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What is Ransomware?

Of all the types of malware, ransomware is notably dangerous for small businesses. Not only has this cyber threat been on the rise, it prefers to zero in on smaller companies, as they are the easiest targets. Why Should My…

Cyber Insurance for Small Business

Small businesses today face a higher risk than ever with Cyber security issues creating a day-to-day struggle. According to Travelers Insurance, 43% cyber attacks specifically target small businesses. Hacker groups prefer small businesses because there are rarely designated IT teams…

Why Liability Limits Are Important

What Are My Insurance Liability Limits On My Auto Policy? Many people do not know what their bodily injury liability limits are when it comes to their car insurance. Unfortunately even fewer understand how they work for them in the…

What Is My Insurance Score?

Why are my rates so much different from my Neighbor? This is a question I hear regularly when discussing insurance options with clients and potential clients.  People find it hard to understand if they have a clean driving record and…

Does My Insurance Cover Water In My Basement?

A basement flood is one of the most ambiguous insurance situations for a homeowner. Some situations are covered by home insurance, while others require a special type of coverage like flood insurance or an endorsement. Below we discuss the most…

5 Rules Every Landlord Should Live By

I’m pretty confident that if you asked anyone who has ever owned a rental property you would get an overwhelming response that it’s not as lucrative or easy as they thought it would be. In fact, owning a rental property…

Will my credit rating change my insurance rates?

I was recently asked this question by one of our United Insurance Services clients, and thought I would share the answer here for our readers. There are a lot of things that go into homeowners and auto insurance rates, one of…

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