Tag Archive for: security

Shopping Online for the Holidays? Use These Cyber Security Tips!

Safety comes first when you’re shopping over the season. Use these cyber security must-knows.

The holidays are just around the corner, and that means the gifting season is almost upon us. If you’re someone who hates to brave the sales in stores, you’re not alone. The retail sales from online orders alone have skyrocketed over the past decade, meaning that more are shopping online more than ever. If you’re one of those who takes the Internet by storm and gets all the gifts in one click, you’ll need to keep cyber security at the top of your to-do list.

When you’re providing personal information online, you want to ensure that it is protected. While there’s no secret formula for this yet, there’s definitely active steps that you can do to minimize the risk of getting scammed out of your hard-earned money and having your information compromised.

Here are six simple steps that you can do to stay safe shopping online!

  • Trust your gut – You wouldn’t shop in a dodgy-looking retail store, so why do so online? If the website appears shady, has a weird address, and fills your screen with pop-ups, just forget about it.
  • Never use public Wi-Fi – Most Wi-Fi hotspots don’t encrypt your data. Any neighborhood Starbucks hacker can pluck your identity out of the digital air if he has the right software.
  • Check our credit card statement frequently – Using a credit card is really the only smart way to shop online. If you buy from a scam site using your debit card, check, or cash, there’s no way to get your money back. If you use a credit card, the card companies have to reimburse you for your fraudulent charges under the Fair Credit Billing Act.
  • Change your passwords regularly – Even though it’s a pain, changing your passwords every three to six months help to keep your information and account safe.
  • Look for HTTPS in the URL – If the URL is just HTTP, be careful with the information that you share. The ‘s’ means that the way that your information is being sent is secure.
  • Update your browser – Each new version of your Internet browser, especially if you use one of the most popular browsers, gets a boost in security.

Don’t fall victim to daylight robbery online! Be sure to put these tips into practice to protect yourself and your information while cruising the web for your holiday gifts.

For the cyber security tips that you need, as well as reliable insurance for your business and personal life, contact the professionals at Chambers & Company Insurance Brokers today to get started!

Effective Retail Risk Management Strategies You Should Be Using

Retail Risk Management Strategies You Should Be Using

Risk management in the retail business – Implement these strategies to reduce the risk

Recent breaches at major retailers have highlighted the risks that businesses in the retail industry face. In fact, a recent Verizon report reveals that retail makes the list of top five industries with the most data breaches. This explains how important risk management in the retail business is. We want to help you protect your retail business physically and digitally, so we’re offering these retail risk management strategies.

  • Equip your employees. Make sure you have people on the ground who know the risks facing your business and how to mitigate them. For example, if your store is in a high-theft area, it’s wise to hire a security guard who will focus on eliminating that issue. Then, empower every member of your team to take steps to slash your risk—from monitoring exits to checking IDs with credit or debit purchases to verifying currency.
  • Keep records. As liability claims are increasing year after year, your business needs to consider that it could be held liable for an injury in its store. Take steps to minimize hazards (e.g. having someone walk through at certain times of day to look for tripping or slipping hazards) and keep thorough records on those steps. These steps will save you if you are taken to court!
  • Stay up-to-date digitally. Routinely evaluate and update your software so you can patch any vulnerabilities. While updating, opt for two-factor authentication and take note of any abnormalities in administrative access.

We hope that these effective strategies will help you with risk management in the retail business. That’s why we offer top-tier commercial insurance to our retail clients. Contact the dedicated California agents at Chambers & Company Insurance Brokers to get the right commercial policies to manage your retail business’ risk.