiated and caused by employees or insiders
• A purposeful cyber attack does not cause infrastructure failures
• Failure to correct a known vulnerability, such as a company that knows a vulnerability exists but fails to address it and is then compromised
• And the cost to improve technology systems, including security hardening.

Cyber Insurance: How to Choose And How Much?

The insured entity’s annual revenue and industry determine cyber insurance pricing. The insurance company usually requires a security audit or paperwork using an approved evaluation tool, such as the Federal Financial Institutions Examination Council (FFIEC). Cyber insurance providers base their coverage and rates on security audits and certified assessment tool documents.

In 2019, many organisations avoided cybersecurity insurance due to its questionable return on investment (ROI).

Because cybersecurity insurance is so new, coverage will differ significantly amongst service providers. Companies should carefully evaluate policy specifics before selecting a policy to ensure it has the appropriate safeguards and provisions. Companies should also assess if guidelines defend against well-known and recently emerging cyber events and threat profiles.

Insurance is the subject matter of solicitation. For more details on benefits, exclusions, limitations, terms, and conditions, please read the sales brochure/policy wording carefully before concluding a sale.

Getting a livescan fingerprinting service in Florida is easy and convenient. Many providers of this service offer their services to potential customers. You can either find them online or go to the nearest police station for assistance.

There are many benefits of getting a livescan florida. For example, it is the most accurate way of collecting fingerprints, and it can be done quickly as well.

What is Livescan Fingerprinting?

Livescan fingerprinting is a type of biometric identification that uses fingerprints. It is considered the most accurate and reliable form of fingerprinting because it captures the entire print.

The FBI’s Integrated Automated Fingerprint Identification System (IAFIS) is one of the most widely used livescan fingerprinting databases globally. Livescan fingerprints are stored in this database, which can be accessed by law enforcement agencies worldwide for criminal investigations and background checks.

Livescan Process and Steps to Get a Florida Livescan Certificate

The Florida Department of Law Enforcement (FDLE) has an online service that allows you to request a Florida Livescan fingerprint card. The FDLE is the agency that handles all fingerprinting for law enforcement agencies in Florida.

The process starts by going to their website and filling out the required information on the form, including your name, address, and email address. After submitting this information, you will be given a unique case number that you can use to track your order status. You will then receive an email with instructions on paying for and submitting your order for processing. Once submitted, FDLE will email you with instructions on picking up your fingerprints from one of their locations or have them mailed back to you.

What is Filing a Request for Live Scan Fingerprint Clearance with FDLE?

The FDLE is a Florida Department of Law Enforcement, an agency that provides services to the state. The FDLE is responsible for fingerprinting, criminal history information, and other public safety services. Filing a request for live scan fingerprint clearance with FDLE means that you are submitting your fingerprints to the FDLE for their records. This process can be completed in person or by mail.

The FDLE (Florida Department of Law Enforcement) offers a service that captures fingerprints and stores them to verify identity. The fingerprinting service is available in a few Florida locations.

The Florida Department of Law Enforcement is the leading authority regarding fingerprinting services. They are prepared to conduct this service in their offices, Mobile Livescan, and at an FDLE Fingerprinting site on specific dates and times.

The FDLE provides many services, including live scan fingerprint clearance for an individual or company and processing inmate records. A live scan fingerprints clearance request can be filed online at the FDLE website or by calling 1-850-412-8704 Monday through Friday from 8:00 am – 5:00 pm EST, excluding all state holidays.

Your Guide on How to Qualify for Live Scan Fingerprint Clearance

The live scan fingerprint clearance procedure is legally binding for employment and licensing. The process is carried out by a Livescan service provider, either an FDLE licensed company or a private company.

The Livescan process takes about 10 minutes and involves scanning fingerprints and taking photographs of the person’s face, which are then electronically transmitted to the FDLE for a background check.

Many people are not aware of the process involved in getting a Live Scan Fingerprint Clearance. This article will guide you through the process, from finding out your eligibility to submitting your application.

Live Scan Fingerprint Clearance is not as complicated as it may seem. You just need to take care of a few things, and you will be able to qualify for one yourself.

