What Is Reputation Insurance

What Is Reputation InsuranceCredit 13_Phunkod/Shutterstock Launching a business and building it into a strong, recognizable brand takes time, effort and investment. Tarnishing that brand, though, only takes one major crisis. Loss of reputation is a big risk for any brand, potentially costing future business or even forcing a company to close its doors entirely. Luckily, insurers recognize that risk and underwrite it like other threats facing businesses.But what exactly is reputation insurance, and how does it work? How can something as abstract as reputation be quantified and rolled into an insurance policy? And is reputation insurance right for a small business?Editors note Looking for a reputation management tafelgeschirr for your business? If you want information to help you choose the service thats right for you, use the questionnaire below and our sister site, BuyerZone, will provide you with information from vendors for freeWhat is reputation insura nce?Reputation insurance is a catchall term that refers to a variety of protections found in a variety of insurance policies. Sometimes it serves as a stand-alone product, but fruchtwein times it comes baked into mora comprehensive coverage, said Jim Loughlin, senior director of sales at CoverWallet.If youre looking specifically at reputational risk insurance, theres a broad aspect to it, Loughlin said. There is reputation coverage in some standard policies you already buy, all the way down to specific reputational risk policies geared toward covering an actual loss on your balance sheet due to a sales drop based on a reputational incident.Some of the most common reputational risk insurance comes in the form ofBusiness owners liability insurance Some of the most basic liability insurance policies can include reputational risk coverage. The coverage in this schrift of insurance is often minimal, including events like libel or slander lawsuits and advertising injury, which could occur because of accidental use of false or offensive information in marketing materials.Cyber threat insurance Cyber threat insurance is focused specifically on data disseminated online or communicated across a companys network. Reputational risk coverage included in this type of policy generally relates to activity on social media and sensitive customer data that could be compromised, resulting in harm to the brands reputation.Crisis management insurance Crisis management insurance will cover the emergency use of public relations teams to mitigate any future damage that could occur to a brands reputation following a public incident. For example, if your business suffers from a data breach, crisis management insurance would kick in and retain a PR firm on your behalf to address the issue in a proactive way.Reputation insurance Specific reputation insurance is typically reserved for very large companies and is less common than the forms of reputational risk coverage found in wider-rangin g policies, Loughlin said. These policies cover an actual loss in sales resulting from a brand-damaging incident. However, this coverage can be difficult to quantify and underwrite, meaning premiums are significantly more expensive than those associated with more common insurance policies. Interested in finding the right online reputation management service for your small business? Check out our best picks.How could reputation insurance help my small business?Since stand-alone reputation insurance is often cost-prohibitive for small businesses, most rely on the crisis management coverage set out in their business policies, said Michael Perry, vice president of property and casualty at CBIZ.The main risk is that a crisis associated with your business will bring with it so much hardship that the survival of the business is unlikely, Perry said. Small companies often have some limited coverage for crisis management. Most policies also afford coverage for slander and/or trespassing, fo r example, which may cause reputational damage.But, he added, every carrier is different.According to Loughlin, small business owners considering augmenting their standard policy with one that provides more crisis management or cyber liability coverage should ask themselves a few questions to gauge how significant a risk theyd be taking without itHow many sensitive records do you retain?Have you ever had a breach in the history of your company?What are your revenues, and how would they be at risk in the event of an incident?These are the same questions underwriters consider when drafting reputational risk policies for small business. When you consider that buying insurance is essentially shifting the burden of risk from your own company to an insurance company, the answers to these questions become informative as to whether you should purchase more insurance. According to Loughlin, cyber liability insurance remains the most common policy required by small businesses today.Discussion s of reputational risk have been swirling around the insurance industry for a long time, Loughlin said. Experts are always looking at ways to better insure it. The real highlight of todays day and age is cyber liability and crisis management resulting out of data breaches. Adam C. Uzialko Adam C. Uzialko, a New Jersey native, graduated from Rutgers University in 2014 with a degree in Political Science and Journalism & Media Studies. In addition to his full-time position at Business News Daily and Business.com, Adam freelances for a variety of outlets. An indispensable ally of the feline race, Adam is owned by four lovely cats. 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Taleo 4 Ways the Most Popular ATS Ranks Your Job Application - Jobscan Blog

