Business

23
Jan

Tips on How to Create an IT Disaster Recovery Plan

Building your disaster recovery plan.

 

Losing data on your personal computer is extremely frustrating. As annoying and time-consuming this type of data loss is, it is nothing compared to the losses that could be suffered by a business that has no IT disaster recovery plan in place. Losing digital data can be devastating for a business, with at least 90 percent of companies filing for bankruptcy after being without their data for more than 10 days. To protect your data, here are some tips on how to build a disaster recovery plan.

 

Inventory your assets. You need to know what tools you have and what impact they will have on your business if they go down. Your inventory needs to include services, storage devices, applications, data, network hardware, and network apps.

 

Identify your critical systems. There are some assets that your business needs to run smoothly. Yours might be different from another business in the same industry, so think about what your company really relies on. These are the systems you need to monitor most closely and prioritize in the event of a disaster.

 

Prepare for different disaster levels. There are many types and scales of disaster. Sometimes, just a small disaster can lead to a longer outage if organizations are not prepared. Your strategy should have different levels of response along with those employees who are responsible for implementing these steps.

 

Build a critical response team. A great recovery strategy is useless if there isn’t a team to bring the systems back online. Everyone in your response team should know what they are responsible for and how best to work together to reach a solution.

 

These tips can help you to build out the right data recovery plan. For the right commercial property insurance policy, contact our expert team at Abatelli Group, Inc. today. We serve Whitestone, Flushing, Bayside, Little Neck, and surrounding cities of New York with reliable coverage!

14
Nov

4 Ways to Protect Your Business from Fires

Safeguarding Your Business Property from Fires 

Is your business fire safe? Are you confident that you are taking every possible precaution against a fire breaking out? If the worst does happen, is your business ready to cope with it safely and effectively? Failing to take the appropriate steps to prevent and manage fire risk isn’t just a foolish oversite. It is your legal obligation to protect your premiums, workers, and customers from the risk of fire.

Here are four essential steps you should take to safeguard your business from fires:

  1. Create an emergency evacuation plan. Your employees and guests should know how to leave your business at any time by locating the nearest exit, which should be clearly marked and unobstructed. Conduct an evacuation drill at least once a year to ensure that your employees know how to handle an emergency.

 

  1. Install and maintain fire suppression systems. This means installing fire alarms, sprinklers, and ensuring all employees know how to use a fire extinguisher. Regularly check these systems to ensure that they are in good working order.

 

  1. Understand your risk. Conduct a risk assessment to understand what kind your business faces. Keep in mind that electrical equipment is responsible for a high number of fires, so be sure to maintain this equipment, tidy cords away, and allow air to circulate machinery.

 

  1. Review insurance. Your commercial property insurance helps to replace your business’s belongings after they have been destroyed in a fire. Make sure that you have plenty of coverage that protects all of your business equipment, furniture, electronics, inventory, and more.

For the right commercial property insurance policy, contact our expert team at Abatelli Group, Inc. today. We serve Whitestone, Flushing, Bayside, Little Neck, and surrounding cities of New York with reliable coverage!

11
Jul

The Basics of Commercial Property Insurance Policies

What you should know about commercial property insurance.  

Your business has a lot of physical assets: your building and its contents. These pieces of property can be damaged, which is why it’s important to protect them. A commercial property insurance policy is designed to cover buildings and personal property owned by your business. While unexpected accidents and events can happen at any time, such as storms, fires, and other major setbacks, with business property insurance, you’ve got support and financial assistance to help you recover quickly.

How commercial property coverage works

Commercial property insurance coverage varies, but they are typically classified by the type of event leading to a loss, and by what things are insured. Basic property insurance usually covers losses caused by fires or explosions, theft, vandalism, and damage from vehicles and riots. You can purchase additional coverage that protects your property against mass-destruction events such as earthquakes and floods.

Commercial property insurance is designed to cover your building and outdoor items on the premises as well as key items inside such as office equipment and inventory.

Take an inventory

Before you decide to take out commercial property insurance, it’s wise to take an inventory of your business. This helps you determine what property you want to insure, what its replacement value would be, and if it’s worth insuring. The property you might insure could include:

  • The building that houses your business
  • All office equipment (computers, phone systems, furniture, etc.)
  • Accounting records and important company documents
  • Manufacturing or processing equipment
  • Inventory kept in stock
  • Fence and landscaping
  • Signs and satellite dishes

For the right commercial property insurance policy, contact our expert team at Abatelli Group, Inc. today. We serve Whitestone, Flushing, Bayside, Little Neck, and surrounding cities of New York with reliable coverage!

18
Apr

Tips to Make Your Business More Efficient

Making your business more productive. 

Every business owner knows that making their business more efficient will save them time and money. This is often taken to mean cutting costs, but this can result in low quality work and services. With so many companies fighting for their slice of the market share, there is simply no room for those which do not streamline their business processes. This is particularly true for small to medium-sized businesses, which operate with limited resources in contrast to their larger counterparts. To help make your business more efficient, read on.

