Multi-factor authentication (MFA) is a security process that requires users to respond to requests to verify their identities before they can access networks or other online applications. MFA may use knowledge, possession of physical objects, or geographic or network locations to confirm identity. Why is multi-factor authentication needed? As organizations digitize operations and take on […]
Help secure your accounts with these strong password tips
It’s no secret that passwords have substantial monetary value to cybercriminals. The importance of using secure, unique passwords is growing as you entrust increasing amounts of personal information to organizations and businesses that can fall victim to data breaches and password leaks. Although there may be little you can do to prevent a large-scale data […]
Five Steps to Creating a Cyber Security Incident Response Plan
Concern for cybercrime has increased 62% in the past year. Over 41,600 incidents and 2,013 confirmed data breaches were investigated by Verizon and its partners in the past year. The numbers paint a dark picture of the growing threat to businesses of all sizes – concern for cybercrime has increased 62 percent in the past […]
Better Dwelling Coverage
With a standard homeowners insurance policy, your dwelling is insured for a specific amount, which is listed on your policy’s declaration page. Here’s a key difference between standard homeowners and High- Value homeowners. High Value policies often go above and beyond a standard policy by offering extended replacement cost coverage for your dwelling and other […]
Better Contents Coverage
When it comes to your possessions, owners of high-value homes are always concerned that they get enough insurance coverage for homes filled with expensive personal items. Not only that, high-value home policies cover your dwelling for all risks, versus a standard home insurance policy covers your home for a limited amount of risks (“named perils”), […]
Better Liability Coverage
Typically, a high-value homeowner owns increased assets. That means you have more to lose in the event of a lawsuit. The good news is that High-value home insurance policies provide liability coverage, just like a standard policy, and you can choose a coverage limit. But they may also provide for your legal defense costs outside […]
Why You Need Pollution Liability
Delivering a construction project completed, on schedule and within the agreed budget is crucial for everyone involved. Delays due to product availability, staffing issues, or equipment malfunction are challenges all projects must overcome. However, unaddressed environmental risks can ultimately derail a project and significantly impact the schedule and budget. Although project impacts due to environmental […]
General Contractor Subcontractors/Trade Contractors Pollution Liability
General Contractor Liability When a general contractor is hired to complete a project, they oversee the entire project and may hire subcontractors to complete a portion of the work. Although the project owner retains some liability, the work performed, either by the general contractor or its subcontractors, is the responsibility of the general contractor, including […]
Demolition Contractors Need General Liability and Contractor Pollution Liability
Most contractors work in environments where asbestos, lead, mold, bacteria, and blood borne pathogens may exist and General Liability policies specifically exclude these exposures. Look into a Demolition Contractor Liability Insurance Program designed for demolition contractors who have less than a 25% environmental exposure. The Environmental Program includes expanded environmental coverage forms for those who […]
Ransomware Attack: To Give or Not To Give, that is the question.
The definition of ransomware, according to the Cybersecurity & Infrastructure Security Agency, is an ever-evolving form of malware designed to encrypt files on a device, rendering any files and the systems that rely on them unusable. Recent attacks on large businesses, hospitals and government departments would lead one to believe that ransomware attacks are solely […]
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