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Liability Insurance

Trampolines: Liabilities and Safety Precautions

Getting the kids outside and away from their electronic devices is a worthy goal for any parent. And after this past year, with most children doing their learning at home, the temptation to chase them outdoors has probably never been greater. Maybe that’s why sales of backyard trampolines continue to grow. If you have a…

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More Hackers to Worry About: Ransomware-as-a-Service

The huge spike in ransomware attacks on businesses over the last year has multiple causes, many rooted in the pandemic. Plenty of businesses scrambled to set up a work-from-home (WFH) model in a big hurry, leaving a trail of security flaws. There have been ample social-engineering opportunities for hackers also, ranging from phony texts about…

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Deepfakes: What They Are and Why Your Business is at Risk

If you’ve recently scrolled through your Facebook feed and been startled to see a famous movie scene, but with your friend’s face in place of the actor, you have an idea of what deepfake technology can do. A deepfake is essentially a sophisticated forgery of an image, video or audio clip, done using artificial intelligence…

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The Hard Market: What Can You Do?

In a previous post we covered the factors leading to the current ‘hard market’ in the insurance industry (read it here). Essentially, this year has seen an overall tightening of the market, with premiums going up and insurers less willing to take on new risks. The factors resulting in the current state of affairs are…

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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…

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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…

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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…

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Credential Stuffing: The Path of Least Resistance for Hackers

With all the high-profile hacking and ransomware incidents in the news lately, from Baltimore City’s ransomware woes to Atlanta losing eight years’ worth of body-camera video, you’re probably wondering what steps you can take to insulate your company and yourself. The answer begins with understanding how many hackers operate. You might picture a hacker hunched…

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Need a Certificate of Insurance?

It’s happened to every business … you’re working after hours, and you really need a certificate of insurance to wrap up the paperwork and bring in a new client. But your insurance broker is closed. Or an employee needs a new Auto ID card on a weekend, and all you can do is add it…

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Renovation and Risk: Insuring Your Improved Home

Planning a home renovation project is exciting and sometimes stressful, with so many choices to be made: cabinet styles and finishes, flooring, countertops, hardware, paint … the list goes on. Many people miss one very important step, however … your homeowner’s coverage may need a little improvement as well. First, begin with the end in…

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