  • Use your time more effectively

In a nutshell, time is money – or the potential for money. The more time you waste on inefficient activities, the less free time you have to spend doing productive activities that will help your business grow. For a week or so, ask your employees to track their time – and track yours, too. Here, you will able to figure out which processes are taking longer than necessary and allow you to streamline processes to save previous minutes.

  • Facilitate teamwork

Messages and information between employees can now be passed around in a simple and organized manner, allowing employees to work more efficiently as a team. Talk to your team and ask them how they think they could improve on their practices to be more efficient and you may get some innovative ideas.

  • Minimize unproductive travel time

Time lost due to travel is a concern for many businesses. You can make the most of technology by allowing employees to work remotely, access documents in the cloud from anywhere, and route calls to employees’ phones so that operations can continue working even when they are out of the office.

Talk to the team members at Abatelli Group, Inc. to find out how we can help protect your business’s livelihood. With reliable commercial insurance, we can help your business’s future. Contact us today to get started.

21
Mar

Do I Need Commercial Insurance If My Business Has No Inventory?

Should you get commercial insurance if you have no inventory?

If you own a service-based business such as a hair salon or air conditioner repair shop, then it is likely that you don’t have a lot of inventory to worry about. In fact, many business owners of service-based businesses assume that there is no reason to hold commercial insurance because they have no inventory that would need to be replaced in the event of a disaster. The truth is, commercial insurance is for every type of business.

Commercial insurance policies cover a lot more than just your inventory. They work to cover your equipment, vehicles, tools, liability, and provide protection in the event of a lawsuit. For a service-dominant business, that means a policy can protect everything you need to stay in business.

Even if your business doesn’t have much in the way of merchandise, there’s a good chance that you have valuable tools or equipment to do your job. If your business was victim to theft or natural disaster, it’s possible that you’d lose all of these things. In turn, this may mean your business would be forced to close its doors.

Commercial insurance can also include coverage for the structures and real estate that your business owns. Storage building, storefronts, and manufacturing facilities can be covered under a commercial property insurance policy.

For the right commercial insurance policy, contact our expert team at Abatelli Group, Inc. today. We serve Whitestone, Flushing, Bayside, Little Neck, and surrounding cities of New York with reliable coverage!

21
Feb

Where Your Business Property Is and Isn’t Covered

Understand how to better protect your business’s property.  

Compared to all the other insurance policies, picking a commercial property insurance policy may seem like the easiest one. The premium is worth the peace of mind that your business’s property is protected. However, it is important to look closely at the policy you choose because you may find you have left your business vulnerable.

Your commercial insurance policy is designed to keep your building, furniture, equipment, and electronics protected. If a peril happens, such as theft or a fire, your insurance can step in to cover the costs of repairing and replacing your property. Keep in mind, however, that every policy has its limits.

Statistically, businesses are affected most often by the following claims:

  • Burglary and theft
  • Water and freezing damage
  • Wind and hail damage
  • Fire

Your business insurance typically covers the above claims. However, these are not the most costly claims. Vehicle accidents are a common and expensive claim among businesses. However, property insurance cannot cover your business’s cars. For your journey and business vehicles to be protected, you must acquire a commercial auto insurance policy. Keep in mind that your property insurance may not cover all of your business’s property.

Commercial property insurance also does not typically cover the following:

  • Commercial vehicles
  • Property damage resulting from employee error
  • Property that was not purchased for the business
  • Personal assets that may be used by the business
  • Property intentionally damaged by the business owner or employees

Talk to the team members at Abatelli Group, Inc. to find out how we can help protect your business’ property. With reliable commercial insurance, we can help your business’s livelihood. Contact us today to get started.

18
Oct

Tips to Set Up an Emergency Plan for Small Businesses

How to develop your emergency action plan.

You’ve worked hard to establish your business, spending countless hours building it from the ground up. Unfortunately, all of that hard work can be destroyed in sheer seconds if a natural disaster or other emergency happens. No business is completely immune to crisis events, medical emergencies, or disasters. Even if you have excellent preventative measures in place, unforeseen events can threaten the livelihood of your small business. To help protect your business better, establish an emergency plan.

Assess hazards.

Start your disaster plan by noting down potential risks your business faces. Possible emergencies include fire, explosions, severe weather, medical emergencies, acts of terrorism, and power outages. Depending on your business’s location, you may have additional risks to think about, such as earthquakes and floods.

Develop procedures.

Once you’ve identified potential risks, your next step is to establish emergency responses to each scenario. Most emergencies require either evacuation or shelter-in procedures, so be sure to consider both possibilities for the different disasters. Create a policy that will specify evacuation routes, an outdoor assembly meeting point, how to assist employees with medical conditions in an emergency, and more. Don’t forget to assign the responsibility of communication to employees, vendors, clients, and guest in case of an emergency.

