BUSINESS TIP ––––––––––––––––––––––––––––––––––––––––––––––––––––––– MAPEI Flexcolor™ CQ is a professional-grade, ready-to- use specialty grout for precision commercial and residential i n s t a l l a t i o n s with porcelain, ceramic and natural-stone tiles. MAPEI F l e x c o l o r CQ can be used to grout interior/exterior tile, and its nonporous composition helps to prevent water-based stains by providing water repellency to the grout surface. MAPEI Flexcolor CQ is formulated with the latest innovation in quartz aggregate, which ensures color consistency, ease of cleanability and improved workability. In addition, this grout can be used on sensitive tile surfaces after testing, requires no sealer and cures naturally from evaporation of the low level of water in the formulation. Comparison testing of MAPEI Flexcolor CQ versus traditional Portland-cement grout has verified that MAPEI Flexcolor CQ is 30% more cost-efficient (based on typical rates of installers) and requires 65% less time to install. www. mapei.com do not include losses incurred due to the Internet. A comprehensive cyber insurance policy fills this important gap. You might be wondering why a general liability policy doesn’t cover you for cyber-related injury. A general liability policy covers your legal liability for 3rd party property damage and personal injury. This means someone needs to be identified as responsible for the loss, and some physical dam- age needs to occur. As electronic data is not con- sidered to be “physical property”, it cannot be physically damaged. Cyber insurance offers tailored cov- erage for your business for 1st party and 3rd party losses, breaches to the Privacy Act and loss of profits following the insured event. 4. You may be responsible for data, even if you use a 3rd party cloud provider If you have information stored on a cloud database, you may be sur- prised to know that in many cases, you are still legally responsible for how this information is handled. Your 3rd party vendor has very little protection for you, and at the end of the day it is your responsi- bility to get a problem fixed and pay for the damages. This is why it is important to read the fine print of your cloud hosting contracts. If you do find that your cloud provider is not responsible 38 TileLetter | January 2018