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26 Chester County Life CHESTERCOUNTY-LIFE.COM I N S U R A N C E Insuring what you value has always been important yet most individuals dont consider the most important one when managing their insurance risks Identity. An identity thief needs only a few bits of your personal information to commit identity theft and fraud. Be vigilant and proactive in protecting yourself. formation stolen. Businesses must uphold the privacy laws of the state in which the client or patient lives and for some businesses that can become very complicated Davis pointed out. Cyber business liability insurance policies provide guidance with the following complex questions. How do you notify your clients in the event of a data breach How and when are you required to no- tify them What must you offer them such as free credit monitor- ing service Business owners regardless of size need to understand and abide by the laws. Cyber liability insurance policies provide a service whereby clients or patients are notified properly and all state laws are followed to the letter. To further complicate matters medical offices must follow the federal HIPAA Privacy Rule or face fines for potential violations. It can be quite expensive to resolve a data breach said Davis. Business owners can face out-of-pocket expenses if they do not have this protection and their systems are hacked resulting in sto- len information. THE THREAT OF LAWSUITS Another risk Davis advises clients to assess in their insurance cov- erage is the potential for litigation that may result when they a family member or employee uses social networking and is libelous or reveals unauthorized information about a person or company. It can and often does result in ligation now that social media is at everyones fingertips. When you think about the volume of electronic posts or videos that are distributed online the potential for lawsuits is very real wayne art center presents March 18-April 30 Reception Sat April 2 1-4pm 12th International Juried Quilt Exhibition 66 Quilts WayneArtCenter 413MaplewoodAve WaynePA19087 610-688-3553 artquiltelements.org Elizabeth Brandt Selected Stories said Davis. Be sure you have personal in- jury coverage included in your insurance program or you may not have protection if you are sued. AN OUNCE OF PREVENTION Insuring what you value has always been important yet most individuals dont con- sider the most important one when man- aging their insurance risks Identity. An identity thief needs only a few bits of your personal information to commit identity theft and fraud. Be vigilant and proactive in protecting yourself. Contact MAGIS Insur- ance Group for help designing the best plan for you. CCL Nothing in this article is meant to determine specific insurance determination for a particular loss. Only the terms conditions and exclusions of the policies issued and in force at the time of a loss in its entirety will determine an insurers obligation to a policyholder. MAGIS Insurance Group 531 E. Lancaster Ave. Wayne PA 19087 484.588.2711 MAGISinsurance.com