Include Continuity

If your business is forced to close its doors temporarily after a disaster, how will your company cope? Be sure you know how you can keep operating when the office is closed. Do employees have their own computers? How will you communicate this information to them? How far in advance can you let them know? Discuss continuity plans with your vendors, too, to ensure they have procedures for post-disaster events.

Forward-thinking can help your business recover quickly after a disaster. For all of your business interruption insurance and commercial insurance policies, contact our expert team at Abatelli Group, Inc. today. We serve Whitestone, Flushing, Bayside, Little Neck, and surrounding cities of New York with reliable coverage!

4
Oct

How to Keep Your Data Safe for National Cyber Security Awareness Month

Tips to protect your business’s data.

We’re in a tech age, and that means hackers are finding inventive ways to get a hold of and abuse business data. From vendor details, bank account information, employees’ Social Security Numbers, login details, and more, businesses of all sizes are goldmines for hackers. Since October is Cyber Security Awareness Month, we’ve rounded up some tips on what your business can do to keep data safe.

Back Up

Always back up your business data on a secure server. If possible back up to the cloud – and ensure that your login details are safe. Businesses should regularly back up data in case of a disaster, from fire, natural disasters, and cybersecurity breaches.

Limit Access

How many of your employees can access the sensitive information? You may find that it’s surprisingly easy once they are on the system. To safeguard your data, limit who can access the information, restricting it to only the essential team members.

Update Software

Anti-malware and anti-virus software helps to detect threats – so make sure they’re installed and kept up to date!

Secure Cyber Liability Insurance

Cyber liability insurance is designed to help your business if it does fall victim to a security breach. From recovering data to keep your business’s reputation in check, this coverage is valuable to have.

Talk to the team members at Abatelli Group, Inc. to find out how we can help protect your company data. With reliable cyber liability insurance, we can help your business if it ever falls victim to cyber security breaches. Contact us today to get started.

20
Sep

Your Employee Got Hurt at Work. Now What?

How employers should respond to workplace injuries.

Whether you work on a construction site or in an office, there’s one thing that all business owners need to prepare for: a work-related illness or injury. Employees are only human and accidents happen. While you may do everything to prevent workplace injuries, sometimes they cannot be avoided.

Business owners should know how to handle an injury or illness sustained while on the job. Check out these steps to guide you through the process.

Seek medical assistance. The first thing you need to do after an injury is to get medical care for the injured worker. If it’s life-threatening or after-hours, bring them to the emergency room or call an ambulance. Do this immediately, as you may face legal backlash if the injury goes untreated. If the injury or illness is not severe, you should send him or her to the agreed upon health care provider, preferably one focused in occupational medicine.

Record the scene. Once the employee is under the medical care of professionals, return to the scene and try to preserve it for investigative purposes. Take pictures of the scene and gather information about it. Record eyewitness information and as many details about the accident as possible. This will help you to file the insurance claim.

Transition them back to work. The return-to-work program is going to be different for every injury, but the employers’ support is what makes all the difference. Set up a program that helps the employee return to their role at work. There may be some help needed, such as accommodation, time off work, reduced workload, or modified job responsibilities.

Ensuring that your business has proper coverage before the accident occurs is critical to making the injury care process run smoothly. This means complying with New York’s workers’ compensation laws and having a plan in place with an injury care provider. Not sure where to start? Talk to the team at Abatelli Group, Inc. where our team will help you find reliable coverage.

19
Jul

Data Breach Prevention Tips

Top ways to prevent security breaches.

Businesses maintain incredible amounts of confidential, sensitive, and private information about their consumers, clients, and employees. Because of this, they are often targeted by online thieves who are looking to make the most out of valuable information. Cyber attacks on the rise, making it all the more important to increase your business’s cybersecurity. Check out these tips to get started.

Limit the type of personal information that is collected. Whenever possible, a company should try to limit the type of personal information collected to a minimum, while adhering to the law and accomplishing business objectives. Quite simply, the less information you store, the less you have to protect.

Limit access to personal information. Ensure that such personal information cannot be obtained from any and every computer in the workplace. Be sure that when employees leave the company, the passwords on computer systems change. Restrict access to personal information to qualified personnel.

Store personal information on secure computerized systems. Enable firewalls and other high-security settings on network and wireless systems to prevent unauthorized access by employees or third parties. Use encryption technologies to protect data systems.

Train employees on compliance measures. All employees should be trained in the company’s security and privacy policies. A company’s security and privacy policies should also be enforceable by contract on any third-party vendor that manages personal information on behalf of the company.

Secure cyber liability insurance. Cyber liability insurance is designed to address cyber risks. It typically provides protection for costs associated with data breaches and extortion events. The right insurance program also provides access to skilled professionals to manage the event from start until finish.

Are you ready to get started on your business’ cyber liability coverage? For the business insurance your company needs, contact Abatelli Group, Inc. today!

COVID-19 Update

Our office remains open and our staff is working remotely to continue to service our clients. You can reach us at (718) 352-6000