Taleo 4 Ways the Most Popular ATS Ranks Your Job Application - Jobscan BlogPosted on March 8, 2018June 14, 2019 by Jon Shields Virtually all large employers utilize anapplicant tracking system(ATS) to manage their simultaneous job openings and high volumes of applicants. These systems make it possible for recruiters and hiring managers to comb through hundreds or thousands of applicants, but theyre not without their drawbacks.Resumes and applications that arent optimized for these systems might never binnensee the light of day in what many job seekers call the resume black hole.Read more What is an applicant tracking system?If youre on a job hunt, one ATS you have probably encountered (whether you realize it or not) is Taleo.What is Taleo?Taleo is the most used applicant tracking system today with adominant 30%market share among Fortune 500 companies.Owned by Oracle, Taleo doesmore than simply organize inbound job applicants. Human resource representatives can use Taleo to track comm unication with applicants, onboard new hires, generate reports, and much more. The system is highly customizable to a companys needs, meaning any two companies could be relying on a completely different set of features.Companies that Use TaleoA few of the many companies that use Taleo includeStarbucksNikeMarriottNintendoTeslaKaiser PermanenteNordstromBoeingWalgreensHPUS BankUnited AirlinesDeloitteAmerican ExpressSiemensDellToyotaIntelCitiATTVisaAmerican AirlinesJohnson JohnsonIntuitYou can often spot the specific ATS a company is using by looking at the URL of the job application. For example, a Starbucks job listing has a URL that looks like thisstarbucks.taleo.net/careersection/1000222/jobsearch.ftl?lang=enLOCATION=200000194CATEGORY=200000027src=CWS-117004 Ways Taleo Ranks and Filters ApplicantsThere are a number of ways that Taleo could reject or breeze past your application depending on how a recruiter chooses to use the tool. If youre applying for a job through Taleo, keep the se in mind.1. Tiered Scoring for Knockout QuestionsKnockout questions are commonly incorporated into online job applications. They are typically pass/fail and allow recruiters to automatically screen out applicants who dont meet basic requirements. For example Do you have a valid drivers license? or Are you willing to work weekends?Taleo takes knockout questions beyond pass/fail by allowing recruiters to designate more than two examples and assign point values to the answers.In this example, the recruiter is asking,How many years of research and management experience do you possess? They can then enter different experience ranges and assign each a score. This recruiter is most interested in candidates with 3-6 years of experience as illustrated by the corresponding score. Additionally, the buttons on the right allow the recruiter to highlight or knockout candidates based on certain answers.Applicants answer a series of these questions and, if not rejected outright, earn a score that is compared to the other applicants.2. Bonus Points for Certain Resume KeywordsSimilarly, point tiers and knockouts can also be assigned to specific keywords within the ATS resume and application itself. For example, a recruiter can set up Taleo to assign a 15-point bonus to an applicant that mentions one of the skills in the nice to haves section of the job description.3. Automatic Resume ScoringEven if a recruiter opts not to manually assign extra points to certain keywords, Taleo automatically scores applications and resumes based on their contents in what they call Req Rank.Taleo parses the text from your resume and application then compares it to the job description. Recruiters can filter out applicants that dont score above a certain threshold. Naturally, theyre more likely to consider applicants that jump to the top of the ranking.Because of features like these last two, its critical for you to tailor your ATS resume to the job description and home in on the most important r esume keywords. One way to do this is by analyzing the job description for key skills and phrases that are emphasized or repeated.Jobscan was built to mimic the scoring algorithms found in Taleo and other top ATS. You can get an instant analysis of how your resume keywords stack up against the job listing by pasting them in below.span data-mce-type=bookmark style=anzeige inline-block width 0px overflow hidden line-height 0 class=mce_SELRES_start?/spanspan data-mce-type=bookmark style=display inline-block width 0px overflow hidden line-height 0 class=mce_SELRES_start?/spanspan data-mce-type=bookmark style=display inline-block width 0px overflow hidden line-height 0 class=mce_SELRES_start?/spanspan data-mce-type=bookmark style=display inline-block width 0px overflow hidden line-height 0 class=mce_SELRES_startspan data-mce-type=bookmark style=display inline-block width 0px overflow hidden line-height 0 class=mce_SELRES_start?/span?/span4. Boolean SearchesRecruiters can search their app licant pool within Taleo for specific skills and keywords, or even craft complex Boolean searches with and, or, and not operators (among other modifiers) to fine tune their results.You should hope that the recruiter is using a robust Boolean string because Taleos search is not very intelligent on its own.It cannot differentiate between the searched term and common variants based on tense, plurals, abbreviations, acronyms, etc. For example, a search for project manager wont return results containing only project management, nor would a search for Certified Public Accountant return results containing only CPA.Because of this, its important to try and mirror the language found in the job description. If a recruiter or hiring manager used a specific form of a keyword while writing the job description, its a reasonable assumption that theyll use the saatkorn version of the word to search their applicant database.If you have room on your resume, try using both forms of the keyword just in case. For example, Master of Business Administration (MBA).Get Additional Taleo ATS TipsGet more Taleo-specific tips by using Jobscans ATS Tip feature. Learn more by watching the one-minute video belowLearn more about ATSWhat is an Applicant Tracking System?8 ATS Resume Secrets You Need to KnowJobscan Learning Center Applicant Tracking SystemsFacebook Commentswpdevar_comment_1 span,wpdevar_comment_1 iframewidth100% important

