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8JUNE2014FOGHORNFOGHORNFocuSOPERATIONSMAINTENANcEhwmanypeplewereaffectedwhentheywerecyber-attackedApprximately40millinpeplewereimpactedwhenhackersgtsecureinfr-matinleavingthecnsumersandTargetfnanciallyvulner-able.Frtunatelythereisinsuranceavailabletprtectyuthebusinesswneragainstliabilitythatculdccurifyursecuretransactinsarehackedyurnetwrkisbreachedryurintellectualprpertyisstlen.Allthingsthatbusinessesarevulnerablet.IfyudnethingthisyeartprtectyurselfandyurbusinessIurgeyutthrughlyexamineandcnsideraddingcyberliabilitycveragetyurcurrentinsuranceprtfli.Fraudisfrustrating.ArethereotherwaysthatvesseloperatorsareatriskorstepsthattheycantaketolessentheirriskItisfrustratingbutyeswithalittlefresightresurcesandpreparatinvesselperatrscanreducefraudu-lentclaimsmadeagainsttheircmpany.Frexamplenefurpassengervesselclientsreprtedthatapassengerclaimedthavesustainedaninjuryduetafallasaresultfprlyplacedequipment.Thepassengermadeaclaimfrdamagesagainsttheperatrbutthesavvyvesselperatrhadtakentheprecautinlngbefrefinstallingvidecamerasnthevessel.onelkatthevideftageprvedthattheclaimwasfalse.Itwasimmediatelydrppedmuchttherelieffthevesselperatr.WhatagreatstoryCantheinstallationoftechnologysuchasvideocameraslowerpremiumsUnfrtunatelysimplyhavingthecamerasnthevesseldesntequatetasetdllarfigurediscuntnyurinsurancepremium.Hweverhavingthemcansaveyumneyinthelngrunbyhelpingtlwerclaimscsts.Asintheexampleabvewherethevideftageprvedaclaimasfraudulentthecameraaidedindismiss-ingtheclaimwhereaswithutthecameratheinsurancecmpanymayhavehadtpayutthusandsfdllarswhichwuldlikelyraisesyurinsuranceratesvertime.Camerascanalshelpinreducingtheftiffrexampleyuareaferryperatrthatcarriesfreightrpassengerbelngings.Ultimatelyeveryperatrisratedntheirindividualexperiencesthebestwaythelpkeepyurpremiumsdwnishavingagdclaimhistry.Themremneyaninsurancecmpanypaysutinclaimsnaplicycmparedttheamuntfpremiumchargedfrtheplicythehighertheinsurancerateswillg.Thatmakessense.WhatelseshouldPVAVesselmembersknowaboutAonRiskServicesNortheastInc.PVAmembersshuldknwthatwereheretservethemwiththebestpliciesandinsurersintheindustry.Wehavegreatprductsandgreatratesandwewantthelpvesselperatrssucceedandthrive.Wewuldlvethaveyuaspartftheinsuranceprgramsgiveusacallat1-800-730-7053rsendanemailtcurtney.jnesan.cm.nFormoreinformationaboutAonRiskSolutionsNortheastInc.thePVAEndorsedInsuranceProgramgotohttppassengervessel.cominsurance.aspx