Did you know that you have access to a service that integrates your workers' compensation policy with your payroll, so that the premium is paid in real-time based on the practice's actual payroll? Through the exclusive relationship that HUB International has with Heartland Ovation Payroll for participants in the AAHA Business Insurance Program, Heartland offers a free payroll integration designed to simplify workers’ compensation premium collection. Save time and hassle with Heartland:

• Premium calculated on actual payroll, rather than estimates • Reduce or eliminate down payment

• Minimize audit hassle • 3-year price lock guarantee

• No checks to write

Free Payroll Integration for Your Workers' Compensation Policy!

What’s Your Leash and Carrier Policy?

!Keep Pets on Leash or in a Carrier

Call 866-380-AAHA (2242) for more information or to sign-up for this service.

*This newsletter contains only a general description of coverages and does not include all the benefits and limitations found in the policies. Coverages may vary. All references to coverage are subject to the policy’s conditions and exclusions. The insurance policy and not this newsletter will form the contract between the insured and the insurance company. Loss control content is provided for information purposes only. It is not intended to be a substitute for individual legal counsel or advice on issues discussed in this newsletter. For resolution of a specific legal issue or business concern, consult your attorney.

AAHA Business Insurance Program Business Property/LiabilityFloodUmbrella LiabilityWorkers’ CompensationCommercial AutomobileSpecial Coverage for Mobile PracticesEmployment Practices LiabilitySafety and Loss Control Resources

Call 866-380-AAHA (2242) today for a coverage evaluation.P.O. Box 1629, Chicago, IL 60690-9850 Fax: 866-381-AAHA aaha@hubinternational.com www.aahainsurance.org

AAHA TAMPA 2015:Hazard Controls to Prevent Slip, Trip, and Fall AccidentsOne of your largest safety exposures involves slips, trips, and falls. Injuries can be permanent, and the treatment and recovery can be lengthy. Individual claims reported in the AAHA Business Insurance Program have exceeded $100,000 for a single slip and fall. At the conference in Tampa learn about controls that your practice can implement or enhance to eliminate the risk of injury to anyone stepping inside your practice.

Thursday, March 12, 20152:00 p.m. to 3:40 p.m.Learning facilitator: Andrew Starrenburg, Associate Risk Consultant, HUB International Risk Services Division

BUSINESS INSURANCEnews for youPRODUCED BY HUB INTERNATIONAL MIDWEST LIMITED FOR THE AAHA BUSINESS INSURANCE PROgRAM

VOLUME 9, NUMBER 2, FALL 2014

Broker and Consultant:

HUB International Midwest Limited

HUB International Midwest Insurance Agency (CA)

www.aahainsurance.org

Consider this scenario: A dog bites another patient’s owner in your reception area, puncturing through the skin. The owner is taken to an urgent care facility for treatment. The owner later develops an infection and is unable to work for several weeks. Did you know that you could be held liable? Even if the dog had not yet checked in or was not in your care or control, the injured party may demand reimbursement for medical expenses and compensation for pain and suffering from the practice. To avoid this exposure, establish and enforce a leash and carrier requirement in common areas of your practice.

When clients and patients enter your practice, this is your first opportunity to ensure that patients are restrained on a leash or contained in a carrier. Discourage patient interac-tion in common areas because animals are often skittish and anxious when visiting veterinary practices. Instigation from another animal could easily upset a patient and cause it to bite, scratch, or otherwise harm itself, another patient, or another client.

To help with your leash and carrier requirements, post the AAHA Business Insurance Program safety poster, “Caution – Keep Pets on Leash or in a Carrier” in your common areas. Posters are complimentary, just visit www.aahainsurance.org/safety to download and print copies or request that posters (printed on card stock) be mailed to you.

According to the 2013 Verizon Data Breach Investigations Report (DBIR), 31% of all data breaches investigated in 2012 occurred in organizations with fewer than 100 employees. Every time you ac-cept a check, debit card, or credit card payment from a client, your practice is at risk for a data breach. Your clients rely on you to treat their pets, and they also trust you to protect their personal information when they make payments. When sensi-tive data is exposed, your reputation is on the line. And don’t forget about all of the personally identifiable information found in employee records and files.