Open Universities Study Period 2 enrolments closing soon

Open Universities Study Period 2 enrolments closing soon Open Universities Study Period 2 enrolments closing soonPosted October 13, 2011, by Louisa VeidelisWant to study a subject or a degree from home, in your own time? You better hurry your weg to sign up for Open Universities Study Period 2 is drawing to a close. Studying by distance or correspondence is a great alternative to on-campus study for people with work or family commitments, accessibility issues or those who live in rural/remote areas. If you work full-time or have a busy lifestyle this could be the way to achieve your personal and career goals.You only have a few weeks left to enrol. Open Universities Australia Study Period 2 enrolment closes 14 May (enrolling over the phone) or 16 May (enrolling online), to start studying on 31 May.There is a wide range of units and courses available, from the Bachelor of Communication and Bachelor of Technology to anMBA (Executive). To find units/courses of interest with Open Uni versities, which is a trusted partner of Career FAQs, browse over 100 bachelor degrees, graduate certificates/diplomas and masters degrees offered by Open Universities Australia. You may choose to study units or a degree to help you progress further in your career or start you on a new career path. Simply complete the enquiry fasson underneath the course that interests you and a Study Consultant will advise you on your options. See a list of Open Universities Australia courses. ResourcesMy first resumeCover letter for my first jobCareer Insider StoriesShelley Lask - Body Positive Health & FitnessInterested in becoming a?Human Resources OfficerGeneral ManagerBusiness ManagerAccountantOffice Administrator CoursesBachelor of Social WorkEnquire Online Enquire OnlineCertificate III in Health AdministrationEnquire Online Enquire OnlineBachelor of Criminal JusticeEnquire Online Enquire OnlineCertificate III in Allied Health AssistanceEnquire Online Enquire OnlineLouisa VeidelisRelated ArticlesBrowse moreCareer progressionDressing for workCan Dressing For Success Actually Lead To Success? Tips For A Smart Casual OfficeWould changing the way you dress affect your wertmiger zuwachs and your boss perception of your abilities? The answer is yes and heres the science to prove it.Real EstateReal estate careers boom or bust?The property market is booming but does that mean a job in real estate is a sound career move? From courses, to commissions to your competition, weve got all your questions answered.WritingThe Write StuffTheres no more valuable skill in the workplace than the ability to write professionally, and well. Find out why everyone needs to hone their writing skills.