Final Thoughts

Certifix provides the best live scan fingerprinting service in Florida. We offer the fastest, most convenient, and user-friendly livescan service.

We have a team of professionals dedicated to helping you get your fingerprinting done quickly, correctly, and with no hassle. We also offer various payment options, including credit card and debit card payments.

Do you have a new lab, and you want to start making personal care products? You need to know the right tools you need in your lab and how much they cost. Many people start making personal care products as a hobby but end up making it a business venture. One thing you should know is that venturing into this business can be time-consuming. However, it does not have to be costly when starting formulation. We have compiled five tools you need in your lab when starting the formulation. The tools cover aspects of protection, weighing, containment, cleaning, heating, safety, and blending.

1. PPE

Sometime back, PPE was mainly used by lab scientists and medical practitioners. Today, there are numerous areas where the environment requires personnel to wear Personal Protective Equipment. When it comes to dealing with things like Decyl Glucoside and other chemical ingredients, it is crucial to have PPE not only protect your body but to prevent contamination too. Buy gloves, aprons, protective eyewear, face mask, and more. You may have some of these things already but for what you don’t have, you can buy from the available storefront.

2. Measuring and Weighing

One secret of producing the right products is ensuring accurate weighing and measuring. This is a critical step that determines the quality of products you make. So, when measuring ingredients like c12-15 alkyl benzoate and others, ensure you do it accurately with the right weighing tools. Avoid measuring liquid ingredients in drops. Actually, this may not even be applicable if you are producing in large quantities. Look for digital scales to ensure accuracy. Measuring liquid ingredients by volume is an inaccurate way of making cosmetics, in addition to unreliability and the risk involved. You can find pocket-friendly scales in the market. Ensure you measure in small amounts first before advancing. Items like pipettes are important when measuring the ingredients needed in small amounts like essential oils and preservatives. However, they are not ideal for ingredients required in large quantities.

3. Containers and Glassware

You need mixing bowls and containers for formulating and storing your products. Look for glass and stainless steel containers since they are inert and provide a high level of hygiene. It is vital to choose the right containers to discourage microbial growth. You can also choose dark glasses for light and heat-sensitive oils.

4. Heating

You need specific items for heating your products. Just keep your cosmetic items away from your kitchen. You can find high-quality heating tools that don’t affect the chemical composition of your formula.

5. Safety

Hygiene is a vital aspect when creating cosmetic products. If you have a separate room for this work, then well and good. However, if you have to share your kitchen, you must know how to ensure safety and keep hygiene at the top. Know the hygiene basics and everything you need to ensure this. Sanitizers and paper towels are part of this. Once you buy the ingredients, find a suitable and safe place to store them and think of room temperature.

Final Thoughts!

These are basic tools for starters. If it is your first time to formulate, make sure you have these items in your lab. You can scale everything up as you advance, and you may have to buy more expensive equipment depending on what you are producing and the amount.

During the marriage, they vow to stay together until death is the goal of every newlywed couple despite the ups and downs. Sometimes it becomes impossible to continue with the marriage due to various circumstances, and a divorce becomes inevitable. The divorce process must be smooth to ensure that both parties separate peacefully without any hitches and ill feelings towards each other. John C. Mallios & Associates provides the best quality representation in complex and simple divorce proceedings to ensure that both parties find a beneficial solution. Divorce proceedings come with several emotional and financial taxes on the involved parties hence its critical nature. A divorce process involves several proves to ensure that both parties go home satisfied with the solution at the end of it all. The process includes:

Filing a divorce petition

 In Texas, an original petition for divorce gets filed by one party in the marriage within their resident county. The party needs to have resided in the county for at least 90 days before the date of filing a divorce law firm petition. Also, the divorce filing party needs to have been domiciled in the State of Texas for six months preceding the divorce filing date. Summarily, for a divorce to be finalized, there is a sixty-day waiting period.

