Running A Business Without Cyber Liability Coverage...

Every day small, medium and large businesses are victims of cyber crimes committed by hackers. There is a cyber liability exposure for every type of business operation—from “Mom & Pop” stores to multibillion-dollar corporations.
Many insureds think their comprehensive general liability policies will cover these security breaches, but they are wrong. With gaps created by exclusions and endorsements on the general liability policy, special cyber liability insurance coverage has become a necessity.

Some examples of provided protection on the comprehensive cyber form include:

• Breach of Duty
• Security Costs
• Acts Performed By Third Parties (Contractors, Vendors, etc.)
• Privacy Claims Caused By Employees
• Media Liability (Copyright / Trademark Infringement & Personal Injury)

Security costs are one of the major benefits of comprehensive cyber liability coverage and include forensic costs, credit monitoring, public relations management and notification costs.

Other notable coverage in the comprehensive cyber form relates to damage caused by a hacker, business interruption and cyber extortion.

The first step in cyber insurance in understanding the coverage.

The next key step in the process is to understand who has exposure and the severity of this exposure.
The simple answer is that “all business owners” are exposed. There are, however, some industries where the exposure is more severe and alarming than in others.

There are three major criteria that can be analyzed to determine if cyber coverage is necessary:
1) The first involves recording and tracking clients’ personal information including addresses, phone numbers, Social Security numbers, credit card numbers and other sensitive information.

 2) The second criteria are the operation of a website or server to run one’s business.

 3) The third and final criteria involve credit and debit card transactions by a business.


Keep in mind, cyber liability coverage is complex and consistently evolving.
Nearly every business in operation has been exposed, and stories of substantial losses are spreading through word of mouth and media outlets. With the adoption of technology in the business world, growing Internet threats and future technology advances, the time to position oneself as a cyber liability expert is now.

Please Call Jason Shroot @ 714-988-3325 To Discuss How We Can Protect You From Your Cyber Liability Risk.

Avoid Night Driving Dangers

Avoid Night Driving Dangers

Traffic death rates are three times higher at night than during the day, according to the National Safety Council. Driving reactions rely heavily on vision, and darkness severely limits depth perception, color recognition and peripheral vision. The keys to reducing your risk of an accident are maximizing your vision and your vehicle's visibility.

Improve Night Vision

Install high-quality headlights and wiper blades to improve visibility, and replace the headlight bulbs on a regular basis. "You'll notice a huge difference," says automotive expert Lauren Fix, known as "The Car Coach" on TV and the Web. "Remember, 90 percent of your driving decisions are based on visibility." A can of glass cleaner and paper towels will help keep your turn signals, windshield, mirrors and brake lights clear—making it easier for you to see, and easier for other drivers to see you. Older drivers and those with vision problems may find it especially challenging to drive at night. They should see a medical professional who can determine whether they are able to drive safely and suggest eyewear that may help.

Align Headlights and Mirrors

Headlights out of alignment can be a danger to you as well as to other drivers. Your visibility might be compromised, and the errant beam of your misaligned headlight could be hitting other drivers directly in their eyes. "If you think your headlights are aimed incorrectly, find an automotive technician to adjust them properly," Fix says. If a vehicle behind you has misaligned headlights upsetting your vision, adjust your rear-view mirror. "Flip that switch on your rearview mirror—called a dimming mirror—and try not to look at those lights because they can be very distracting," Fix says.

Adjust Speed and Following Distance

Because darkness reduces your ability to judge what other drivers are doing, you'll want to reduce your speed and increase the distance at which you follow other cars. "Just don't go so slow that you become a hazard," Fix says. A good rule of thumb for determining your speed while driving at night is to rely on the illumination distance or reach of your headlights. "Don't overdrive your headlights," Fix says. "You should be able to stop within the illuminated area."

For More Safety Tips Please Visit www.diversifiedinsurancequotes

To Ensure Proper Insurance Coverages With The Lowest Costs Please Call Jason Shroot at 714-988-3325

Insurance Matters: Why Should I Choose Mercury Insurance?

Insurance Matters: Why Should I Choose Mercury Insurance?: "Low Rates & A Dedicated Local Agent - A Winning CombinationMercury Insurance recently posted on their website the top 10 ..."

Why Should I Choose Mercury Insurance?

Low Rates & A Dedicated Local Agent -

A Winning CombinationMercury Insurance recently posted on their website the top 10 reasons why you should choose a policy with them. At Insurance Solutions we are a proud partner of Mercury Insurance and think everyone should be aware of what is to be offered and how we can both save you money!