Did you know that you can secure insurance to protect you against these exposures?

You can secure a stand-alone policy with unique features such as notification as-sistance to prepare notification letters that comply with regulatory requirements and crisis management and public relations to help handle a breach and to help restore your practice’s reputation.

Insurance protection is one smart step in preparing and protecting your practice. For prevention, here are ten tips:

1. Secure sensitive customer and employee data. Store paper files and removable storage devices (such as thumb drives and CDs) containing sensitive information in a locked drawer, cabinet, safe or other secure container when not in use. Restrict access to sensitive data to those who have a need to know. Give employees access to only the information they need to do their jobs—whether it’s online or in paper form.

2. Properly dispose of sensitive data.Shred documents containing sensitive data prior to recycling. Remove all data from computers and electronic storage devices before disposing of them.

3. Use password protection. Password protect your business comput-ers (including laptops and smartphones) and access to your network and accounts. Require employees to have a unique user name and a strong password that is changed at least quarterly.

4. Control physical access to your business computers. Create user accounts for each employee to prevent unauthorized use of your business computers. Laptops can be easy targets; make sure they’re locked in place when unattended. Also limit network access on computer stations located in public spaces, such as the reception area.

5. Encrypt data. Encryption helps protect the security and privacy of files as they are transmitted or while on the computer. Install encryp-tion on all laptops, mobile devices, flash drives and backup tapes, and encrypt emails that contain sensitive information.

6. Protect against viruses and malicious code (“malware”). Install and use antivirus and antispy-ware software on all of your business computers. Don’t open email attachments or other downloads unless you’re sure they’re from a trusted source.

7. Keep your software and operating systems current. Install updates to security, web browser, operating system and antivirus software as soon as they become available. They contain “patches” that address security vulnerabilities within the software and are your first line of defense against online threats.

8. Secure access to your network. A firewall prevents outsiders from accessing data on your network. Enable your operating system’s firewall or pur-chase reputable firewall software. Be careful with free secu-rity software as it may actually contain “scareware” that can infect your network. Allow remote access to your network only through a secure manner such as a properly configured Virtual Private Network (VPN). If you have a Wi-Fi network for your workplace, make sure it is secure, encrypted and hidden so that its network name or “Service Set Identifier” (SSID) can’t be picked up by the public. Also be sure a pass-word is required for access.

9. Verify security controls of third parties. Before working with third parties that have access to your data or computer systems or manage your security func-tions, be sure their data protection practices meet your minimum requirements and that you have the right to audit them. Not only do you want to ensure that your customer and business data is secure, but if a breach occurs on their watch, you could still be held liable and may be required to take the necessary steps toward recovery including notify-ing customers, monitoring credit, paying penalties or fines.

10. Train your employees. Last but not least, make sure your employees understand your data protection practices and their importance. Docu-ment your policies and practices and distribute them to your team. Review your practices regularly and update them as required. Be sure to retrain your staff as updates are made.

Questions? Need Coverage?Contact the AAHA Business Insurance Program at 866-380-2242 to learn more about or to secure data breach coverage.

Are You Prepared?

Most s tates have

secur i t y breach

not i f i cat ion laws

that require you to

not i f y the impac ted

par t ies as wel l

as cred i t bureaus

and s tate and

federa l agenc ies of

secur i t y breaches

of informat ion

invo lv ing per sonal l y

ident i f iab le

informat ion .

