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Friday, October 13, 2017 7:48 pm

Equifax Breach Creates the Need For Identity Theft Insurance

laptop-2450155_640_copyOver 143 million Americans had their personal information exposed and stolen because of the recent Equifax breach. The credit reporting industry exists to take raw numbers, run them through mysterious algorithms, and then spit out credit report cards and scores.  These scores become final, generally unappeasable judgments that dictate the interest rates that consumers pay on mortgages, car loans, and anything else that requires borrowing.1 Therefore, it is imperative to protect your personal identity and credit.    

There are different kinds of identity coverage that you may want to consider.  Your personal insurance may or may not cover some level of identity theft.  Call our office to get a free personal insurance review.  We can offer identity theft coverage.

Identify Theft Insurance - Identity theft insurance provides reimbursement to crime victims for the cost of restoring their identity and repairing credit reports.  This type of insurance will help you with certain kinds of expenses to aid you in restoring your credit.

Here are a few ways to reduce your chances of having your identity stolen.

· Keep your computer software up-to-date.

· Use strong passwords and change them regularly.

· Use the latest security software.

· Do not over-share your activity on social media.

· Check your credit report annually.

· Always take credit card or ATM receipts.

· Never use your computer on an open network.

· Reduce your junk email by opting out of offers you do not need.

· Never open an email from a source you do not know.

· Never give your personal information to a phone solicitor.

Equifax set up www.equifaxsecurity2017.com, a website to help people determine whether they had been affected by the breach.

1 NYTimes; Ron Lieber- September 2017

Wednesday, October 11, 2017 10:12 am

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Friday, September 29, 2017 10:13 am

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Wednesday, September 27, 2017 10:11 am

September is National Preparedness Month


Our thoughts and prayers continue to be with the people of Texas and Florida. Hurricane Harvey caused over 75 billion dollars of damage. While this is fresh on our minds, let’s get prepared for the unexpected.  This could be a flood,  hurricane,  earthquake, wild fire, or any other event that causes damage to our homes.  Remember, your homeowners insurance may or may not cover the next disaster, so it is a good idea to have our team complete a personal insurance review.  Here are some things you can do right now.  Ready.gov has provided many good resources.

Basic Preparedness Tips

· Know where to go. If you are ordered to evacuate, know the local evacuation route to take and have a plan for where you can stay. Contact your local emergency management agency for more information.

· Put together a “go-bag” or disaster supply kit should you need to evacuate, including a flashlight,      batteries, cash, first aid supplies, medications, and copies of your critical information.

· Make a family emergency communication plan and review it regularly with members.

· Many communities have text or email alerting systems for emergency notifications. To find out what alerts are available in your area, search the Internet with your town, city, or county name and the word “alerts.”

· If there is a chance of flash flooding, move immediately to higher ground.

· If floodwaters rise around your car but the water is not moving, abandon the car and move to higher ground. Do not leave the car and enter moving water.

· Avoid camping or parking along streams, rivers, and creeks during heavy rainfall. These areas can flood quickly and with little warning.

· Disconnect electrical appliances and do not touch electrical equipment if you are wet or standing in      water. You could be electrocuted.

· If instructed, turn off your gas and electricity at the main switch or valve. This helps prevent fires and   explosions.

More resources for you:   www.ready.gov  


Wednesday, September 13, 2017 10:09 am

How to Keep Your Small Business Open After a Loss

As a small business owner, you wear many hats, including owner, manager, human resource manager, sales manager and even window washer.  Because there is so much to do, you may not spend time thinking about your business insurance, but you should.  Recent studies by the Insurance Information Institute found that over 50% of small businesses never reopen after a severe loss.  We are ready to help you by providing the best possible combination of coverage, price, and service.  We will shop the market and provide you with the coverage you need. Let us become your insurance department.

What Kind of Coverage Should Your Small Business Have?

· Commercial General Liability Insurance covers claims from accidents, injuries, or negligence when the business is at fault.  Small businesses can face a wide array of damage charges like personal injury, property damage, libel, and slander.

· Commercial Auto Insurance covers your business owned vehicles.  Operating costs of vehicles have increased over the past few years including general maintenance, repairs, and fuel.

· Property Insurance covers loss of equipment, personal property, and buildings.

· Product Liability Insurance covers legal fees for litigation involving a faulty product.  It also covers any personal or property damage charges caused by a defective product.               

· Cyber Liability Insurance covers the risk posed by conducting business over the Internet, over other networks, or using electronic storage technology.  It covers third party losses from hackers, theft, and loss of information  including sensitive client or individual personal information.

· Directors and Officers Liability covers costs, damages, and defense protection for directors and officers of a company for lawsuits and judgments arising out of poor management decisions, employee dismissals, shareholder grievances, and other such acts committed in good faith.

· Employment Liability Insurance provides protection for an employer against claims made by employees, former employees, or potential employees.  It can cover discrimination (age, sex, race, disability, etc.), wrongful termination of employment, sexual harassment, and other employment related allegations.

· Professional Liability Insurance is designed to cover third party claims and damages arising out of providing professional advice.  Many firms create legal obligations arising out of a professional's errors, negligent acts, or omissions during the course of providing services to clients.

· Workers' compensation insurance is usually required by law for small businesses with employees.  This insurance provides benefits for employees who are injured or die from job-related causes.