1) Commitment: Since Mercury opened the doors, millions of dollars have been saved for customers and the commitment to continue providing the best insurance possible is a core value.

2) Trust: From 2007 to 2009 Mercury Insurance was named one of the most trustworthy companies making it one of only ten companies to receive the award consecutively for three years.

3) Expert Advice: The independent agents are always here to work out the best plan for our customers even if that is customizing a policy to better cover a client’s needs.

4) Fraud Protection: Mercury formed the first ever fraud investigation unit, working with federal officials who were responsible for hundreds of arrests and returning money to the customers who were targeted.

5) 24/7 Claims Service: Since the day does not stop at 5 p.m. the agents are available 24 hours a day 7 days a week to file your claims.

6) Discounts: Auto discounts are offered to good drivers, students, cars with anti-theft protections, multi-car policies, professional associations, and occasional drivers. Why not be rewarded?
7) Financial Strength: Mercury consistently earns “A” ratings from A.M. Best and Standard & Poor’s, two of the industry’s most influential rating agencies.
8) Protection: Mercury has been protecting families since 1962, so you know we’ll be there when you need us most.
9) Guaranteed Repairs: We guarantee the repairs done on your car for as long as you own it, as Mercury has authorized repair shops, we wouldn’t send you anywhere we wouldn’t take our own cars.

10) Satisfaction: More than 95% of Mercury customers choose to renew their policies, and only exceptional customer satisfaction can produce renewal rates that high.

For a Free No-Obiligation Mercury Insurance Quote For Your Home / Auto / Business Please Contact Jason Shroot at 714-988-3325

5 Things Home Insurance Won't Cover

5 Things Your Homeowners Insurance Won't Cover
Does your home insurance cover mold damage, sewage backup or flooding? If you're not sure, you need to read about these five common home insurance exclusions. Then, compare home insurance quotes with a licensed agent and make sure you're never caught unprepared.
1. Floods, Earthquakes and Landslides

As many homeowners found out in the aftermath of Hurricane Katrina, flood insurance is not covered under a standard home insurance policy. For protection against floods, as well as protection against damage from earthquakes and landslides, you’ll need to purchase separate insurance policies.

2. Sewage Backup

Sewage backup usually isn’t covered by home insurance unless you’ve purchased a separate rider. So if a toilet overflows and you have to hire a professional crew to mop up the mess, you’ll probably be left footing the bill.

3. Aggressive Dog Breeds

Depending on your location, insurer and other factors, your home insurance may not cover liability cases caused by the following dog breeds:

o Pit bulls
o Staffordshire Terriers
o Doberman Pinschers
o Rottweilers
o Chows
o Akitas
o Presa Canarios
o Wolf-hybrids
4. Neglect

Insurers expect homeowners to care for their homes and repair minor problems. This includes sealing cracks, minimizing water damage, fixing damaged pipes, scheduling regular inspections and more.

So, for instance, if mold spreads throughout your home due to a leaky pipe that went unchecked, your insurer probably won’t cover the damage.

5. Luxury Items

If you keep especially valuable items in your home, you probably need to purchase additional theft liability coverage. Most standard home insurance policies only cover up to $1,500 for damage or theft. Items that may require additional coverage include:

o Jewelry
o Antiques
o High-end electronics
o Collectibles

To learn more about home insurance exclusions and to make sure you have the right coverage for your home, speak with an experienced home insurance agent like Jason Shroot today by calling 714-988-3325 or emailing jason@diversifiedinsurancequotes.com.

Down Economy Means Upswing In Traffic Tickets

Down Economy = Upswing In Police Traffic Tickets


Did  You Know that Police officers typically issue more traffic tickets when the economy sours?  That means drivers should beware that they’re more likely to get ticketed now — and more likely to be hit with higher auto insurance premiums.

Municipalities struggling with tight budgets can use the boost in revenue from traffic tickets to help pay their bills.

“Police are having a quick trigger finger the past 18 months or so,” says Gary Biller, executive director of the National Motorists Association. “There’s less tolerance, and tickets are being issued much quicker. We know the pressure being put on governments, but it doesn’t justify what’s going on.”

A study published in 2010 by the University of Chicago showed significantly more tickets are issued in the year following a decline in a municipality’s revenue. When a municipality saw a 10 percent drop in revenue growth, it also saw a 6 percent rise in tickets issued, according to the study.