What is a data breach?A data breach is defined as the loss, theft, acci-dental release or accidental publication of Per-sonally Identifiable Information (PII) including:

• SocialSecuritynumber

• Bankaccountnumber

• Creditordebitcardnumbers

• Driver’slicensenumber

• Fullname

• Homeaddress

• Emailaddress

• Telephonenumber

Protect Your Data Against Theft and Guard Your Bottom Line Information provided by The Hartford

According to the 2013 Verizon Data Breach Investigations Report (DBIR), 31% of all data breaches investigated in 2012 occurred in organizations with fewer than 100 employees. Every time you ac-cept a check, debit card, or credit card payment from a client, your practice is at risk for a data breach. Your clients rely on you to treat their pets, and they also trust you to protect their personal information when they make payments. When sensi-tive data is exposed, your reputation is on the line. And don’t forget about all of the personally identifiable information found in employee records and files.

Did you know that you can secure insurance to protect you against these exposures?

You can secure a stand-alone policy with unique features such as notification as-sistance to prepare notification letters that comply with regulatory requirements and crisis management and public relations to help handle a breach and to help restore your practice’s reputation.

Insurance protection is one smart step in preparing and protecting your practice. For prevention, here are ten tips:

1. Secure sensitive customer and employee data. Store paper files and removable storage devices (such as thumb drives and CDs) containing sensitive information in a locked drawer, cabinet, safe or other secure container when not in use. Restrict access to sensitive data to those who have a need to know. Give employees access to only the information they need to do their jobs—whether it’s online or in paper form.

2. Properly dispose of sensitive data.Shred documents containing sensitive data prior to recycling. Remove all data from computers and electronic storage devices before disposing of them.

3. Use password protection. Password protect your business comput-ers (including laptops and smartphones) and access to your network and accounts. Require employees to have a unique user name and a strong password that is changed at least quarterly.

4. Control physical access to your business computers. Create user accounts for each employee to prevent unauthorized use of your business computers. Laptops can be easy targets; make sure they’re locked in place when unattended. Also limit network access on computer stations located in public spaces, such as the reception area.

5. Encrypt data. Encryption helps protect the security and privacy of files as they are transmitted or while on the computer. Install encryp-tion on all laptops, mobile devices, flash drives and backup tapes, and encrypt emails that contain sensitive information.

6. Protect against viruses and malicious code (“malware”). Install and use antivirus and antispy-ware software on all of your business computers. Don’t open email attachments or other downloads unless you’re sure they’re from a trusted source.

7. Keep your software and operating systems current. Install updates to security, web browser, operating system and antivirus software as soon as they become available. They contain “patches” that address security vulnerabilities within the software and are your first line of defense against online threats.

8. Secure access to your network. A firewall prevents outsiders from accessing data on your network. Enable your operating system’s firewall or pur-chase reputable firewall software. Be careful with free secu-rity software as it may actually contain “scareware” that can infect your network. Allow remote access to your network only through a secure manner such as a properly configured Virtual Private Network (VPN). If you have a Wi-Fi network for your workplace, make sure it is secure, encrypted and hidden so that its network name or “Service Set Identifier” (SSID) can’t be picked up by the public. Also be sure a pass-word is required for access.

9. Verify security controls of third parties. Before working with third parties that have access to your data or computer systems or manage your security func-tions, be sure their data protection practices meet your minimum requirements and that you have the right to audit them. Not only do you want to ensure that your customer and business data is secure, but if a breach occurs on their watch, you could still be held liable and may be required to take the necessary steps toward recovery including notify-ing customers, monitoring credit, paying penalties or fines.

10. Train your employees. Last but not least, make sure your employees understand your data protection practices and their importance. Docu-ment your policies and practices and distribute them to your team. Review your practices regularly and update them as required. Be sure to retrain your staff as updates are made.

Questions? Need Coverage?Contact the AAHA Business Insurance Program at 866-380-2242 to learn more about or to secure data breach coverage.

Are You Prepared?

Most s tates have

secur i t y breach

not i f i cat ion laws

that require you to

not i f y the impac ted

par t ies as wel l

as cred i t bureaus

and s tate and

federa l agenc ies of

secur i t y breaches

of informat ion

invo lv ing per sonal l y

ident i f iab le

informat ion .

