Cyber Liability Coverage for Optimal Business Protection

Recent mass data breaches and hackings have increased the importance of obtaining cyber liability coverage. As the majority of our work operations are now conducted online and nearly all of our data and files are stored electronically, many businesses simply cannot risk the damages a cyber attack leaves behind. We want you and your sensitive data to remain safe, which is why we have gathered some points of guidance emphasizing the importance of cyber liability coverage as well as some safety tips to abide by:

Why Do I Need Cyber Liability Insurance?
Despite common assumption, cyber liability insurance is very affordable, especially once the amount of protection it provides is considered.

Your cyber liability policy will provide you with a great deal of protection you never even knew you needed. For example, after a cyber attack or data breach, this policy will allow you to react and recover with ease. You will have an experienced team by your side guiding you through each step of the process.

If you do not have a risk management team, it is imperative that you obtain this vital form of security. Your cyber liability insurance carrier will act as a risk management team for your organization.
Many business owners assume that they will not be held responsible because they do not host their data, however, you are still liable and at risk.

Cyber Safety Tips:

Have each employee use a more secure browser, such as Firefox or Chrome.

Explain to your employees that risky websites are not the only ones at risk. Many social media sites can easily be hacked.

If a criminal is able to guess your social media passwords, chances are, your email is next. It is important that you host a meeting where you explain to your employees the importance of formulating unique passwords that have no tie to the business, their name, or any other common password combination.

Halloween Fire Safety Tips for a Memorable Holiday

Halloween is almost here! As your little tikes prepare to dress up as goblins, witches, princesses, and every costume possibility in between, it is important that parents do their job to make sure the holiday is safe and memorable for the right reasons. With all the fun and sweets associated with Halloween, far too many neglect vital preventative safety measures. Gathered are some Halloween fire safety tips for your convenience:

We are not suggesting that you pass up the long tradition of creating a Jack-o-Lantern, but rather, we are suggesting switching it up a bit to make it more safe. Rather than illuminating your pumpkin with a real candle, we suggest using battery-operated LED lights. This will ensure that no fire occurs if a Jack-o-Lantern falls onto your lawn and your Jack-o-Lantern will be just as impressive.

In decorating your house for the trick-or-treating extravaganza in just a couple days, it is important that you eliminate any fire hazards. While the dried cornstalks may make a great entryway, if you will be having candles nearby, this can prove to be extremely consequential. We suggest replacing any candles necessary for decorations with battery-operated LED lights or glow sticks.

Likewise, in decorating your home for the holiday, try to eliminate any hazards that may pose any dangers. This includes clearing your pathway so that trick-or-treaters do not have to maneuver around your decorations and pumpkins.

Most importantly, while you may be inclined to ignore suspicious activity, it is vital that you report any potential hazards and dangers to the authorities. The neighborhood kids may be angry with you for ruining their Halloween firework fun, but your roof will be thankful.

Safeguarding Your Home Business With The Right Policies

Whether you are working from home temporarily or just started your business and are working from home until you expand, it is important that you obtain this vital insurance coverage. Many home business owners wrongly assume that their business operations will receive protection through their homeowners’ insurance policy, however, that is not the case. When you own a home-based business, you must ensure that it is adequately protected. Allow these informational points guide you in safeguarding your home business:

If you have never purchased business insurance before, give us a call and allow our experienced agents to guide you through the process. Depending on the particular business operations of your home business, you may receive adequate protection through an endorsement to your homeowners’ insurance policy. More extensive business operations typically require a separate home business insurance policy.

If your business operations call for an exclusive home business insurance policy, you can obtain this insurance policy for an affordable price. This will provide you with general liability coverage and is an important policy to have if you have any clients visiting your home business. This policy will also provide you with lost income coverage if you are forced to shut down office temporarily due to a covered peril.

You also have the option to obtain a Business Owners Policy (BOP). A business owner’s policy will provide you with optimal coverage for your home business. These policies are typically exclusive for home businesses that have extensive operations and require extra liability protection and business income insurance.