1. Always keep the Emergency number as your screensaver on your mobile. In case of any accident and you are unconscious, the people nearby will know whom to call without even need of unlocking your mobile

2. Always check the validity of your driver license number online before hiring. Incase of an accident, if the license is found invalid, the insurance claim will be rejected and the entire liability will fall on the owner of the vehicle.

3. You should regularly update your insurance policies to ensure that they accurately reflect your current assets and liabilities. Outdated policies may lead to underinsurance or gaps in coverage.

4. You can purchase an umbrella insurance coverage which provides additional liability protection beyond existing limits and coverages provided by your standard insurance policies, offering peace of mind in case of lawsuits or large claims.

5. Always prefer reputable and licensed contractors for home renovation projects to ensure the work is done with safety, which also minimizes the risk of accidents and property damage.

6. Must implement a cybersecurity training program for employees to teach them about potential threats such as phishing scams, malware, and social engineering tactics, reducing the risk of data breaches and cyber incidents.

7. Try to stay informed about changes in insurance industry trends, rules and regulations to ensure that you have the most up-to-date coverage options and are taking advantage of any available discounts or incentives.

8. In an effort to prevent burglaries and vandalism, consider installing a home security system with video cameras. This could result in a reduction in your house insurance costs. Secure your doors and windows by making sure that all exterior doors have deadbolts, and consider window locks for ground-floor windows. 

9. Must conduct regular maintenance checks of your property and vehicle to identify potential risks or hazards, such as faulty electrical wiring, checking tyre pressure, fluid levels, and brakes and address them promptly to prevent any future accident and insurance claim.

10. Implement fire safety measures in your home, such as having fire extinguishers readily available, practicing fire drills with your family, and ensuring all household members know how to safely evacuate in case of a fire. Install smoke detectors on every floor of your house, and test them monthly. Consider adding carbon monoxide detectors for extra protection.

11. Inventory your valuables like take pictures or videos of your belongings for insurance claim purposes. Update the inventory regularly.

12. Keep important documents, such as insurance policies, wills, and medical directives, in a secure digital format using encrypted cloud storage to ensure they are easily accessible from anywhere in case of emergencies.

13. Try to regularly back up your important data to an external source like a cloud storage service. This protects your information in case of a cyberattack or hardware failure.

14. Use a password manager with a strong master password. A password manager helps you create and store complex, unique passwords for all your accounts. Protect the password manager itself with a very strong master password.

15. Enabling biometric authentication as fingerprint or facial recognition scanners on your devices can add another layer of security beyond passwords.

16. Beware of social engineering attacks and do not click on suspicious links or attachments in emails, even if they appear to be from a reliable source. Even if unexpected calls, emails, or messages seem to be from reliable sources, proceed with caution. Beware of such phishing attacks.

17. Shop around for insurance quotes and do not automatically renew your policies without comparing quotes from different providers. You might be able to save money on the same coverage.

18. You must shred sensitive documents. Don’t throw away bank statements, credit card bills, or other documents with personal information. Shred them properly before disposal.

19. Monitor your credit report regularly by checking your credit report for any suspicious activity that could indicate identity theft. You can get a free credit report annually from each of the four major credit bureaus (CRIF, Equifax, Experian and CIBIL).

20. Enable transaction alerts by setting up alerts on your bank accounts and credit cards to notify you of any suspicious activity.

21. Separate business and personal finances;  if you run a business, keep your business finances separate from your personal finances to avoid liability issues.

22. You should enable multi-factor authentication for financial accounts. Multi-factor authentication (MFA) requires an additional verification step beyond your password, like a code sent to your phone, for added security.

23. Consider fraud protection services and explore identity theft protection or credit monitoring services to help detect and address fraudulent activity.

24. Freeze your credit if you suspect identity theft. A credit freeze can prevent unauthorized access to your credit report and the opening of new accounts in your name. 

25. Maintain a healthy lifestyle by exercising regularly, eating a balanced diet, and avoiding harmful habits such as smoking, which can reduce the likelihood of medical issues and associated insurance claims.

26. Diversify your investment portfolio to spread risk across different asset classes, reducing the impact of losses in any single investment.

27. Take a self-defense course and empower yourself by learning basic self-defense techniques to increase your confidence and ability to handle threatening situations.

28. Install a dashcam in your vehicle to provide evidence in case of accidents or disputes, helping expedite insurance claims and potentially lowering premiums.

29. Keep your operating system, antivirus software and other applications updated with least security patches.

30. Avoid using public Wi-Fi for sensitive activities like online banking. If you must, use a Virtual Private Network (VPN) to encrypt your data.

31. Enable guest mode on devices like set up guest mode on shared devices like computers or tablets to restrict access to sensitive information.

32. Utilize travel insurance when planning trips to protect against unexpected events such as trip cancellations, medical emergencies, or lost luggage, providing peace of mind while traveling.

33. You must register with your embassy when traveling abroad as this allows your embassy to contact you in case of an emergency. 

34. Make copies of important travel documents like passport, ID, and travel insurance documents. 

35. Prepare an emergency kit with essentials like non-perishable food, water, first-aid supplies, and a battery-powered radio in case of a natural disaster or power outage.

36. Use contracts and agreements to transfer certain risks to other parties, such as subcontractors or insurance providers, through indemnification clauses or insurance requirements.

37. Consider earthquake or flood insurance if you live in disaster prone areas. Depending on your location, explore additional insurance options for specific risks.

38. Learn basic survival skills and educate yourself and your family members about basic first aid techniques to provide immediate assistance in case of emergencies, potentially reducing the severity of injuries and associated medical costs.

39. Health and wellness programs should be offered to employees to promote physical and mental well-being, reduce absenteeism, and enhance productivity.

40. You should purchase pet insurance to cover veterinary expenses in case your pet becomes ill or injured, helping to alleviate financial burden during times of medical emergencies.

41. You can use wearable devices which monitor your health parameters like physical activity, sleep patterns and heart rate. This helps in early detection of health issues and reduces risks.

42. You should install weather alert apps that give real-time updates and warnings about extreme weather conditions like floods, cyclones, and heavy rains, which are common in few parts of India.

43. You can subscribe to roadside assistance services that provide emergency support for vehicle breakdowns, flat tires, or accidents. There are various services that come with features like towing, on-spot repairs, and emergency fuel delivery.

44. Try to join local community alert groups on apps like WhatsApp or Telegram, where members share real information about local security issues, health warnings, and other community-related risks.

45. You can also use health apps to maintain a digital record of your medical history, including doctor visits, prescriptions, and diagnostic reports. This can be easily shared with healthcare providers in case of emergencies. You can use apps like Practo to schedule regular health check-ups and screenings to catch potential health issues early

46. People must use designated pedestrian crossings and follow traffic signals to reduce the risk of road accidents. Moreover, educate children about road safety rules.

47. Use mobile apps like “112 India” which provide quick access to emergency services and allow you to send SOS alerts with your location to emergency contacts..

48. Use smart home assistants like Alexa or Google Home to set up voice-activated commands for emergencies, such as calling a specific contact or alerting neighbors.

49. Try to use air quality monitors to check indoor and outdoor air pollution levels and take necessary precautions, like using air purifiers or masks, during high pollution periods. This helps to prevent any respiratory disease.

50. You should participate in stress management programs or apps that offer meditation, yoga, and relaxation techniques that help to maintain mental health.

51. Also install renewable energy sources like solar panels and battery backups to ensure continuous power supply during outages.