Insurance Insights: The Cleary Insurance Blog
The Cleary Insurance blog covers insurance, risk management, and financial planning for New England businesses and individuals. Our team of licensed advisors and specialists publishes regular articles on commercial and personal coverage, employee benefits, life and financial planning, and insurance compliance. Browse recent articles below, or use the category filters to find topics relevant to your business or personal situation.
Using Free AI Tools Responsibly
Protecting Your Personal Information
Artificial intelligence (AI) tools are becoming more common in everyday life. Many free AI platforms can help with simple tasks such as writing, organizing ideas, or answering general questions. While these tools can be helpful, it is important to understand how they should—and should not—be used, especially when personal information is involved.
Free AI tools are not designed to securely handle Personally Identifiable Information (PII). PII includes details such as Social Security numbers, dates of birth, driver’s license numbers, financial information, policy numbers, addresses, and other sensitive data that can identify an individual. Sharing this type of information on public or free AI platforms may put your privacy at risk.
As an insurance agency, safeguarding your personal and financial information is one of our highest priorities. We use secure, approved systems to manage your data and follow strict privacy and security standards. For this reason, we do not use free or public AI tools to process, store, or review client-specific or policy-related information.
AI can be useful when used appropriately, but it should never replace secure communication channels or trusted agency systems. Protecting your information requires thoughtful use of technology and an ongoing commitment to confidentiality.
Winter Weather Maintenance Tips
Winter can be a beautiful time of year, but winter weather can wreak havoc on your home. Colder temperatures, ice, and snow can cause ice dams, slips and falls, and other unpleasant winter-related issues. Properly maintaining your home can help keep common home problems at bay this winter.
Use these 10 tips to help you avoid winter woes at home and truly enjoy the chilly season.
- Stop The Drafts – Repair caulking around doors and windows, as well as any weatherstripping. In addition, seal any cracks in foundation walls.
- Check Your Fireplace and Chimney – Have a chimney sweep check your chimney for any debris or cracks, and clean your fireplace.
- Prevent Ice Dams – Clear your roof and gutters of slush after heavy snowstorms to prevent ice damming.
- Clean Heating Vents – Ensure your vent pipes are free of obstructions and remove any dust and debris.
- Stop Slipperty Surfaces – Purchase salt, ice melt, or sand before the snow falls. These provide extra traction for slippery sidewalks, steps, and driveways. If you have pets, be sure you use pet-safe materials.
- Keep Entryways Clean – To prevent slippery indoor surfaces, use mats and boot trays for wet shoes and boots. Place a tray underneath clothing hooks when drying wet items.
- Pack A Winter Emergency Kit – Prepare a kit that includes bottled water, nonperishable food, flashlights, first-aid supplies, batteries, a smartphone charger, and a blanket for emergencies.
- Check For Leaks – Check your attic and crawlspace for signs of a water leak. Be sure to repair any leaks promptly.
- Protect Your Air Conditioner – Place a sheet of plywood with a few bricks on top of your AC to prevent falling icicles and debris from damaging your condensing unit.
Also, remove and store any window air conditioner units. - Turn off the outside water – Turn off the water supply to outside faucets to prevent broken pipes.
Contact Cleary Insurance, Inc., for more information on winterizing your home.
ChatGPT and the Workplace
ChatGPT -An artificial intelligence (AI) chatbot made waves for producing human-like text from user inputs. Released in November 2022, the current version is accessible to anyone with a computer and internet connection and produces usable written content on a wide range of topics, supporting decision-making. Since this technology is accessible to employers of all sizes, it presents an opportunity for organizations that strategically leverage it. Even if employers don’t plan to incorporate AI into their operations, it’s still important to understand these tools and their limitations, as employees may already be using them without their employers’ knowledge or permission.
What Is ChatGPT?
It is a natural language chatbot, meaning it uses natural language processing to respond in a conversational manner to user input. This allows it to imitate human dialogue and decision-making. ChatGPT is capable of performing or helping with a variety of tasks, including the following:
- Writing articles, poems, and songs
- Performing calculations
- Explaining difficult concepts
- Automating tasks
- Conversing with users
How Many People Use ChatGPT?
As of October 2024, it has more than 200 million weekly active users.
It is free; however, OpenAI, the creator of ChatGPT, offers a subscription, which makes the chatbot available to subscribers during peak times, provides them with faster responses and offers priority access to new features and improvements.
How Does ChatGPT Work?
ChatGPT is a network machine learning model trained using data sets to generate human-like text on various subjects. The chatbot is trained from books, websites and articles to create questions, answers, summaries, translations, calculations, code generation, conversations and more. Its knowledge is limited to information available when it is trained, and it cannot access new information. As a result, some of the information and answers ChatGPT provides users may be outdated or inaccurate. The current version of ChatGPT uses 100 trillion machine learning parameters, but the knowledge cutoff is April 2023.
How Can ChatGPT Impact the Workplace?
Incorporating AI technology can enable employers to run more efficiently by automating manual, error-prone tasks and augmenting how employees work, allowing them to focus on more important tasks and increasing the value they bring. AI technology can impact nearly every facet of an organization, including the following departments:
- Human Resources
- Marketing
- Accounting
- Legal
- Software Engineering
While AI technology can replicate many human-like behaviors and capabilities, it has considerable limitations, including lacking critical thinking, strategic decision-
making and creativity, and can create potential legal and privacy issues.
AI tools like ChatGPT have the potential to change employees’ work and increase organizational efficiency. While this technology is relatively new, savvy employers will closely monitor AI technology’s developments and find ways to incorporate it effectively.
Visit the official ChatGPT website to learn more about its capabilities