Resources

With 41,000 known computer security incidents per day in the U.S., you can expect cyber liability to be on the minds of business owners across the country. While they hear about the risk, they are often unclear as to how it applies to them and what actions they need to take to address the risk. October is National Cyber Awareness Month, and it's an excellent opportunity for you to educate and inform your clients about cyber threats using Travelers' Cyber Pressure Test.

Flip flops, shorts and a T-shirt are great to wear at the beach, but if worn while riding a motorcycle, they look silly and are truly dangerous. Unfortunately, everyone has seen someone on the road who seems to be under the false impression that riding a motorcycle is about being reckless and narrowly cheating death.

However, experienced bikers know how to enjoy the exhilarating freedom of the open road with responsibility, skill and confidence. This is because they know how not to ride.

Current clients and perspective clients have heard or seen a product that Progressive Insurance has offered for some time now. It is starting to take traction in the industry of personal lines auto insurance. But, what does this really mean to the consumer? Let's first start with how the product it marketed. It is a small device that you plug into your vehicles diagnostic port. This device is currently only offered by Progressive Insurance and owns the patent on the device for now.

Small and midsized business throughout the country may or may not know what loss control is and how it can help their business's bottom dollar. Risk management by definition is a risk management technique that seeks to reduce the possibility that a loss will occur and/or reduce the severity of those that do occur. Other names for Loss control include risk control or risk safety. A perfect example of a loss control device is a smoke alarm.

Managing people may be one of the most difficult jobs there is. The good news is that there are management fundamentals, that when practiced consistently, will go a long way in making you a stellar manager.

For many of our clients in the western part of the United States, especially in states like Colorado and California purchasing home insurance can be a daunting task. Clients are building homes in Wildland Urban Interface which is essentially where the home meets the forest. Often times these areas are close to low lying brush or in thick forestry lands causing a higher risk of total loss of homes through fire damage. Because these homes are often several miles from fire departments the response times from local fire departments can take three to four times longer than living in a metro area.

Our customers need coverage for defense costs and damages if sued for causing bodily injury or property damage. We have coverage available as a standalone, our general liability coverage which helps businesses prevail when the unexpected strikes. Business Owners need to take their insurance coverage seriously and have it thoroughly reviewed by an agent that works for them. Learn how something very funny can end in a very traumatic and ironic way.

The Insurance Loft and Travelers Insurance have worked together for several years to help clients with their technology needs. We have attended several meetings to familiarize ourselves with not only the Travelers Insurance tech products specifically, but to the broad scope of tech as an industry. Because each business is unique in its own regard it is important to have a professional discuss your needs on a case by case basis to ensure that you are getting the proper coverage to maintain your day to day functions as a company. We are offering an interactive Travelers infomercial to help you as a client just some of the products that we can offer through Travelers Insurance.

The Hartford's Technology & Life Science Practice has been providing Technology & Life Science businesses of all sizes with holistic and forward-thinking insurance solutions for over 25 years. Check out our video series to find out how The Hartford can help Technology & Life Science businesses anticipate, prepare for and manage their risks with comprehensive coverage from The Hartford. Let the Insurance Loft provide you a hassle free proposal and review of your current insurance and align you with a reputable carrier like The Hartford.
 

Keeping your employees happy is a big part of ensuring your small business is successful. One way to ensure your workers are satisfied is through perks. But the dilemma smaller companies face is that they can’t afford the extravagant perks giants like Google, Facebook and others are handing out (free meals and snacks at the office, dry cleaning, unlimited vacations, babysitting, lecture series and college-level courses taught by famous thinkers). Thankfully, there are still some free employee perks you can introduce without bankrupting your company. Here are five that can go a long way toward creating happier employees and a better company culture.