Can Your Business Survive A Cyber Attack?

You’ve probably seen the news headlines such as “Business crippled by cyber-attack” or “Hackers cost company millions”… the facts are that studies have shown that 60% of small businesses who experience a cyber attack go out of business within 6 months of the attack1. Cyber attacks can hit a business hard. Often times there is some sort of ransom payout in order to stop the attack, however, even with no ransom, the fallout of a cyber attack could drain your bank account. Can your company survive a cyber attack? When it comes to [...]

2022-04-26T18:08:39+00:00May 8th, 2022|

Flood Damage VS Water Damage

From flash floods to roof leaks, we’ve all heard the stories of someone who lost their home to water. The most commonly asked question we get in this case is what is flood damage vs water damage? Let’s dive in… no pun intended. Flood Damage Flood damage is defined by the National Flood Insurance Program as “A general and temporary condition of partial or complete inundation of two or more acres of normally dry land area or two or more properties from: Overflow of inland or tidal waters Unusual and rapid accumulation or [...]

2022-04-26T17:37:39+00:00May 1st, 2022|

Recreational Insurance… Do You Need It?

Recreational insurance is coverage for your recreational vehicle that typically includes protection for injury or damage you cause and to the recreational vehicle itself. In addition, it can protect your financial well-being in the event of an accident. But is it required? Since recreational insurance includes several different options, the answer varies. So, let's look at them individually… RV Insurance Many states require that you carry underinsured or uninsured motorists' insurance for motorhomes. In addition, all states require you to have minimum liability coverage when the vehicle is being driven on the road. [...]

2022-04-01T14:39:10+00:00April 24th, 2022|

What Are Ancillary Benefits?

What are ancillary benefits? Ancillary benefits, also called supplemental benefits, are benefits that are not part of your core health insurance. In other words, these benefits aren’t generally part of your main health insurance. They are offered in addition to that coverage. Benefits that fall into the ancillary category typically include: Dental Insurance. This benefit helps to cover the cost of visiting the dentist for basic or preventive services such as teeth cleaning, x-rays, and fillings. Vision Insurance. This benefit helps to cover the cost of vision care including eye exams, eyeglasses, contacts, [...]

2022-04-01T15:29:16+00:00April 10th, 2022|

Recreational Insurance 101

It is that time of year. It is time for those who own boats, RVs, and ATVs to take off the covers and get their warmer weather recreational vehicles out of storage. Campgrounds are opening for the season, lake days are coming, and it’s the perfect weather to explore some trails. So, as you start to get your recreational vehicles ready for the fun, consider the following: Imagine… You are setting up your camper when you suddenly find that some animals have made a home out of it over the winter. Unfortunately, they [...]

2022-04-01T14:43:21+00:00April 10th, 2022|

Insurance Score?

You may know that your history of accidents and violations, insurance claims, and more impact your insurance rates. But did you know that you have an insurance score? Insurance scores, or insurance credit score, is a three-digit number assigned to you that predicts the risk of an accident or insurance claim in the future. Scores above 770 are considered good, 500 – 770 are average, and below 500 are poor. The lower your insurance score, the higher your premium may be. Think of it as a credit score but for insurance. How is [...]

2022-03-04T16:34:34+00:00March 27th, 2022|

Who Needs EPLI?

We’ve all heard horror stories. An employee was let go and then turned around and sued the company claiming wrongful termination. An employee sues their company on the grounds of discrimination or harassment. We have repeatedly heard this in the news and from our business contacts or friends and think that could never happen to us. WRONG! Employment practices claims can happen to organizations of every size, industry, and at any level. They can disrupt businesses, damage reputations, hurt employee morale, and hit a company hard financially… all before they ever see a [...]

2022-03-04T15:31:21+00:00March 27th, 2022|

Other Benefits Of Renters Insurance

Renting is a great option when you aren’t quite ready yet to purchase a home or aren’t sure of where you want to settle down. It also has the added benefit of not having to pay property taxes or repair the property when something breaks. However, when renting, there are still some responsibilities and risks you as the renter may be responsible for. Having renters insurance may help mitigate the costs associated with some of those risks and responsibilities. Renters insurance is coverage for your personal property and personal liability. If a loss [...]

2022-03-04T16:50:24+00:00March 19th, 2022|

Trucking: Insurance For Your Unique Needs

From owner-operators to major fleets, the trucking industry is one that faces many risks. Whether it’s employee injury and illness or damage to your trucks, the right insurance protection is important. For the trucking industry specifically, insurance can quickly become one of the most complicated aspects of business because your coverages and premiums are dependent on so many things. Everything from the age of your drivers and vehicles to the type of materials you are transporting is a factor. Because this can be complex, let us help break down some of [...]

2022-02-23T16:58:56+00:00February 23rd, 2022|

Manufacturing: Insurance For Your Unique Needs

Manufacturing can be a dangerous business. Whether you work with band saws and drill presses or harmful chemicals there are a lot of risks that both your employees and your business face. From on the job injuries to environmental accidents… these risks could end up costing you a small fortune. How do you protect yourself, your employees, and your business from the risks you face daily? You most likely already implement safety procedures and policies to keep everyone safe. You also probably have checks and balances in place to safeguard your business [...]

2022-02-23T16:52:21+00:00February 23rd, 2022|
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