Disability Insurance protects you by replacing your income in the event of an accident. Some employers offer a form of short-term disability insurance but it may not be enough. What happens if they don’t provide that type of coverage or if it is not enough to replace your lost income? How will you look after […]
Commercial Property Insurance Covers More Than THINGS
Who needs Commercial Property Insurance? If you own or lease a building, then you should have Commercial Property Insurance. If your company has tools or equipment, then you should have Commercial Property Insurance. Is there a computer in your office? A desk? Then, guess what? You should have Commercial Property Insurance. Facts You Need to […]
Why Is Cyber Liability Insurance So Important?
Cyber Liability Insurance is a critical requirement for all companies so we are determined to provide you with the information you need to make the right risk protection decision. It seems like every day we hear about a new data breach. Computer hackers have hit major retailers, government databases, and even one of the top […]
Negligence vs Criminal Activity – The Cost of Losing Data
We’ve done our best to inform you of the dangers of not having cyber liability insurance. You’ve seen the numbers and read the reports we’ve passed along. And, just today, we received the newest results of a 2017 study that tracks the latest costs of cybercrime, which is now up to $7.35 million a year. […]
Earthquakes: Do I Need Additional Insurance For My Home?
It doesn’t take a strong earthquake to cause damage to your home or car. Even mild tremors can cause cracks in your foundation or damage to your personal belongings. Think again, if you believe you are covered, because typically, neither homeowners insurance or renters insurance covers damage caused by earthquakes. Instead, you need to purchase additional […]
Is Workers’ Comp Required for Construction Contractors in California?
Construction and contracting professionals know that despite your best safety efforts, on-the-job accidents happen. If an employee gets hurt operating equipment or is exposed to hazardous chemicals, your construction company can be held responsible. Workers’ Compensation Insurance protects construction and contracting business owners from medical expenses and lost wages of employees hurt on the job. […]
How Much Could A Data Breach Cost Your Company?
During the recent Equifax data breach, hackers accessed the financial information of almost 150 million people. The breach-related costs are currently at $439 million, projected to climb to as much as $600 million. As far as cyber hacking goes, this one may go down in the books as the largest and most costly in the history of […]
Does Homeowners Insurance Cover Your Home-based Business?
Almost 40 million people work from home, and very few of them have the proper insurance coverage for their home-based business. Many of them just assume that their Homeowner’s Insurance will cover their equipment or their office since it’s part of their house, but the truth is that it probably does NOT. So, consider what […]
A Data Breach Could Cost Your Small Business $117K
Whether you operate a non-profit, work in a service industry, sell products online, or, operate a retail brick-and-mortar store, your online ‘customer facing’ communication is conducted via your website. Not only that, you probably operate social media accounts and send emails to your customers and prospects – more than likely also connected to your website. […]
EPLI & Invasion of Privacy Claims
Business owners worried about discrimination or sexual harassment lawsuits will often purchase Employment Practices Liability Insurance (EPLI). However, many businesses fail to check to see if their EPLI policy covers an invasion of privacy. What do we mean by ‘invasion of privacy’? In California, a woman filed a lawsuit over the monitoring application her employer installed […]
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