Resources

Congratulations! You signed the contract to purchase your new home. If you’re like most buyers you have a mortgage. Your lender will require that your home be insured. They may require that the payment be escrowed so there’s no chance that a payment is overlooked.

Increasingly you hear stories of cyber breaches that have compromised companies and exposed millions of supposedly secure records. It is no surprise that American businesses large and small are worried. Cyber threats are a top concern. Travelers Business Risk Index highlights who is concerned and what they worry about most.

Many consumers may know that the largest data breach in history just occurred when a Russian crime organization was able to breach around 420,000 websites, and they were able to take over 1.2 billion usernames and passwords.  During the breach the organization didn’t just target large companies but went after every website their victims visited, so what does that mean, it means they went after small to middle sized businesses. 

Increased transactions during one of your busiest and highest revenue potential seasons of the year can also mean increased cyber risk.  In general, cybercrimes are already on the rise.  However, during the holiday season, government officials put out special warnings indicating the increase of this risk.

A lot of clients of ours have been asking and requesting pet insurance. We have partnered with ASPCA and their affiliates to provide a health care plan for your special loved one. If you are interested please feel free to click this link to review some options that you may have for your household pet. 

As cyber risks continue to evolve through new technologies, it is essential for your business or organization to be protected before an incident occurs. Education is key as employees are some of the most influential gatekeepers of cybersecurity. A breach can mean lost customer information, disruption to operations, reputational harm, financial loss, and possibly even litigation. We want to raise your awareness of this growing risk so your business or organization can be better prepared in the event of a cyber attack.

According to a major carrier of data breach protection, The Hartford, Data Brach is defined as a loss, theft, or accidental release or accidental publication of Personally Identifiable Information (PII) including:
•Social Security Number
•Bank Account Number
•Credit or Debit Card Numbers
•Driver's License Number
•Patient History and Medications

All businesses and organizations, even those with the most sophisticated systems, are susceptible to a cyber attack or data breach. No system is fool-proof to the human element of a staff member unwittingly opening an email attachment containing a virus, theft of paper files or losing a laptop containing private customer information. Events like these happen every day and can have a significant impact on your customers, bottom line or reputation. We want to raise your awareness of this growing risk so your business or organization can be better prepared in the event of a cyber attack.

Many clients that we work with come to us with questions of uncertainty with their condo insurance. Often time new clients are vastly underinsured or have not been coached in what actually a condo policy covers. It is a bit tricky when purchasing a new home and deriving proper coverage. When a consumer buys a new home their lender require their insurance to cover their loan amount so the bank is protected against a total loss because it is a shared asset. Therefore, lenders often require enough insurance to cover the loan. But, with condos there are often times a master policy that the Home Owner's Association purchases that covers the exterior of the property. The personal condo policy is responsible for insuring essentially the drywall in. This list of information is important to consider when determining what that valuation is.

On September 14, 2013, President Obama issued a major disaster declaration for the State of Colorado triggering the release of Federal funds to help individuals and communities recover from the Severe Storms, Flooding, Landslides, and Mudslides that occurred from September 11, 2013, and continuing. Details of the disaster declaration and assistance programs are as follows: