The Story Of Thanksgiving

For our history buffs and those just looking for a good read about Thanksgiving.

The Story Of Thanksgiving

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Does My Business Need A Cyber Liability Policy?

1. Does your business retain physical or electronic records of employees or other third parties with any of the following?

Social security numbers

Drivers’ license information

Tax identification numbers

Birth dates

Medical/health records

Court records

Police records

Banking information (checking/savings accounts)

Email addresses or home addresses


If you checked any of the above, your organization is in control of “Personally Identifiable Information,” and therefore, required to protect that data subject to State and Federal privacy and data breach notification laws.

2. Does your business have employees? Yes/No


Most data breaches involve an employee mistake. They can lose a mobile device, laptop or paper records, or make costly errors such as opening an unauthorized email containing malware. In addition, they can even intentionally steal data.

3. Does your business have an active website? Yes/No


Material posted electronically, or in written format, may lead to copyright or trademark infringement, or defamation litigation. If the website is transactional, additional exposures include possible hacking or disruption of your business via denial of service attacks.

4. Does your business use third-party vendors (e.g., cloud, IT services)? Yes/No


Businesses in possession of personally identifiable information may be held liable for privacy breaches caused by their vendors or other third parties. As the owner of the data, your business is ultimately responsible for protecting it.

5. Does your business use mobile technology (e.g., smartphones, tablets, laptops)? Yes/No


Loss of mobile devices and the electronic content contained therein is one of the leading causes of data breaches today.

6. Does your business accept credit card payments, other electronic payments or have online bill pay? Yes/No


Over 25% of all data stolen is credit card and other payment information.2 This is a category of data that is highly desired by criminals for resale on the black market.

7. Does your business allow employees to use personal devices to connect to your network? Yes/No


Personal devices may not have the same security software and other connectivity procedures as company-provided devices. As a result, when these personal devices are connected to your network, there may be a higher exposure to virus or malware threats.

8. Does your business train employees on proper email use and other privacy issues? Yes/No


Employee negligence and/or errors are one of the top three contributors of lost/stolen data.

It only takes one of these to warrant the need for

Cyber Liability/Data Breach coverage!

Contact us and get protected against a cyber liability / data breach today!

Premiums are very affordable and underwritten by top rated carriers.

go to or e mail us at

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Leave A Legacy For Your Spouse, Children & Others Dear To Your Heart Or A Cause You Support

If you are someone who would like to leave a legacy you probably don’t know where to start your path to fulfilling that goal. There is a simple solution to helping you achieve leaving that legacy long after your time on earth. The answer is life insurance. A life insurance policy death benefit can go a long way to making it a reality. Life insurance can change peoples lives and those in communities as well.

First type of legacy should take care of your family, family first and foremost. Life Insurance protects your family financially from the unexpected loss of your income. It can pay off the family home, create an education fund, clear up debt, allow your spouse to stay home and raise your children or find someone to help out at home. There are many great reasons to create a legacy for your family’s future.

Perhaps you don’t have children or would like to help out a loved one. You can provide funds for a niece or nephew for school, supplement income buy a home, pay off their mortgage just to name a few reasons you might want to provide a legacy for them. Naming them beneficiaries is a heartfelt gesture and surely one never to be forgotten. Of course a conversation should take place with your sibling to give them a heads up and allow them to factor it into the financial future of the children.

How would you like to help out your favorite charity or cause? Life insurance can easily provide a nice donation to your organization of choice. Typically when you do this you would set up a trust and name the trust beneficiary of your life insurance policy. Make sure it has specific instructions in the trust to give a certain amount of your estate to the charity. Great way to advocate for what you believe in.

Set up a College or High School Scholarship in your name, perhaps at your alma mater. Each school has their own set of rules and guidelines for establishing scholarships. You should inquire before setting one up. A college scholarship usually requires $25,000or more in order to endow one at a university. Typically they issue scholarships in the amount of $1,000 annually. Typically you would need to set up a trust or foundation. An estate attorney can set up a 501(C)(3) charity, foundation or trust.

These are just a few ideas as to the good a legacy can provide. There are a lot more opportunities to provide for others. The great part is that you can fund these with life insurance for a fraction of its actual face value. If you don’t have a large savings account or wish to reduce your actual cost of funding the premiums are usually more cost effective and don’t reduce your estate by the full amount you wish to leave as well.

Contact your insurance broker to discuss the possibilities!