Response from the other marriage party

 Once a divorce gets filed, the other party responds to whether to contest or not contest the divorce. An uncontested divorce becomes a better option for most couples as it eases the handlings and division of things. The couple still requires a divorce law firm attorney to provide legal representation throughout the process. The attorneys review the agreement, family situation, assets, and debts and ensure that your interests get well protected. In addition, the attorneys draft and file the necessary documents to guarantee a quick and smooth divorce process. On the other side, the other party could decide to contest the divorce, which brings many hurdles to solve before a settlement. The disagreement could be over parenting time with your children, child support, and division of the eligible property and debts. In this case, the divorce law firm attorneys provide the necessary legal representation and advice extending to personal injury, family, criminal, and civil law. The successful resolution of the underlying issues determines how the divorce will turn out at the end of it all.

Property Division

The final part of a divorce proceeding is dividing the couple’s property to ensure that each party acquires a deserved portion. This part becomes the highly contested element, hence the importance of hiring an experienced divorce law firm attorney. The attorneys understand the community property laws in Texas and can identify what falls under communal property and what doesn’t. In addition, high net worth individuals require an attorney experienced in valuing assets like closely held corporations, mineral rights, pension plans, and real property. The essential nature of this final part is what determines the successful resolution of the divorce with no future legal contests on the decision.

If you have been involved in a motorcycle accident, one of the first things you should do is to let your car insurance company know about the accident. The insurance company’s adjuster will get in touch with you to interview you about the motorcycle accident and the circumstances surrounding it. This interview may take place over the phone or at the insurance adjuster’s local office. During the interview, the adjuster will ask you questions related to your accident. You’re required to provide honest and exhaustive answers to these questions. You’re also free to ask your own questions to have your concerns addressed and protect your interests.

In this article, we have provided a list of questions you should ask your insurance after an accident. Read on to discover how you can preserve your rights to compensation after a motorcycle accident.

What information do you need from me to process my claim?

Your insurance company will want you to provide detailed facts about the accident. You’ll also be required to provide information on all parties involved in the accident. Make sure you answer their questions as honestly as you can, but don’t admit fault. Also, don’t give your opinion as it could be used against you; but only facts as you can remember them. If you don’t remember something or aren’t sure, don’t guess – be honest and tell the adjuster that you can’t remember it.

Some of the information that you may be required to provide include details of the other driver and/or other parties involved, including their names, addresses, license plate number, vehicle make, year and model, their insurance carrier and policy information, and their perceived traveling speed.

What is and isn’t covered, and how much can I expect?

Knowing what your policy covers will allow you to better prepare for the claim. So ask your insurer exactly what is and isn’t covered by your motorcycle policy. Also, find out if there are any accident-specific factors that will affect your motorcycle accident insurance claim. What compensation can you expect?

Typically, the insurance may try to offer a low-ball settlement the first time around. Though you may be vulnerable and need the money fast, never accept their first offer. Instead, use the services of a good lawyer who has contacts with experts who can determine the full value of your losses after a motorcycle accident. It is unlikely that the low number they are offering you is fair and capable of fully compensating you for your injuries.

Am I being recorded?

As an accident victim, you don’t have any legal obligation to provide a recorded statement. If the adjuster wants to record the interview, they must ask for your permission first; and you’re free to refuse them. Remember a recorded statement could be used against you.

What am I signing?

If the adjuster presents you with paperwork to sign, ask them to explain what they are and whether they can allow your attorney to review them. Never sign documents from the insurance company, including your own statements and releases, until your lawyer has reviewed them.

What should my next step be?

Ask your insurance company about the settlement time-line of your case. Then, continue taking steps to ensure your health and safety by seeking proper medical attention. If you were unfortunate enough to sustain serious injuries, do not worry about immediate medical costs. Just seek treatment right away. You’ll pay these medical expenses once you receive your compensation through the assistance of an attorney. A good lawyer can also help you deal with an insurer that stalls in or refuses to make a settlement.

Lastly, when dealing with insurance companies, one of the best things you can do to protect your rights is to engage the services of an experienced motorcycle accident lawyer. Your lawyer can guide you through the difficulties of dealing with the insurance company that may want to give a low-ball settlement offer and ensure you get your rightful compensation.

When it comes to magazines for kids, there really aren’t a whole lot of options available that will please both kids and their parents. When kids and teens look at the wide array of magazine covers displayed in public, they’re intrigued by the headlines and images they see — and want to read more. On the other hand, when parents look at what’s being shown on the newsstand, they’re likely horrified at the inappropriate and scandalizing content their children are exposed to on a daily basis.

