Of all businesses that close down following a disaster, more than 25 percent never open their doors again. While there’s no way to lower the risk of a natural disaster from hurricanes, there are critical measures that can be taken to protect your company’s bottom line from nature’s fury. A disaster plan and adequate [...]
Diminishing Deductibles A diminishing deductible, frequently referred to as a “vanishing” or “disappearing” deductible, is additional coverage that rewards you for being a safe driver. Some auto insurances may decrease your deductible over time if you avoid car accidents and maintain a clean driving record. The Value of a Diminishing Deductible Depending [...]
Know Your Insurance If you’ve ever shopped around for insurance, you’ve likely been asked if you want to bundle your policies—in other words, combine your home or renters, auto and life insurance policies with the same carrier. Although you have the option to shop around individually for each policy, it almost always makes sense [...]
As cyberattacks increase in frequency, consumers may suffer from data breach fatigue, a term used to describe the apathy present as breaches become more commonplace. In 2020 alone, 155.8 million individuals were affected by data exposures, potentially leading consumers to become desensitized to news of a breach and unmotivated to protect themselves. In fact, [...]
It’s no secret that cyber-attacks and data breaches have become increasingly common over the past few years. According to the Identity Theft Resource Center, data breaches increased 40 percent in 2016, with a total of 1,093 reported breaches. This trend continued in 2017, with over 1,120 cases reported in October. Cybercriminals don’t rest, which [...]
Businesses, both large and small, are increasingly reliant on the internet for daily operations, creating attractive and potentially lucrative targets for cybercriminals. With such heavy use of and reliance on computers and the internet by both large and small organizations, protecting these resources has become increasingly important. Learning about cyberattacks and how to prevent them [...]
While preparing your Thanksgiving turkey in a turkey fryer can be a timeless tradition, it’s important to keep cooking safety measures in mind to protect yourself, your guests, and your home. After all, the U.S. Fire Administration states that Thanksgiving is the peak day for home cooking fires. Don’t let your next holiday gathering [...]
The best time to learn about what’s included in a basic homeowners insurance policy is before you have a claim. We’ve gathered the answers to the most common “Am I covered if...” questions about your homeowners insurance policy to help you to minimize any coverage surprises. Typically, coverage does not apply to [...]
Q: If a friend drives my car, is he or she covered by my policy? A: Since most insurance coverage is connected directly to the car, if someone else borrows your car occasionally, he or she should be covered under your policy. Yet, your premium is based on both your vehicle and the “primary” [...]
Don't Let Life Get in the Way of Your Insurance Needs As we age and reach different milestones in our lives, our insurance needs change. In order to ensure adequate coverage, contact your insurance broker if you’re affected by any of the following life events: New homeownership— Purchasing a new home [...]
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