Winter2012Header
In This Issue

* Data Loss Insurance
* 12 Ways to Save on Insurance Premiums
* Business Insurance Policy Considerations
Dear Valued Clients:

As this winter plays cat and mouse with us, it calls to mind how life can be unpredictable. In this issue we are highlighting a new area of insurance covering data loss. In addition, we believe you, our customer, prefers to be educated about your policy choices and ways you can address the cost of your premiums. We have added items about business coverage to consider as well as some issues which could affect your personal insurance coverage costs.

We wish you the best this year as winter melts into spring.

Linda (Laven) Bernth

LLB
 
DataLock
Data Loss & Protecting Against It

 

 

Data breaches from hack attacks are becoming more and more common and are closely followed by data that's lost while physically in transit.

 

81% of data hacking or losses included social security numbers and/or credit card information.

 

Attacks against companies are growing bigger and bolder and their targets are smaller, less technically savvy and easier. They're hacking smaller employers and their employees. Closing these holes is proving very difficult, but companies keep fighting. Problem is, security problems that originate with humans usually don't have easy technical solutions.  

 

Nothing can replace personal vigilance.

 

In this potentially hazardous data environment, Laven Insurance is offering an outstanding data protection policies from several reputable and experienced companies.

 

Call us at 574.291.5510 to learn how you can inexpensively cover your vital data in case your technological items are breached or lost.

 

 

Business Insurance

 

Time and again when reviewing a business clients' current insurance coverage it is discovered that they have misconceptions about their existing coverage and even serious gaps in coverage.  

 

Sometimes a business might expose itself to new risks (like selling online) and doesn't realize it should talk to their agent about the change in business.     

Thinker 

Hopefully, as our client, you're a business owner reading this confident in your coverage. If you're not certain, or perhaps are just searching for answers, Laven has a list of business insurance coverages every business owner should seriously consider.  

 

If you find you don't need some of these coverages now, there's a good chance you may in the future as your business grows. And as always, please keep in mind the coverage suggestions are a good starting point, but, depending on your business, you may need additional insurance coverage not mentioned here.  

  

Not sure if you have the exact right coverage? Call us at 574.291.5510, we'll be happy to help.  

 

 

DozenDoughnuts

A Dozen Ways to Save on Your Insurance

 

1. Check the policy carefully for correct information. Zip codes, ages and location addresses can affect your rate.

 

2. Are you getting the additional age discount for senior adults?

 

3. Check deductibles. Higher deductibles result in savings.

 

4. Stop paying for coverage you do not need. Jewelry to safety deposit box, old car off collision coverage, etc.

 

5. Are you a non-drinker?

 

6. Are you a non-smoker?

 

7. Have you been consistent with one insurance company, or do you switch every few years? Companies give loyalty discounts.

 

8. Install an alarm system in your home and car. 

 

9. If you have a small claim, pay it yourself and save your insurance bigger ones.

 

10. Combine your house and car policies for the extra discounts.

 

11. Pay annually or quarterly rather than monthly.

 

12. Talk to your Laven agent at 574.291.5510.