Commercial Auto Insurance: It’s Hard To Find Coverage

Commercial auto is widely regarded as one of the most challenging insurance markets in the United States. Many years of sustained losses, inadequate rates and unhealthy combined ratios (in the region of 105% and over) have taken their toll on the market – but the winds of profitability are slowly changing. Loss ratios in the…

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IN: Commercial Auto Insurance: It’s Hard To Find Coverage

Dear Valued Customer, This issue of “———————” is focused on the subject of Commercial Auto because you need to be made aware of a lot of recent changes. Commercial Auto has always been a risky business – and it’s getting more difficult to insure. Due to the rising number of accidents and claims, insurance carriers…

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Spotlight on Flood insurance

Overview Flooding is the most common and costly natural disaster in the United States, causing billions in economic losses each year. According to the National Flood Insurance Program (NFIP), 90 percent of all natural disasters in the United States involve flooding. There is no coverage for flooding in standard homeowners or renters policies or in…

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Before, During & After A Flood

Flooding is a temporary overflow of water onto land that is normally dry. Floods are the most common natural disaster in the United States. Failing to evacuate flooded areas or entering flood waters can lead to injury or death. Floods may: Result from rain, snow, coastal storms, storm surges and overflows of dams and other water…

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Who’s required to have flood insurance?

Whether you live inside or outside of the high-risk flood area, if you own property you should consider purchasing flood insurance for the protection and peace of mind it brings. However, many property owners, particularly those in high-risk flood areas, may be required to have flood insurance. Do you have a mortgage? Homes and businesses in high-risk flood areas with…

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IN: Your Homeowners Insurance Does Not Cover A Flood

Dear Valued Customer, Whether you live inside or outside of the high-risk flood area, if you own property you should consider purchasing flood insurance for the protection and peace of mind it brings. However, many property owners, particularly those in high-risk flood areas, may be required to have flood insurance. In this issue of “———————–“ we focus on Flood…

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Phishing and ransomware can be your worst nightmares, how can you prevent these evolving threats?

Hacker with laptop initiating cyber attack

Toward resilience against phishing and ransomware attacks Over the past years, phishing and ransomware have become the most rampant form of cybercrime and an exponentially increasing threat to organizations. The vast majority of organizations have been targeted by phishing or ransomware. Ransomware, a form of malware designed for the sole purpose of extorting money from…

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The Evolving Threat of Ransomware

The meteoric rise of ransomware has garnered substantial attention over the past decade and for good reason: the malicious software attacks can cripple their intended targets. Now, recent data is shedding light on an evolving threat – while overall ransomware infections have decreased, enterprise infections have grown by nearly 12 percent in 2018 and account…

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15 Effective Cybersecurity Strategies For Your Remote Workforce

When you’re operating a remote team, one question that often comes up is how to keep your business information safe. Employees don’t always have the same security measures in place on their home Wi-Fi networks as you do in the office, so there may be an increased risk of a data breach.You need to help…

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Recovering from Identity Theft

Is someone using your personal information to open accounts, file taxes, or make purchases? Visit IdentityTheft.gov, the federal government’s one-stop resource to help you report and recover from identity theft. Data Breach? Lost Info? Did you get a notice that says a company lost your personal information in a data breach? Did you lose your…

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