Asset Protection | Consolidated

Be Smart about securing your Smart Home!

Smart devices for your home offer a wide range of conveniences, but every one also offers a new opportunity for hackers to gain access to your home network. This 90-second video offers six great tips to help keep your home secure.

Pandemic Coverage Gap? We have an answer!

The tragic COVID-19 outbreak has highlighted the significant coverage gap that traditional insurance has not been able to solve: non-damage business interruption as a result of an epidemic. Most standard property damage policies require business interruption to be from physical damage and also typically exclude communicable diseases. To close this coverage gap, we have partnered…

Why Do I Need Personal Umbrella Liability Insurance?

Here’s an example of an all too common scenario we rarely think about: After a hectic work week, Jim was looking forward to a relaxing weekend with his wife and kids. He was just a few blocks from home when his cellphone rang. He glanced down to see who was calling. That split-second distraction was…

Top Reasons to Secure Cyber Insurance

Many organizations incorrectly label cyber insurance as a luxury purchase rather than a necessity. In fact, a recent survey conducted by insurance experts found that nearly 60% of small and mid-sized companies don’t have any type of cyber insurance. What’s worse, less than 30% of those companies feel inclined to purchase a such a policy…

Civil Unrest and Your Business

As civil unrest has unfolded across the country with some protests turning to violence and destruction, business owners have good reason for concern, especially as many are just beginning to recover from the economic effects of the coronavirus pandemic. There are steps you can take to protect your business in these unpredictable situations. Here are…

Weather or Not – What’s Covered by Your Homeowners’ Policy?

The winter months usually bring more severe weather and much lower temperatures, and that often means an increase in weather-related damages to homes as well. What’s covered by a typical homeowners’ policy, and what isn’t? Frozen Pipes: Water expands when it freezes, and that’s bad news for copper pipes especially. Pipes exposed to low temperatures…

The Scene of the Crime: Does Your Business Need Crime Insurance?

“That couldn’t happen to us.” That mindset can cost businesses a lot of money and heartache because bad things do happen, including crimes against your business committed by your own employees. Every day, trusted employees pilfer or embezzle from their employers, and the costs are staggering: a 2017 study estimated an annual price tag of…

Auto Coverage: Why Raise Your Limits?

You already know that automotive insurance is a must-have, required by law, with specific coverage limits that vary from state to state. The problem is that many drivers stop right there at those bare minimums, which can leave them in a bad place in the event of a serious accident. For example, Maryland drivers must…

Homeowner’s Coverage – The Things that Affect Your Premium

The cost of any insurance coverage is the result of a number of risk factors. In other words, the more likely you are to have a loss in the eyes of an underwriter, the more your coverage will typically cost. With auto coverage, as one example, you can control some of those risk factors by…

A Home Inventory – Why You Need One and How to Do It

We hope that you’ll never lose any of your valued possessions to fire, theft, storm damage or some other catastrophe. But under the heading of “expect the best and prepare for the worst,” you should take the time to create a home inventory just in case. A thorough and well-documented inventory will save you quite…