Cyber risk insurance: New coverage for emerging risks

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It seems you can’t turn on the news without hearing about a cyber-related crime or incident.

Criminals are increasingly using ransomware as a means of extortion. Ransomware is a form of malware, usually delivered by email phishing scams, that locks victims out of their critical data until they pay the criminals a fee.


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Insurance helps hospice care providers focus on the patient

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Hospice organizations focus on the care – not a cure – for the patient, as well as support to the patient’s loved ones. If your organization operates a hospice, you are in a unique position to affect quality of life in your communities. By making sure your organization has appropriate insurance protection, you can keep your focus on the important services you provide to patients and their families. Take time to review the declarations page of your insurance policy.


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Protect your business from data theft

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Most businesses, large or small, are aware of the threats to their data security, whether from viruses, hackers or their own internal employees. Although the direct cost associated with responding to a breach can be staggering, a recent study found that the biggest financial consequence to organizations that experience a data breach is actually lost business.


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Remember insurance as college students head back

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Back-to-school time is a good time to review your insurance if you have a student headed back to college. Remember to talk to your independent insurance agent for advice to make sure your student’s car, electronics and other belongings are covered. Some coverage may extend from your own personal insurance policies, but individual circumstances can vary. Your agent will know how to help.


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