Get Ready for Generation Z

Get Ready for Generation ZGet Ready for Generation Z*/Read the infographic text.GET READY FOR GENERATION ZBy 2020, theyll make up 20% of the total workforceWORKPLACE EXPECTATIONS77% EXPECT TO WORK HARDER THAN PREVIOUS GENERATIONS$46,799 MEAN SALARY EXPECTATION PER YEAR FOR THEIR FIRST JOB AFTER COLLEGE5 YEARS AFTER COLLEGE, THEYD LIKE TO BE20% Entrepreneurs24% Working their way up the corporate ladder32% Managing employees4 AVERAGE NUMBER OF ORGANIZATIONS THEY EXPECT TO WORK FOR THROUGHOUT THEIR CAREERSCAREER ATTITUDES82% SAY THEIR PARENTS WILL HELP INFLUENCE THEIR CAREER DECISIONS30% WOULD TAKE A 10-20% PAY CUT TO WORK FOR A COMPANY WITH A MISSION THEY DEEPLY CARE ABOUTTOP 7 JOB SEARCH PRIORITIES1. Growth opportunities2. Generous pay3. Making a positive impact4. Job security5. Healthcare benefits6. Flexible hours7. Manager to learn from50% WOULD LIKE TO RETIRE BEFORE AGE 6054% EXPECT TO WORK UNTIL THEYRE 61-70 YEARS OLDWORKING WITH GEN ZATTITUDES TOWARD COWORKERS52% FEEL IT WILL BE EASY TO WORK WITH GENERATION X-127% FEEL THE SAME ABOUT THE BABY BOOMER GENERATION-2WORK ENVIRONMENT PREFERRED COLLABORATING WITH A SMALL GROUP IN AN OFFICE SETTINGLEAST IDEAL WORKING OFF-SITE AS PART OF A VIRTUAL gruppe74% PREFER TO COMMUNICATE FACE-TO-FACE WITH COLLEAGUESQUALITIES VALUED IN A MANAGER38% Honesty/integrity22% Mentoring abilityroberthalf.comroberthalf.com/generation-z1-Individuals born roughly between 1960-19802-Individuals born roughly between 1946-1964 2015 Robert Half Company. An Equal Opportunity Employer M/F/Disability/Vet. RH-0715Source Robert Half, Get Ready for Generation Z research reportBruce Tulgan, Rainmaker Thinking, Meet Generation Z The Second Generation Within the Giant Millennial Cohort research report.

