Cyber Insurance

A Guide to Small Business Cyber Liability Insurance Policies

Have you considered getting cyber liability insurance for your business in La Canada Flintridge, California? While cybersecurity risk is often overlooked, it poses a huge threat of loss to most companies. If your business collects, stores, processes, or utilizes personal data from your customers, employees, business partners, or any other parties, you never know when

Insurance

Uncovering the Facts of Professional Liability Insurance

If your job has a high risk of injuries or malpractice, your clients can make legal claims against you, which could be stressful and expensive. Professional liability insurance covers the cost to defend yourself, as well as damages awarded in such a lawsuit. What Type of Policy Should You Look for? Medical Malpractice Insurance This

auto

Your Quick Consumer’s Guide to Auto Insurance in 2021

As an automobile owner, you should carry the right auto insurance coverage; however, finding the right coverage may be difficult, especially if you lack the necessary product knowledge. Auto insurance coverage comes in many different forms. Some policies only cover your car repair/replacement costs, while others cover third-party property damage, particularly if you’re the at-fault

business

18 Things to Keep in Mind When Deciding If Your Business Needs Insurance

A recent industry survey found that 30% of small businesses in the U.S. have filed an insurance claim in the past 12 months. This goes to show that business insurance, for both small and large companies, is vital. When deciding whether to get business insurance, keep these 18 considerations in mind. 1.Your business’s legal obligations

Insurance

A Detailed Guide to Earthquake Insurance in California

Per the U.S. Geological Survey (USGS), Southern California has over 2,000 known faults crisscross the state, producing an average of 100 earthquakes per day. California experiences an average of 10,000 earthquakes every year, resulting in loss to life and billions in insured losses. This means that if you live or own property in La Cañada

business

5 Instances When Reevaluating Your Business Insurance Makes Good Business Sense

A survey by the Federal Emergency Management Agency (FEMA) indicates that at least 40% of small businesses don’t reopen after a catastrophe, with businesses that lack adequate insurance coverage being more likely to face this situation. One of the main causes of underinsurance in the business space is the failure to reevaluate your business insurance

business

Five Important Business Lessons We Have Learned from COVID-19

The ongoing COVID-19 pandemic has disrupted and devastated many businesses across the U.S., with permanent closures now accounting for more than 50% of all pandemic-related business closures, as reported by Yelp. The main reasons for these closures include a significant reduction in demand for products/services, as well as workers’ concerns about safety and health. However,

Cyber Insurance

Why You Need to Be a Cyber Resilient Business in a COVID-19 World

Every year, U.S. businesses face several risks, including natural disasters, theft, vandalism, and fire damage, which cause substantial financial harm. That’s why about 25% of businesses fail within the first year, with at least 40% of them never reopening, as reported by the Federal Emergency Management Agency (FEMA). Cybercrime is another threat to businesses of

homeowners Lifestyle

Basic Homeowners Insurance Terms for First-time Buyers

If you are closing on your first home, then it's probably also your first time shopping for homeowners insurance in La Canada, CA. While securing the right home insurance sounds simple enough, finding the right coverage can become complicated when you don't understand what type of coverage you may need to protect your investment. Here
business Umbrella Insurance

Umbrella Insurance (Excess Liability): What It Is & What It Covers

While over 90% of American homeowners have home insurance, more than half of them are underinsured, as reported by the Insurance Information Institute (III). The same trend exists in other insurance coverages, including auto insurance, health insurance, business insurance, and watercraft insurance. Generally, insurance exclusions are among the most common reasons for underinsurance in the