It’s no question that hackers nowadays have gotten exceedingly clever – almost unfairly so. It’s important to protect your business from online scams, and one of the biggest threats is a scam called phishing – and no, it doesn’t have anything to do with fish. The name is disappointingly misleading. Anyways, phishing is when a hacker or scammer impersonates a trusted institution, like a bank, to trick targets into giving away personal information. But there’s a whole other level of phishing. And that’s called spear phishing (again, not quite sure where they got the name.) Spear phishing is even more nefarious than regular phishing because it’s harder to detect. We’ll go over what spear phishing is and how to avoid it.
Insurance
Whether you have just a few assets or own multiple homes, automobiles, and businesses, insurance coverage is vital. Protecting your assets, managing risks, and making sure you have the best coverage for the best price is part of our daily goal here at InsuranceHub. We enjoy getting to know each of our clients and helping them identify the insurance coverages that are right for them. We can’t see the future and we don’t know when disaster will strike, so it’s essential to be prepared for anything.
We understand that you need a policy that’s crafted to protect you from your specific risks, not just a one-size-fits-all plan. You’re one of a kind, so your insurance policy should be, too! Our goal is to not only make insurance easy but also to become a trusted advisor and partner to each and every client. We can help you pinpoint all of the risks that you face, and we can help you get the coverage you need to be protected from them.
Do you have a family fire escape plan at home?
According to the Red Cross, it can take as little as two minutes for a home to be engulfed in flames. It’s terrifying to think of how swift and devastating a house fire can be – one reason why you need to make sure you have enough home insurance. When a fire hits, the most important thing is the safety of you and your family. That’s why you and your loved ones need to be prepared – when a fire starts, time is precious. Everyone needs to know what to do when the smoke detector goes off or they smell smoke. For everyone to get out of the house and to safety as quickly as possible, you need to have a family fire escape plan. We’ve got a few tips to help you put together your fire escape plan and keep your family safe.
6 different online scams that your business needs to be aware of
Nowadays, many businesses would feel powerless without their computers. We depend on our technology to help us run our lives, and businesses are no exception – which is why it’s important to learn how to manage your IT risk. Technology is great, but it’s also a weak spot for businesses because computers can be targeted by hackers. The reality is that even though our machines seem nice and secure, locked away in our office building or store, they’re actually very susceptible to attack. In the hands of a hacker, computers are like putty. And, to be honest, so are humans. We’re not as smart as we like to think we are sometimes. And that’s why it’s so important to go over a few different online scams that could hurt your business, which is exactly what we’re going to do in this article.
Do I need to get rental car insurance from the agency?
Renting a car is stressful enough. When you walk up to the counter to get a car, possibly after a long day of traveling or being stranded waiting for a tow truck, you’re already at wit’s end. Then you get bombarded with the questions about insurance. The rental car agency person looks at you expectantly as you blink at them and wait for your brain to play catch up.
There are a lot of different options the smiling person behind the counter offers you, and they all sound like coverages that you need for a reasonable cost. But before you answer yes, it’s important that you take a minute to consider your own auto insurance. The coverage that you have on your auto insurance can greatly impact the answer you give them, as can your home insurance and even health insurance.
How to avoid employment practices liability when you’re hiring
Hiring can be an ordeal. First, you have to figure out what exactly you need. Then you have to come up with the job description and application. Then there’s interviewing all of the eager applicants who want to wow you. Then there’s the selection process, and on-boarding, and training…Eeesh. The last thing you need to come from all of that hard work is someone bringing a lawsuit against your business for discrimination. Hiring is one of the most eggshell-walking times for employers because of the risk of unintentional discrimination that could result in hefty employment practices lawsuits. We’ve put together some tips for you to make sure that you’re going by the book when you’re hiring so you can avoid employment practices risks.
The fundamentals of insuring your dream vacation home
If you have a second home of some sort, whether it’s a house or vacation home, you might be wondering how to go about insuring it. You know the drill with insuring a primary residence, but what about a home that you’re not planning on living at full-time? Well, you’re right to wonder – insuring a second home will look different than insuring your first and primary home. We’ll go over the coverages you might need for your vacation home.
The oxymoron that is inland marine insurance and why it’s important
Question: What’s inland marine insurance?
Follow-up question: Does it have anything to do with boats, by chance?
Welcome to the world of confusing insurance terminology! Inland marine insurance is a way for businesses to fill gaps that might be in their coverage. Coverage gaps are not good for businesses – you wouldn’t carry an umbrella with holes in it into a rainstorm, would you? Nope. So, the point is that you need to make sure that you don’t have any gaps in your business insurance. Some aspects of your business might not be covered elsewhere in your insurance plan, and that’s where inland marine can help. We’ll explain how.
Protect your identity: Helpful tips to prevent identity theft
You probably know someone who’s been through the terrible, frightening experience of identity theft. There are plenty of ways that identity thieves get a hold of people’s personal information, and they’re extremely creative and adept at doing so. Lots of people don’t even realize that their identity has been stolen until they receive a bad credit report or notice charges that they didn’t make.
Identity thieves can get your personal information from Dumpster diving, scamming you online with emails or pop-ups (called phishing), changing the address that your credit card bills are sent to, impersonating authorized personnel to get your information from financial institutions, or physically stealing it by snagging your purse or wallet. They take your information for a variety of reasons, including opening bank accounts, getting a loan, stealing your money from an ATM, or getting documents like driver’s licenses.
Identity theft can happen to anyone at any time, so it’s important to be prepared and do what you can to prevent your information from being compromised. We’ve got some tips that will help you protect your identity—and spare you the headache that comes along with sorting out a stolen identity.
Does my business need bailee insurance?
As a business owner, you know that you need to make sure you’re protected from all potential risks. Your building is covered by property insurance, your employees are covered by workers’ compensation insurance, your clients are covered by general liability. But what about the things that don’t strictly belong to you? If your business stores, cleans, repairs, services, or otherwise holds on to your clients’ property, you’re instantly put at risk. If you do computer repairs, for example, chances are that your client wouldn’t be too happy if your sprinklers went berserk and fried their laptop, would they?
To protect your business from the risk that comes along with keeping your clients’ possessions in your care, custody, and control (basically a fancy way of saying they’re trusting you to keep their belongings safe) you might want to consider bailee insurance.
5 tips to keep your home insurance claim from being denied
Filing a home insurance claim can be daunting. The reason that you have home insurance in the first place is to help you replace things that have been destroyed by factors outside of your control. It protects you from losses. Getting the insurance and paying the premiums is easy. Filing a home insurance claim and getting it approved can sometimes feel like another story.
When you’re filing a home insurance claim, it’s important that you keep a few things in mind to make sure that you get the payments that you need to rebuild what you’ve lost. Just because you fill out the paperwork doesn’t mean that the money will magically appear in your bank account. The claim could get denied, which is something that you don’t want to happen. If your claim is denied, you’re kind of back where you started.
To make sure that your claim isn’t denied, make sure that you keep the following tips in mind when you’re working through the filing process.