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Online holiday shopping could wreak havoc within the workplace

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The internet gives small-business owners an opportunity to increase the speed and efficiency of their staff through the use of cloud computing, mobile devices and virtualization. However, allowing their employees to shop online could pose serious cybercrime concerns that could potentially debilitate a company.

The holiday season is usually a time when employees kick up their internet shopping in the workplace. According to recent research put together by CareerBuilder, less than half of respondents said they plan to do some shopping in their workplace this year, which is comparable to numbers from similar surveys in years past.

“Employers tend to be more lenient when it comes to workers using breaks or down time to get online and – in some cases – take care of some online shopping,” said Rosemary Haefner, vice president of human resources at CareerBuilder.

Employees must remain responsible in the office
Small-business owners who haven’t created an Acceptable Use policy need to do so so their employees are aware of what sites they are allowed to surf and how they can use the internet while at work, especially with the holidays just around the corner.

The survey demonstrated 30 percent of respondents said they’re most likely to partake in online shopping at work after December 7, but some aren’t following the rules set forth by their employers. Eleven percent of respondents said they have fired an employee for something they posted on social media, while 7 percent have sent an employee packing because they were holiday shopping at the workplace.

Shopping while at work, or using the internet for unintended purposes, also has the potential open up a business to cybercrime. Employees must remember to always make sure they are shopping on trusted websites and they are not visiting foreign pages. With necessary protection such as cyberliability insurance, small-business owners can ensure their company is safe from various forms of cybercrime.

“However, it is the employee’s responsibility to know and adhere to their company’s policy regarding Internet usage, said Haefner. “Be aware of how you spend time on the Web, and don’t let your holiday shopping get in the way of your productivity.”

 

General Liability Insurance

What Is General Liability Insurance? Commercial General Liability Insurance protects small-business owners from claims of injury, property damage, and negligence related to their business activities.

Workers’ Compensation

What Is Workers’ Compensation Insurance? Workers’ compensation insurance covers your employees’ medical expenses and at least some portion of their lost wages if they are injured on the job.

Business Owners Policy

What Is a Business Owners Policy? A BOP is simply bundled insurance designed to provide essential coverage to certain business owners at a competitive price. A BOP insurance coverage includes

Professional Liability Insurance

Professional liability insurance also called , errors and omissions insurance (E&O; insurance), protects you if a client claims that your services caused them to suffer a financial loss. While general liability insurance is primarily focused on property damage or bodily injury,

Disability Benefits Insurance

Employers in New York State are obligated to offer disability benefits insurance to their employees. This coverage is specifically designed to provide financial assistance in the event of off-the-job injuries or illnesses.



Business Umbrella Insurance

Without Business Umbrella Insurance (also sometimes called Umbrella Liability Insurance or Excess Liability Insurance ), you would have to pay the uncovered expenses out-of-pocket. Even if you carry General Liability Insurance for your business, without business umbrellainsurance you might face a repair, settlement, or judgment in excess of your coverage limit.

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