Cyber liability. Cyber risk. Data privacy. Data breach. Personal information. Hackers. Malware. Denial of Service (DoS). Phishing. Cyber extortion. Ransomware. And so much more. . .. Should a Small Business Purchase Cyber Liability Insurance? Should a business owner should be concerned about these cyber liability exposures. The answer is an unequivocal “YES!”  If your business... Read More >
Automobile insurance price optimization allows insurance companies to price your auto insurance based on your shopping habits, but is that good for consumers? Price Optimization is a technical topic in the auto insurance world that has become very controversial. Understanding price optimization is important, because it will impact the average cost of car insurance for... Read More >
What are the drawbacks involved in cheap business insurance? Like so many insurance topics, this is a seriously large pot with many ingredients. I’ve included some information and feedback received from three commercial insurance friends. These individuals understand the complexities of commercial coverage and deal with them every day. My thanks and a huge shout-out... Read More >
How long can you wait to file a homeowner’s insurance claim? This question is not asked often, but it can have serious financial consequences if you don’t understand the implications of timely claim reporting. Throughout my insurance career I have reminded people that it is extremely important to read their insurance contracts. It’s not nearly... Read More >
Homeowner’s Insurance. These two words likely cause more dread and aggravation than joy. But that shouldn’t be the case. Homeowner insurance premiums keep rising and often seem unfairly high, but considering that you’re receiving protection for your single greatest asset it is still a tremendous deal. Like it or not, you need homeowner’s insurance, so... Read More >