A New Ally Against Skin Cancer

A New Ally Against Skin Cancer A New Ally Against Skin Cancer James Tunnell, associate professor of biomedical engineering at the University of Texas, grew up in Corpus Christi, taking in the beach as child. Though he enjoyed all the fun that came with it, he was aware of something else as well. I was aware of skin cancer from that environment and I also had a family history of it, he says. It would be nice to hopefully be able to do something about it.His team is working on a device for detection that he hopes will reduce the number of costly CT scans needed and speed up detection. There was a linking up with some faculty at MD Anderson Cancer Center, so we built up a prototype and worked on a concept and I was then also introduced to collaborator Jason Reichenberg, he says. The device is kind of in two pieces. Theres a box, the utensil that houses the lights and light spruces and detectors, and its on a cart where you wheel it around similar to a cart in a hospital. The other piece is a handheld probe shaped like a pen and is connected via fiber optic to the cart. The technician or physician holds the pen in their hand and places it in contact with the skin, hits a button and it cycles through shining different colors of light. The goal is a yes-no device when it comes to skin cancer.He describes the inside of the pen as a bundle that contains different types of optical fibers. What we did was combine three different kinds of spectroscopy, he says. You have to arrange the fiber in specific geometry and put lens and filters inside of there. Fibers are on the order of 200 microns in diameter and, depending on what version, were talking about maybe 10 of those fibers inside of the pen.A diagram of the probe. Image E.Marple / EmVision LLCOne challenge was in the area of speed. Patients dont spend a lot of time in the room so you need to be quick in getting the data you want, he says. We built prototypes before that were way too big and slow because of practical r easons. Fortunately technology caught up in the last five or ten years and LED is becoming very cheap. It now takes just a few seconds for a measurement, he says, and the third generation of the device is roughly a quarter of the size it once was. It was once about the size of a desk, he explains.Their results for melanomas and non-melanoma have been very strong, he says. In addition, they recently started a clinical study with 250 patients. All three spectroscopies are being performed through one fiber in one handheld probe and they will see if they can maintain a high level of accuracy.A hope is that when we are finished with the trial work that someone with good commercial experience will find a great market for it and we can get these devices helping the public, he says. I think there are possibly a number of scenarios where it could improve care. People are reluctant to get tested if they think they will get cut on. And think about how many biopsies it can take to find one mela noma. This could make things different.Eric Butterman is an independent writer.Learn about the latest trends in bioengineering at ASMEs Global Congress onNanoEngineering for Medicine and Biology. For Further Discussion Think about how many biopsies it can take to find one melanoma. This could make things different.Prof. James Tunnell, University of Texas

How to Survive Work When You Cant Take a Vacation -The Muse

How to Survive Work When You Cant Take a Vacation -The MuseHow to Survive Work When You Cant Take a Vacation Youre burnt out. Every day you sit down at your desk with an overwhelming sense of dread and exhaustion. Youre barely treading water, and you just cant shake the feeling that the moelendony and stress is about to swallow you whole. You need a vacation people tell you, as if you didnt already know that a week spent napping in a hammock or hiking in the woods would lift your spirits.But, heres the problem Its not that simple. You cant just pack up and go. Maybe your vacation days are already dwindling. Or, perhaps you have way too much on your plate to suddenly shut down your computer and unplug for a while.So, now what? Do you just need to keep trudging through that wet cement of your daily life and do the best you can despite your increasing stress?Not exactly. Fortunately, there are a few other things you can do to press your replatzdeckchen button that dont involve hopping o n a plane or sipping Mai Tais (we wish, right?). 1. Change Your SceneryGIF courtesy of Giphy.No, maybe you dont have the luxury of gazing out at the ocean or some other exotic landscape anytime soon, but changing your surroundings in more minor ways can still have some positive effects on your attitude and work ethic. Why? Well, various psychological experiments and studies have pointed out that- as humans- were incredibly context-dependent. Put simply, our environments cue us in on the various habits and behaviors we associate with those surroundings.So, if youve grown accustomed to feeling miserable and disheartened when staring at your same cluttered desktop or drab cubicle walls, its going to be that much harder to shake that emotion- unless you switch things up a little bit.This can be as simple as swapping out your computer background and adding a plant, a photo, or a new desk toy. Or, you can go all-in and totally rearrange the setup of your workspace. If you have a ton of fl exibility in your office, you can try working from a different area- such as a shared lounge or even a picnic table outside.Rest assured, you dont need to jet set to get a renewed perspective. Even these smaller changes can make a big difference in your overall outlook. 2. Switch Up Your RoutineGIF courtesy of Giphy.Its human nature to stick with what we know- its called the status quo bias. We find a sense of comfort in the safe and predictable.But, every now and then, that can backfire We white-knuckle our precious routines, even when they arent working for us anymore. With that in mind, being willing to make some tweaks to your daily habits and schedules can also have some positive effects.For one, youll find a renewed sense of focus. Neuroscientists have proven that our brains are always seeking novelty- were always keeping one eye open for that next bright and shiny thing. By making some changes (even small ones) to your routine, you give your brain that sense of newness that i ts looking for- meaning youll enjoy increased focus on whatever it is youre working on. Secondly, youll also improve your creative thinking. Straying away from your predictable systems and workflows increases your brains neuroplasticity- that is, its ability to form new connections between different thoughts. Put simply, having some flexibility in your routine also makes your brain more flexible. So, go ahead and move your afternoon workout to the morning before you head into the office. Or, make it a goal to eat lunch away from your desk, rather than working right through. You might be surprised by the results 3. Unplug When You CanGIF courtesy of Giphy.I know that youre sick of people telling you to just unplug and disconnect when youre feeling overworked. Tuning out your inbox and shutting off your phone isnt always realistic- you have work to do, after all.However, dont think of this as an instruction to totally disengage from your work. Instead, its an encouragement to identify those pockets of time when you could possibly put down your phone or step away from email to give yourself a much-needed break.Does your phone need to be the first thing you look at before you go to sleep and when you wake up? Do you need to be obsessively scrolling through your texts when youre unwinding in front of the TV or enjoying dinner with a friend? No.You cant disconnect completely, and I get that (trust me, I do). However, give yourself permission to take a step back and unplug a little bit- at least when youre not actively working. You might not be able to take a full-blown vacation. But, even a little bit of time off from the constant pressure of your work life is sure to have a positive impact on your attitude and stress levels.Feeling like youre on a hamster wheel of never-ending tasks and to-dos isnt fun. And, it becomes especially difficult when you dont have the light at the end of the tunnel- in the form of an upcoming vacation- to inspire you to keep pushing.If t hings are really bad and youre feeling particularly overwhelmed and overworked, that situation very well might warrant a conversation with your anfhrer about how you can unload some of your duties and achieve a more manageable workload. (And here a few tips for having that conversation.) However, if you feel like you just need some smaller changes to hit the reset button and renew your focus and outlook, these three adjustments can really make a big difference- no PTO or plane tickets required.