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Requesting An Insurance Quote 101 – Why Do I Need To Disclose Certain Information To My Agent

You phone an agency, you send an e mail, quote request through the agency website or some other social media platform. You, the individual or business owner would like a quote for insurance coverage. Your representative respond to your inquiry and explains that we can help you but first we need to ask a few questions to prepare the quote on your behalf. Simple enough request? Client is on board and understands.

Now starting with the basics you verify the type of insurance, name, address, date of birth, phone number. Pretty easy, most people are eager to divulge the info. Then the next series of questions are the core questions to secure the quote. Your now requested to provide the Social Security number or tax ID number. I get in this day and age ones anxiety to provide this info but it is a significant piece of info needed to quote almost every policy. Yet, most people will not provide the info. So you would like the agent to help you but you won’t provide the info required to quote the coverage. Just one example, but how do you expect to receive a quote if you don’t supply the necessary info?

If your looking for a quote you need to supply certain information. It is impossible to know certain things about your risk and rate it properly if you don’t answer all the questions. This lack on information will prohibit your agent from securing an accurate quote and limit the amount of carriers that will offer a quote to you. In most cases the carriers will not even accept quotes with missing information. Those that do quote still are not firm until the social security, driver license, prior insurance just to name a fee are provided. The quote can still change if it hasn’t been put through full underwriting.

Captive agencies deal with one system, one product so they may give you a quote with less info but there is a chance that quote goes up once full underwriting is complete. As an independent agency we work with multiple carriers and our carriers all require their own set of underwriting questions. These questions allow us to find the best policy at the best available premium with the carriers we represent. Remember when you ask your agent or are searching for a new quote it is very important to be prepared to provide certain information in order for us to secure the best coverage for your individual needs.

Please don’t take this post as a gripe because it is not meant to be at all. Just trying to point out that for an agent to do their best for you, the insured, certain information will be needed and if it is not provided t only limits the opportunities to help find you the best coverage available.

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How To File An Auto Insurance Claim

With this being one of the heaviest travel weeks of the season thought we would revisit the topic of filing an auto insurance claim.

You hope it never happens to you, but it needs to be discussed so you know exactly what to do if misfortune does arrive! If you ever experience a car accident, the first step is to determine if your insurance policy provides coverage for the loss.

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Independent Article On How Life Insurance Can Help With Retirement

How Life Insurance Can Help With Retirement

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Moto Cargo Coverage

Offering Moto Cargo Insurance for those who transport goods.

Motor Truck Cargo insurance (Cargo) provides insurance on the freight or commodity hauled by a For-hire trucker. It covers your liability for cargo that is lost or damaged due to causes such as fire, collision, or striking of a load.

If your load is accidentally dumped on a roadway or waterway (Removal Expenses coverage), our coverage pays for the cost to remove debris or extract pollutants caused by the debris. We’ll also pay for costs related to preventing further loss to damaged cargo (Sue and Labor Coverage), legal expenses in the defense or settlement of Claims’ and even freight charges the customer loses because of not delivering a load (Earned Freight Coverage).

Who needs motor truck cargo insurance?

A growing number of risk managers require truckers to insure their cargo. You can meet that requirement with Progressive’s Motor Truck Cargo Insurance. It pays when you are responsible for damage to or loss of the cargo due to fire, collision or even hitting or running over the cargo that you transport on behalf of a client.

Limits, deductibles, and other details

When you select Motor Truck Cargo insurance, you have to select a limit for your coverage. This limit determines the maximum amount your insurance company will pay for damaged or destroyed cargo. You also need to choose a deductible. A deductible is the amount you agree to pay out of pocket when you have a claim. Choosing a higher deductible is an easy way to lower the price of your insurance, but be sure you choose a deductible that you can afford to pay out of pocket at any time.

Motor Truck Cargo insurance is only available for for-hire trucking risks on policies with one or more of the following body types: dump truck, tractor, most trailers, box trucks, cement mixers, cargo vans, dually pick-ups, flatbeds and car haulers.

Motor Truck Cargo insurance is not available on garbage trucks, limos, hearses, buses, passenger vans or ice cream trucks. The following cargo types are also excluded from coverage (other exclusions may apply):

  • Art, jewelry, money, or paper
  • Contraband, pharmaceuticals, tobacco, alcohol
  • Live animals
  • Property while in custody of any other carrier
  • Property or goods owned by the insured
  • Property not under Bill of Lading
  • Storage greater than 72 hours
  • Shipping containers
  • Explosive or radioactive material


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