Pokemon Go – Injury Magnet?

Posted on Sun, Jul 17, 2016

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Just in case you’ve been on a deserted island for the past couple of weeks, Pokemon Go is the newest app top the charts.  Over 5 million people downloaded the free app when it became available on July 6, 2016.

What’s Pokemon Go?

Wondering what Pokemon Go is?  According to Wikipedia, “Pokémon Go is a free-to-play location-based augmented reality mobile game developed by Niantic and published by The Pokémon Company.”

“The game allows players to capture, battle, and train virtual creatures, called Pokémon, who appear on device screens as though in the real world. It makes use of GPS and the camera of compatible devices. The game is free-to-play, although it supports in-app purchases of additional gameplay items. An optional companion Bluetooth wearable device is planned for future release, thePokémon Go Plus, and will alert users when Pokémon are nearby.”

Watch Out for Injuries

Interestingly, while Pokemon Go is being heralded for getting people outside and active, many trainers (Pokemon Go Players) are reporting injuries.  

"Not even 30 minutes after the release last night, I slipped and fell down a ditch," said the Reddit user. "Fractured the fifth metatarsal bone in my foot, 6-8 weeks for recovery. I told all the doctors I was walking my dog lol ... Watch where you're going, folks!"

The Pokemon Go app itself includes a warning in the loading screen asking players to pay attention to their surroundings, but it's clear that some people are getting so excited that they forget to heed it. Niantic, which partnered with the Pokemon franchise to create the game, has some rules of the road for its other major title, “Ingress,” that may prove useful.

“Pay attention to your surroundings; you never know what beautiful or interesting things you'll see while playing the game,” the company cautions in its advice to players.

Niantic has also reminded “Ingress” players to respect real-world rules when an in-game point of interest shows up on someone’s private property -- no trespassing -- which is a good reminder for Pokemon Go players and any augmented-reality game the future may bring, too.

In a statement, The Pokemon Company said, "We are constantly looking at ways to add safety features to Pokémon GO and expect to incorporate some features based on user experience into future builds."

Check Out Your Insurance

Our friends at PropertyCasualty365 have a great take on how your insurance can serve you well as this Pokemon Go obsession crosses the country.  A blog Playing Pokemon Go? Here are 3 kinds of insurance you need released on July 15, 2016 and written by Rosalie L. Donlon, reveals how your current insurance can be really helpful if you are playing the game.

Home Owner’s and Renter’s Insurance

“While you’re out and about pursuing those elusive pocket monsters, rest assured that your possessions are covered if thieves break into your home. And, if someone runs off with your mobile phone, you’re in luck if you have cellphone insurance — though it might not reimburse for your lost Pokémon!”

“Also, if you accidentally trample somebody’s flowerbed while hot on the trail of a Bellossome (or a fellow player is injured in your home and decides to sue), most homeowners' and renters' policies have coverage for damage you cause to other peoples’ property and possessions as well as liability for mishaps on your property.”

“Lastly, your Pokédex may be in good order, but you might also want to consider creating an inventory of your real possessions, which can make filing a claim easier in the event of an insurable loss.”

Motor Vehicle Related Incidents

“Hit while running down a Rotom? Depending on who’s at fault (and local statutes), you may be able to file a claim against the driver’s auto liability insurance policy.”

“Almost all states require that vehicle owners and drivers carry liability insurance to cover personal injuries to third parties. Or your own uninsured/underinsured motorists coverage may pick up the tab if not.”

Identity Theft and Cyber Crime

“Sure, the game’s called Pokémon Go, but it’s really your data that’s in play.”

“If thieves make off with your information, many insurers will cover identity theft, either as part of a homeowners' or renters' policy or as a stand-alone policy. Identity theft insurance reimburses victims for the cost of restoring their identity and repairing credit reports and related expenses.”

Have Questions About Insurance?

Taking a break from Pokemon Go?  We’re ready to answer your questions about your insurance coverage.  We’re only a phone call away and can deliver the answers in moments so that you can get back to Pokemon Go.

Dean& Draper is a Trusted Choice insurance agency representing over 200 insurance companies. For over 35 years we have offered a trusted freedom of choice to our clients.  ContactUs..

The recommendation(s), advice and contents of this material are provided for informational purposes only and do not purport to address every possible legal obligation, hazard, code violation, loss potential or exception to good practice. Dean & Draper Insurance Agency specifically disclaims any warranty or representation that acceptance of any recommendations or advice contained herein will make any premises, property or operation safe or in compliance with any law or regulation. Under no circumstances should this material or your acceptance of any recommendations or advice contained herein be construed as establishing the existence or availability of any insurance coverage with Dean & Draper Insurance Agency. By providing this information to you, Dean & Draper Insurance Agency does not assume (and specifically disclaims) any duty, undertaking or responsibility to you.  The decision to accept or implement any recommendation(s) or advice contained in this material must be made by you.

©2016 Dean & Draper Insurance Agency All Rights Reserved.

