September, 2016

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Things to Look for In Your Data Loss Insurance

data loss insurance

In today’s technology-driven business world, digital data is essential to the proper function of many companies. Though it proves to be very beneficial and essential, it also stands as a liability. The mishandling of data could result in large lawsuits. To protect your company in such instances, data loss insurance can be very beneficial. When selecting your plan, there are a few things that you should look for.

Scope of Coverage

The scope of coverage is the amount of coverage that you receive for a specific benefit. Though a benefit is included in a plan, that does not mean that it provides adequate coverage. It is critical that you understand how much coverage is offered for the benefits you need.

Limits or Caps

Some benefits come with limits or caps on the amount that will be paid out for them. The terms may be for a year or for the lifetime of the policy. Making sure that you understand these limits can help you to properly plan and prepare.

Stipulations and Requirements

Some benefits may come with specific stipulations on what or who is covered, while others may have requirements that must be met before you qualify for the coverage benefit. Not being aware of these things could leave you uncovered in certain situations.

By making sure that you look for and understand these key aspects of a policy can help you to select the best data loss insurance for your company and get the most use out of it. To learn more, speak with your local agent.

A Better Insurance Customer Database Increases Sales

Insurance Email Lists

Keeping your insurance customer database current can be a frustrating job, especially if you have amassed thousands of names and email addresses. You may have built that database through a combination of resources, with information coming not only from your email marketing efforts and the monthly newsletter you put out, but also from links to your social media platforms. Accuracy is vital and the best way to go about ensuring that your insurance email lists have correct addresses is to use the email append service offered by experienced professionals.

Accuracy and Quality Control

The company you choose to handle the updating of your customer database should gather together your contact names, company names and postal addresses. These will then be matched against a master database of some 30 million business records. Finally, every email will undergo verification and the updated database returned to you in the original file format. Handling the entire process in-house ensures excellent quality control.

Reduce the Risk of Losing Customers

Insurance email lists are extremely valuable. They help you increase business, allow you to cross market and ensure that you retain valuable business relationships. Depending on a reliable email append service will help you make the most of your database. Keeping it in good working condition will go a long way toward helping you grow your business and avoid the risk of losing customers.


Find the Right Provider For You

automatic data processing insurance

Considering the amount of sensitive digital information that is received and stored by various companies on a daily basis, proper automatic data processing insurance can be essential. In fact, should a company find itself facing a lawsuit, coverage could mean the difference between staying afloat and closing down. A proper insurance provider will have certain traits that you will want to look for.

Comprehensive Coverage

In order for your coverage to be most effective it is important that you fully understand what all is included and what is not. A proper provider will have agents available to help you to understand what is offered and how it can apply to your business. You should also be mindful of the scope of the coverage offered to ensure that it is sufficient.

Options to Fit Your Needs

Businesses are different, and as such so are their coverage needs. While some insurance providers offer one size fits all solutions, there are others that work with you to establish insurance solutions that fully meet your needs.

Additional Assistance

When you select a policy you not only gain coverage but also a new ally in securing your business. By helping to make sure that your business is compliant and utilizing safe practices, the provider can essential decrease the chance that you will need to file a claim. Therefore, you should seek a provider that offers additional assistance, such as compliance management, to make sure that your company stays on the right track.

By keeping these things in mind you can be sure to select the right automatic data processing insurance provider for you.


Three Qualities to Look for in an Insurance Agency in New Mexico

Insurance Agency New Mexico

Are you looking for an insurance agency in New Mexico that can meet all your needs? Whether you are a contractor, healthcare professional, electrician or manager of a public entity, you have certain risks associated with your industry. You need protection from an insurance policy that will cover all the bases. The following are three qualities to look for in your insurance agency to make certain you’ll receive the best coverage.

  1. Vast Knowledge You may want to look for an insurance agency with a vast knowledge about multiple industries. There are different products that each different client will have, and its important your agent knows what products will be required for your specific business. Technical knowledge about legal aspects of those products is also helpful.
  2. Customer Service Skills When you’re dealing with insurance, the way your agent interacts with you is important. Working with someone who puts your needs ahead of their own is a great way to ensure your policy is the very best for your situation. If your agent can answer the questions you have in a timely manner, its even more impressive.
  3. Honesty Your insurance agency should employ agents who are willing to stay honest no matter the outcome. If you feel you can trust your agent, you have probably found a great agency to work with.

