Why Your Insurance Agent Is Your Best Friend

bigstock-Expert-Business-Background--51876310Are you frustrated with the lack of good customer service? Are you tired of calling a company and getting someone in a foreign county? When you go to the store and ask for help, do you get a teenager who knows less than you do about your questions?

If you are looking for insurance, it can be much easier than you think. Working with an agent will save you time and money on your insurance.

Why You Should Be Your Agents Best Friend

Agents care about helping you find the best combination of price, coverage, and service.

When you call our agency you get a licensed professional who can actually answer your questions.

We take time to find the best option for you.

You will get more choices of insurance products and companies.

Our employees live and work in your community.

If you have a claim, you have an advocate to help you.

We can make insurance easier to understand.

We offer many online services you may desire, always backed up by a real person.

We know which companies have the best track record when it comes to pleasing their policy holders. We can narrow your options down and help you choose between the best insurance companies in the market. Not all insurance agents are the same! Choosing the right one can make a big difference – in price, service, and value. Our agency has a proven track record, we live here and we understand the needs of our neighbors.

 

 

Is Cyber Liability

Every business is at risk for a cyber breach. Even the White House has experienced a cyber breach. Cyber breaches are now a fact of life, and every state now has mandatory requirements for data breach notification. Statistics show 39% of all cyber incidents affect businesses with fewer than 100 employees. If you store data, including private information on computers, use e-mail, generate revenue online, or use your computer to control production, manufacturing, or inventory, your company is at risk!

“High-profile attacks, including the data on 100 million customers stolen from U.S. retailer Target in 2013, and the emails filched from Sony’s film studios at the end of last year, have made companies fearful of the economic consequences of cyber robbery. Yet they haven’t done much to puncture the secrecy that surrounds the issue.” Said Mark Gilbert in a recent article on Property Casualty 360

Best Practices For Cyber Risk

While cyber liability insurance should be considered by every business, in addition, we also recommend specific procedures and defensive programs to limit or reduce your risk.

  • Make sure you comply with all state and federal laws
  • Have a written cyber breach policy
  • Follow all HIPAA laws
  • Hire an IT Director, or make one person responsible for network security
  • Focus on using long passwords (longer than 13 characters) and change frequently
  • Develop notification procedures
  • Do not open emails or open attachments from email addresses you do not recognize
  • Train employees on the use of laptops and out of office access
  • Invest in the latest anti cyber software
  • Verify that all your vendors comply with laws and statutes

 

Cyber Liability Insurance

Most business large and small now purchase cyber liability insurance which is designed to cover the costs of investigations, notification, and credit monitoring for affected individuals, regulatory compliance, defending lawsuits, and payment of any resulting judgments or settlements. The level of coverage your business needs is based on your individual operations and can vary depending on your range of exposure.