Survey 36% of Americans look at their bank account daily

Survey 36% of Americans look at their bank account dailySurvey 36% of Americans look at their bank account dailyHow often do you check on your bank account? Are you someone who forgets to do so for weeks at a time, or someone who checks it multiple times a day?Depending on which category you fall in, new data from Lexington Lawmight resonate with you it shows that 36% of Americans look at their bank account every single day. More than 5,000 people were surveyed in total, although different groups weighed in on each question.Heres how often people look at their bank accountWhile previous research from Fidelity has found that 64% of Americans know their partners bank account passwords, Lexington Law found that looking at it is a regular habit.Heres how often people say they check their accountEvery day 36%Once a Week 30%Once a Month 8%Twice a Month 8%Less Than a Month 18%Heres where Americans stash their cashAn alarming amount of people- almost half- say they dont save any money at a ll.I Do Not Save Money 43%Savings Account 25%Mutual Funds 12%Stocks 11%Real Estate 6%Bonds Certificates of Deposit 3%Americans relationships with their leistungspunkt card(s)Heres how often respondents say they look at their credit scoresDaily to Weekly 6%Monthly 17%Semiannually 8%Yearly 15%I Do Not Check My Credit Score 54%So, how many credit cards do respondents have in their wallets? The research found thatwhile 40% of respondents said they dont have any credit cards, 17% said they have one, 16% said they have two and 11% said they have three. Just 10% said they have five or more credit cards, and 6% have four.This survey should come as an alarm for some who are falling behind on tracking personal finances and staying up on their budgets. These numbers are surprising and we hope to see Americans better their finances,John Heath, Directing Attorney at Lexington Law, told Ladders. This may be achieved through the use of newer technologies and apps that have made good personal fina nce management easier to achieve.