As you can see, there are certain qualities you should look for in an insurance agency in New Mexico in order to ensure superior service. Contact an agent today to learn more about what they can do for you.

Protecting Your Assets With Overnight Rentals Insurance

Overnight rentals insurance in Tennessee

Renting out your home is a great way to make some extra money and get some business into the community by showing off all Tennessee has to offer. However, it can be scary to let complete strangers come into your residence without some sort of guarantee. You need overnight rentals insurance in Tennessee to help with the liability you face.

It’s not only property damage that will cost you money, but legal fees and damages if someone is injured when they’re on your property. Its natural disasters and manmade problems. You lose income when you can’t rent out your home. An insurance policy is your peace of mind for accidental damage that happens when people are around and not paying attention to their surroundings.

Overnight rentals insurance in Tennessee is the peace of mind you need to earn extra income by renting out your home. If you have a pool or another high-hazard feature, you may want to include an umbrella policy that protects you even further. Talk to your insurance agent about your home that has overnight paying guests. Its better for you. Its better for your guests. Its better for your home. Protect your valuable assets by being proactive and taking care of business.

Advantages to Business Owners Policy Coverages

business owners policy coverages

Anyone that owns and operates a business needs to have insurance for a variety of risks and exposures associated with the type of business they run. Purchasing several policies from different agencies can be a more expensive solution and time consuming, which is why agents have suggested to business owners that they consider buying a bundled insurance package, commonly referred to as a business owner package, or BOP.

Business owners policy coverages are designed to package a few of the required policies a business owner needs to protect their business, along with any personal assets that could be threatened should they experience a large claim against their company resulting in a large settlement amount.

When purchasing insurance there are many advantages to having an insurer that understands your market and can help you to obtain the best rates from the most trusted carriers in your area.

Some advantages of a BOP package

BOPs generally include business interruption insurance, property insurance, vehicle coverage, liability insurance, and/or crime insurance. Based on a company’s specific needs they can exercise the option to select which policies are included in their BOP. Typically a business owner will save money by choosing a BOP because the bundle of services often costs less than the total cost of all the individual coverages desired.

Other types of available coverages

Depending on the type of company, number of employees, vehicles in use, and other existing factors, owners should consider purchasing policies that reflect the exposures the business might experience. Most businesses have concerns regarding stoppages due to any number of issues currently affecting companies nationwide, such as cyber theft, weather damage, fire, earthquake, employee theft, vandalism, and a host of other concerns.

There are certain incidents that could ultimately cause your company to close its doors for an extended period of time, (and in some cases, some never reopen again due to the amount of damage incurred). You could also face the threat of damage to your reputation and that could result in the loss of customers and vendors.

Operating a business in this day and age requires some type of risk management planning and strategy that can help prevent your business from experiencing a catastrophic loss of some sort. Securing the proper business owners policy coverages using a BOP package can make the cost of your insurance even more affordable. Speak with an agent today!

Comprehensive Insurance Coverage for Your Employees

Connecticut small business workers compensation insurance

When it comes to insurance, you purchase a policy to protect your assets and valuable items. In a business, there’s no other resource that is more valuable than your employees. But as a small business owner, you also want to ensure that you stay within your budget while finding solutions to potential risks. When you need Connecticut small business workers compensation insurance, work with an agency that understands insurance.

Make sure you get more out of your workers compensation insurance by asking your representative about:

  • Workplace safety
  • Loss control expertise
  • Responsive claims handling and settlement

Connecticut small business workers compensation insurance gives you peace of mind for your business and it’s a benefit you provide your employees, even if the state mandates that you have to have this policy. Every business is different and faces different risks. Your insurance coverage should match the needs of your business and get workers back on the job just as quickly as possible.

Trust an insurance agency with a longstanding reputation in the business community. Maintain a relationship with your agent and get more out of your insurance to find solutions for the risks your employees face when they’re on the job. You’ll retain employees and reduce costs overall when you’re proactive.