Topics: Renter's Insurance, auto insurance, Identity Theft, Cybercrime, Home Insurance, Pokemon Go

Combating Cybercrime on a SMBs Budget

Posted on Sun, Jul 19, 2015

binarycodebluetunnel366Which businesses are most frequently the victims of a cybercrime?  Most of us immediately think of the massive cyber breaches of Target, Neiman-Marcus,  Blue Cross Blue Shield, CVS, and Walmart to name a few.  According to Verizon’a 2013 Data Breach Investigations Report, 71% of the data breaches investigated by the company’s forensic analysis unit targeted small businesses with fewer than 100 employees.  Of that group, businesses with less than 10 employees were the most frequently attacked.  Small to medium sized businesses (SMBs) are now a major target for cyber attacks.

Our friends at Atiwa Computing Inc. have provided an eGuide – Combating Cybercrime on a SMBS Budget.  We have selected the excerpts below from their publication to share with you. 

To Stay Secure an Good Defense is the Best Offense

SMBs must understand that the time has come to get serious with their security. Sadly, many small businesses have a false sense of security. In the McAfee/ Office Depot joint survey of 1000 SMBs, over 66% were confident in the security of their data and devices despite admitting to obvious flaws.

Cybercrime is only one cause of compromised data. There are 3 primary causes of breached security at businesses according to the June 2013 Symantec Global Cost of a Data Breach study. Only 37% are attributed to malicious attacks. The remaining 64% are human error and technology errors.

Data breaches aren’t always about bad people doing bad things. Many are the result of good employees making mistakes or of technology failure. SMBs don’t necessarily need a large budget or dozens of employees to adequately protect sensitive data. A secure environment is possible even on a SMBs budget. Here are a few steps to improving data and network security.

STEP 1: KNOW ALL DEVICES CONNECTING TO YOUR NETWORK

Keep a frequently updated list of every device that connects to your network. This inventory is especially important given today’s BYOD (Bring-Your-Own-Device) workplace where employees can access your network through several different devices. Knowing what these devices are and ensuring they’re all configured properly will optimize network security.

All it takes is a regularly scheduled review to add or remove any devices and affirm that every endpoint is secure. Much of this process can be inexpensively automated through a Mobile Device Monitoring (MDM) tool.  A MDM tool will approve or quarantine any new device accessing the network, enforce encryption setting is sensitive information is stored on such a device, and remotely locate, lock, and wipe company data from lost or stolen devices.

STEP 2: EDUCATE & TRAIN EMPLOYEES

Every employee should participate in regular general awareness security training. This will not only reduce security breaches directly tied to employee error or negligence but also train employees to be on the defense against cybercrime. Employees are critical to your security success and the prevention of data breaches. Hackers commonly break into networks by taking advantage of unknowing employees. Phishing attacks – legitimate looking emails specifically crafted to mislead recipients into clicking a malicious link where they’re asked to provide their username and password - are still successfully used by hackers to capture login credentials.

If a large company makes the news for a data breach tied to an infected email, be sure to share that news with employees with a warning. Come up with fun ways to teach employees how to identify spearphishing email attempts and better secure their systems and devices.

It is also important to have a security policy written for employees that clearly identifies the best practices for internal and remote workers. For example, password security is critical and passwords should be frequently updated to a combination of numbers, lower case letters and special characters that cannot be easily guessed. Security policy training should be integrated into any new employee orientation. This policy should be updated periodically. More important than anything, this security policy must be enforced to be effective.

STEP 3: PERFORM AN AUDIT OF SENSITIVE BUSINESS INFORMATION

If you want to keep your most sensitive business information secure, it’s important to know exactly where it’s stored. A detailed quarterly audit is recommended.

STEP 4: USE CLOUD AND MANAGED SERVICE PROVIDERS

Overall, the cloud is likely a more secure data solution for small business. Any conception that the cloud isn’t safe is outdated. Most of 2013’s security breaches were the result of lost or stolen devices, printed documents falling into the wrong hands, and employee errors leading to unintended disclosures. It’s fair to speculate that many of these breaches wouldn’t have occurred had this information been stored in the cloud rather than computers, laptops, and vulnerable servers.

SMBs with limited budgets are actually enhancing their security by moving to the cloud. Since there is no way a SMB can match a large enterprise’s internal services, moving services like emails, backups, and collaborative file sharing to the cloud not only reduces total-cost-of- ownership, and gives access to top-level security to better defend against internal and external threats.

Meanwhile, a Managed Service Provider (MSP) can assume responsibility for security measures like the administering of complex security devices, technical controls like firewalls, patching, antivirus software updates, intrusion-detection and log analysis systems.

MSPs are also capable of generating a branded risk report for any potential client or business partner reviewing your security measures. This third-party manual assessment of your network security can instill confidence in prospective business partners by proving to them that any possible security risks or vulnerabilities will be properly managed and addressed.

ATIWA Computing Inc. is ready to answer your cyber breach prevention questions.  We hope that the information in this article will be useful in protecting your business. 

At Dean & Draper we are your source for information and choices for your cyber breach insurance protection.  We welcome your calls.

Dean & Draper is a Trusted Choice insurance agency representing over 200 insurance companies. For over 35 years we have offered a trusted freedom of choice to our clients.  ContactUs.

Topics: Tech Alert, Cyber Liability Inaurance, Cybercrime