What is a data breach?A data breach is defined as the loss, theft, acci-dental release or accidental publication of Per-sonally Identifiable Information (PII) including:

• SocialSecuritynumber

• Bankaccountnumber

• Creditordebitcardnumbers

• Driver’slicensenumber

• Fullname

• Homeaddress

• Emailaddress

• Telephonenumber

Protect Your Data Against Theft and Guard Your Bottom Line Information provided by The Hartford

Did you know that you have access to a service that integrates your workers' compensation policy with your payroll, so that the premium is paid in real-time based on the practice's actual payroll? Through the exclusive relationship that HUB International has with Heartland Ovation Payroll for participants in the AAHA Business Insurance Program, Heartland offers a free payroll integration designed to simplify workers’ compensation premium collection. Save time and hassle with Heartland:

• Premium calculated on actual payroll, rather than estimates • Reduce or eliminate down payment

• Minimize audit hassle • 3-year price lock guarantee

• No checks to write

Free Payroll Integration for Your Workers' Compensation Policy!

What’s Your Leash and Carrier Policy?

!Keep Pets on Leash or in a Carrier

Call 866-380-AAHA (2242) for more information or to sign-up for this service.

*This newsletter contains only a general description of coverages and does not include all the benefits and limitations found in the policies. Coverages may vary. All references to coverage are subject to the policy’s conditions and exclusions. The insurance policy and not this newsletter will form the contract between the insured and the insurance company. Loss control content is provided for information purposes only. It is not intended to be a substitute for individual legal counsel or advice on issues discussed in this newsletter. For resolution of a specific legal issue or business concern, consult your attorney.

AAHA Business Insurance Program Business Property/LiabilityFloodUmbrella LiabilityWorkers’ CompensationCommercial AutomobileSpecial Coverage for Mobile PracticesEmployment Practices LiabilitySafety and Loss Control Resources

Call 866-380-AAHA (2242) today for a coverage evaluation.P.O. Box 1629, Chicago, IL 60690-9850 Fax: 866-381-AAHA aaha@hubinternational.com www.aahainsurance.org

AAHA TAMPA 2015:Hazard Controls to Prevent Slip, Trip, and Fall AccidentsOne of your largest safety exposures involves slips, trips, and falls. Injuries can be permanent, and the treatment and recovery can be lengthy. Individual claims reported in the AAHA Business Insurance Program have exceeded $100,000 for a single slip and fall. At the conference in Tampa learn about controls that your practice can implement or enhance to eliminate the risk of injury to anyone stepping inside your practice.

Thursday, March 12, 20152:00 p.m. to 3:40 p.m.Learning facilitator: Andrew Starrenburg, Associate Risk Consultant, HUB International Risk Services Division

BUSINESS INSURANCEnews for youPRODUCED BY HUB INTERNATIONAL MIDWEST LIMITED FOR THE AAHA BUSINESS INSURANCE PROgRAM

VOLUME 9, NUMBER 2, FALL 2014

Broker and Consultant:

HUB International Midwest Limited

HUB International Midwest Insurance Agency (CA)

www.aahainsurance.org

Consider this scenario: A dog bites another patient’s owner in your reception area, puncturing through the skin. The owner is taken to an urgent care facility for treatment. The owner later develops an infection and is unable to work for several weeks. Did you know that you could be held liable? Even if the dog had not yet checked in or was not in your care or control, the injured party may demand reimbursement for medical expenses and compensation for pain and suffering from the practice. To avoid this exposure, establish and enforce a leash and carrier requirement in common areas of your practice.

When clients and patients enter your practice, this is your first opportunity to ensure that patients are restrained on a leash or contained in a carrier. Discourage patient interac-tion in common areas because animals are often skittish and anxious when visiting veterinary practices. Instigation from another animal could easily upset a patient and cause it to bite, scratch, or otherwise harm itself, another patient, or another client.

To help with your leash and carrier requirements, post the AAHA Business Insurance Program safety poster, “Caution – Keep Pets on Leash or in a Carrier” in your common areas. Posters are complimentary, just visit www.aahainsurance.org/safety to download and print copies or request that posters (printed on card stock) be mailed to you.