The study concluded that when the economy worsens, tickets often are used to bolster municipal revenue rather than to protect drivers’ safety.

Your Auto Insurance Premiums Can Go Up Roughly 20% After Getting A Traffic Ticket.

The average cost of a traffic ticket is $150 — including court costs but excluding any subsequent hike in your auto insurance premiums.

What does a traffic ticket mean for your insurance costs?

It’s not unusual for a driver’s auto insurance premiums to go up 20 percent after receiving a traffic ticket, Biller says. For someone who’s paying $100 a month for auto insurance, that could mean an extra $20. Additional traffic tickets could cause further spikes.

For their part, auto insurance companies say the amount that a driver’s premiums increase because of a traffic ticket varies dramatically. “There are just way too many factors that go into the pricing of an individual policy,” says Raleigh Floyd, a spokesman for Allstate.

While it’s true that traffic tickets can cause a driver’s premiums to go up, a traffic ticket issued in conjunction with an accident would cause much higher spikes in policy costs, Floyd says.

A driver who’s considered higher risk may see his insurance costs go up even more compared with someone considered lower risk, State Farm spokesman Kip Diggs says. Younger drivers and those with a poor driving history are higher risk, as are motorists who drive in heavily populated areas. Older adults who drive less and have excellent driving records are considered lower risk by insurance companies.

What should you do if you’re pulled over?

Many motorists are certainly jittery when they’re stopped by an officer and, in turn, may say something wrong, Biller says. A driver who’s been pulled over should remain calm and answer the officer’s questions succinctly.

Biller says one of the most popular questions an officer asks is: “Do you know how fast you were going?” The answer should always be: “Yes, I believe I was going the speed limit.”

In the end, no matter how calm a motorist is, he still could get slapped with a ticket. One of the biggest mistakes drivers make is accepting the ticket and not fighting it, Biller says. An estimated 95 percent of motorists don’t fight their tickets in court.
One attorney recommends that you ask the police officer which method was used to determine your speed when you’ve received a ticket.

Here Are 5 Things To Keep In Mind About Contesting A Ticket:

• Once the police officer hands you a ticket, ask for his name and badge number and jot down his car’s license plate number.

• Ask the officer what method was used to determine your speed, says Scott Hullinger, an attorney at Hullinger & Speredelozzi in San Diego. The two most common methods are radar and laser. If either technology wasn’t up to snuff, this can be a weapon in fighting the ticket.

• Use the officer’s license plate number to get the calibration records of the speedometer for the police car involved to ensure the radar gun used was accurate, Hullinger says.

• If you have your cell phone camera handy, take pictures of the scene. In some cases, speed limit signs and other traffic signs were knocked down or blocked by trees, says Wesley Browne, an attorney at the Browne Law Office in Richmond, Ky.

• If an officer doesn’t show up to court, the traffic ticket usually is dismissed, Browne says.

When should you hire an attorney to fight your ticket?

Attorneys concede that motorists can fight traffic tickets on their own, but lawyers emphasize that their insight into local politics can lead to dismissed tickets and reduced fines.

“I’ve never handled a ticket that I didn’t help in some way — either getting the speed lowered or the ticket dismissed,” says Browne, who handles about 50 to 55 traffic tickets each year in Kentucky. He charges about $200 for a simple traffic violation.

In San Diego, Hullinger charges $99 for a simple traffic violation and claims he’s able to get about half of the contested tickets dismissed. In about 90 percent to 95 percent of Hullinger’s cases, drivers receive a reduction in fines or driver’s license points, he says.

Here are three reasons why you should consider hiring an attorney when you’ve received a ticket:

• You got a ticket out of state. Hiring an attorney means you won’t have to go back to that state for court appearances, Browne says.

• You’ve had multiple violations, and being stuck with another violation will further erode your driving history. An attorney can inform you of diversion programs you may not know about, Browne says. For example, in Madison County, Ky., where Browne practices, motorists who are accepted into the diversion program watch an online driver’s safety course. Once you’ve completed the program, your traffic ticket is dismissed. The cost of the program is $150.

• Police used photo technology to ticket you, such as a photo red light or a photo speed ticket. Several court causes have uncovered problems with these technologies, Hullinger says.

 

If You Have a Clean Driving Record Or Several Tickets Jason Shroot Can Help You In Saving Money On Your Personal Auto Insurance Policy in California. 

Please Contact Jason at 714-988-3325 Today !