But there is one kids magazine that is able to successfully meet teens and parents in the middle. Seventeen magazine is a read that teen girls will want to come back to time and time again, and not to their parents’ chagrin. If you’re a parent, you can rest assured: Seventeen has diverse content that will cater to whatever kind of girl your daughter is deciding she wants to be. Whether she’s into style and beauty, or looking to see if her angst is reflected in the real-life stories from other teenagers, Seventeen helps its young readers realize that they’re not alone. The September issue in particular even includes a whole Back to School section that will help its readers prepare for the beginning of the school year. Whether their readers are returning back to high school, or going to college for the first time, Seventeen has a huge selection of articles with suggestions for dorm rooms, lockers, outfits, classroom supplies, and more.

Hailee Steinfeld covers the latest issue of Seventeen, where she opens up about being bullied in high school. Hailee was nominated for an Academy Award when she was still in her early teens, and has enjoyed a successful career in Hollywood ever since. Today, she has even made the difficult transition to pop music — you may have heard the super-catchy “Love Myself” on the radio recently — and has a role in the upcoming film Edge of Seventeen. Yet despite Hailee’s massive success, she still wasn’t able to escape jealous classmates, taunts and threats throughout her time in high school. Her advice about how she overcame this period and regained confidence in herself will undoubtedly resonate with and inspire Seventeen’s readers, who may be able to relate to Hailee’s experiences as well.

Now, readers can get a 30-day free trial of Seventeen and any of Texture’s other digital magazines. The 30-day trial is a great period to decide whether Texture’s basic or premium plan is right for you. The basic plan, which costs $9.99 a month, gives you access to all of Texture’s monthly magazines on your tablet or smartphone. However, for only $14.99 a month, you gain access to Texture’s weekly and monthly titles with the premium plan.

Image Source: Texture

In any kind of job, you want to be able to perform at your best. You want to be in optimum mental and physical shape to be able to get work done effectively and in a timely manner. Likewise, if you’re in a position of leadership in your workforce, you take on the added responsibility of making sure everyone you’re in charge of is performing at their highest level and is in a comfortable environment to do so. One of the chief obstacles that can stand in somebody’s way to achieving this state is, of course, stress. It’s something that we all deal with in varying degrees and being able to manage it is a top priority in any business sector.

That’s where Dr. Heidi Hanna comes in – a master of dealing with the daily nuisances of stress. She’s the CEO of SYNERGY, a brain-based training provider, and her pedigree includes degrees in communications and mental health counseling as well as her Ph.D. in holistic nutrition. Even better, she is a Fellow with the American Institute and the editor of their quarterly publication. She’s also been working on a project called Energy for Performance and BrainWorks, which aims to show financial advisors better stress management techniques and the maximization of personal energy. And all of that is just the tip of the iceberg.

Hanna devotes a large part of her time to public speaking, talking at conferences as large as Fortune Magazine’s Most Powerful Women in Business Summit or ESPN’s Women’s Leadership Summit, but she also imparts wisdom to organizations all throughout North America. Her SYNERGY programs help professionals get the most out of their daily energy, while sidestepping stress-related issues. Topics that she covers include nutrition, physical activity, sleep, relaxation and recovery, and oscillation practices.

She builds on her holistic training by aiming to show people how to take care of their brains first and foremost. If your brain is healthy, focused and energetic, then you can optimally perform the task at hand. Hanna has implemented what she calls the Synergy Fab 5 to build brain health, which includes nutrition, fitness, relaxation, sleep, and social connections.

From here, the goal is to approach stress from a different angle. Instead of trying to avoid it all together, Hanna shows you how to flow with daily stress. From mindset shifts to creating a rhythm to go with, it’s possible to deal with stress without causing everything else to crumble. She goes into the deep root causes of stress and how our brains can even be neurologically addicted to it.

Even if we don’t want to admit it, stress affects all of our lives on a frequent basis. Dr. Hanna offers some simple techniques to handle it so that it doesn’t overtake your job performance.