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How to Safeguard Your Pennsylvania Business from Data Breaches

Today’s reliance on digital communications to operate and maintain a business of any size means that the likelihood of data breaches is almost inevitable. Learn how to safeguard your proprietary business data and customer records from the commercial insurance experts at Valor Insurance in Pennsylvania.

Implement Company-wide Cybersecurity Rules

Implementing internal protocols as a first line of defense is the first step toward protecting proprietary and customer data from the prying eyes of nefarious data thieves. Conduct cybersecurity awareness training for employees and implement strong cybersecurity practices.

  • Complete Regular Software Updates
  • Use Firewalls for Company Websites and Pages
  • Require Unique and Hard to Guess Passwords for All System Users
  • Train Your Employees on How to Spot Phishing Attempts

Monitor Network Activity for Suspicious Usage

Cybercriminals often exploit unmonitored network vulnerabilities and use them as entry points to steal business data and hijack sensitive customer information. Business decision-makers should work with their IT teams to select and install network monitoring software that can help detect suspicious devices, login attempts, and unauthorized network usage.

Implementing network security protocols can help identify key threats before they turn into critical data breaches, which can cost thousands of dollars to correct.

Get Commercial Insurance with Cyber Liability Coverage

After taking the appropriate measures to secure your network, devices, systems, and data, the next step is to invest in a comprehensive commercial insurance policy that includes cyber liability protection. Even with the best security measures in place, no systems are completely immune from cyber attacks. A comprehensive policy can also include theft, vandalism, and commercial vehicle coverage.

Contact Valor Insurance to learn how to secure your data from breaches and get a quote for comprehensive commercial insurance with cyber protection today!

Three Things to Consider When Getting Home Insurance for a Waterfront Residence

Waterfront properties present unique insurance considerations. Here are three things you should evaluate if you’re getting home insurance for a waterfront residence, whether it’s on one of the lakes, rivers, or ocean shorelines in Pennsylvania.

1. Insuring a Boathouse

Boathouses usually fall under secondary structures coverage, which might protect everything from a fence to a detached building. Most home insurance policies have secondary structures coverage, but your policy’s standard limit for other structures might be lower than the value of your boathouse. If you have a boathouse, ensure your policy’s secondary structures limit is equal to your boathouse’s value. We at Valor Insurance can help you check your policy. We can also help you increase the limit for secondary structures or find a better home insurance policy if you need to.

2. Insuring a Dock

A dock might also be covered under secondary structures coverage, or it could fall under personal property coverage. Permanent docks are more likely to be considered secondary structures. Seasonal docks are typically considered personal property. In either case, you’ll want to make sure the applicable coverage limit is at least equal to any dock’s value. Our agents here at Valor Insurance can check which coverage applies to your situation and the coverage’s limit.

3. Getting Flood Insurance

Flood damage normally isn’t covered by a home insurance policy. Instead, you likely should have flood insurance if your Pennsylvania waterfront property is at risk of flooding. This can often be purchased at a subsidized rate through the National Flood Insurance Program.

Make Sure Your Waterfront Property is Protected

These are just some of the details to consider when insuring a waterfront property. To review all of the protections you should have, contact us and speak with a home insurance agent.

Questions you may have about life insurance

Life insurance is a subject few people discuss openly due to its association with morbidity. However, it is an essential coverage for those with dependents relying on their income. At Valor Insurance in Easton, PA, we are dedicated to helping you plan for the future and ensure you have the necessary life insurance.

Do I Need a Physical Examination to Obtain a Life Insurance Policy?

While it is required to undergo a physical to obtain a life insurance policy, not doing so may limit your options and inflate the premium. You may be required to answer some medical questions instead of a physical.

Do I Need More Life Insurance Than My Employer Provides?

Are you willing to entrust your employers with the livelihood of your dependents? No one understands your dependents’ needs better than you. While employer-provided life insurance is a valuable benefit, it should not be the sole source of your life insurance coverage. Long-term employment is never guaranteed.

Can I Designate More Than One Beneficiary?

Yes, you can nominate any number of beneficiaries you wish. However, if your beneficiaries are minors, they must reach adulthood before they can claim the money.

Why Do I Need Life Insurance?

Unless you have enough savings to support your dependents in your absence financially, you need life insurance. It serves to ensure that your loved ones are cared for when you are no longer there to do so.

We are ready to help address your life insurance needs at Valor Insurance in Pennsylvania. Reach out to us, and our team will be delighted to assist.

Add ons you may want to add to your auto policy

Auto insurance can be customized to include extras that suit your specific needs. At Valor Insurance in Pennsylvania, we are here to assist people in finding a policy that caters to their auto needs. No one needs to settle for a standard auto insurance policy when they have an independent insurance agent to lend a hand.

Full Glass Coverage

If you hold comprehensive coverage on your vehicle, you have glass coverage, but it comes with a deductible. If you choose full glass coverage, you won’t have to pay a deductible when you repair or replace your windshield.

Rental Car Coverage

This isn’t the coverage for a rental car you need for your vacation. This is the rental car you will require if your car is damaged in an accident where you are the responsible party or if there is no responsible party. It can make a significant difference after an accident, not worrying about how you will commute to work.

Roadside Service

Roadside service performs all the functions that auto club coverage does for you. It will provide a tow when required, jumpstart a dead battery, assist you in retrieving keys from a locked car, and deal with a flat tire.

GAP Insurance

If you have a newer vehicle and an auto loan, if you have an accident, you might end up with insufficient funds to pay off what you owe due to depreciation. GAP insurance handles this for you to prevent you from owing on a vehicle you no longer possess.

You can trust Valor Insurance in Pennsylvania to fulfill your needs for the insurance you require and want. Please stop by our office or get in touch to get started today on a policy in Georgia, Tennessee, or Pennsylvania.

Your Commercial Property Insurance Protects Defrays the Cost of Expensive Vandalism Incidents

Unexpected incidents that damage your commercial building can disrupt your business, negatively impacting your bottom line. If vandals damage your building, quick repairs are necessary to continue serving your customers. Commercial property insurance can help offset the costs of returning your property to proper service. At Valor Insurance in Easton, PA, we offer commercial property insurance to safeguard your business location.

Common Vandalism Incidents That May Occur

Common types of vandalism include spray painting graffiti, breaking windows, keying vehicles, damaging signs, starting fires, and applying chemicals or other damaging substances to commercial property. In some cases, damages can be quickly repaired or removed to allow for normal customer service. However, other circumstances may disrupt your normal business operations.

What You Should Do If Your Property Is Vandalized

Document the damage to your building or grounds by taking pictures or video, so you have a record. Contact the local police department and file a report, which may be submitted in person, by phone, or online, describing the damage and providing images of it. If you have suspects, provide any relevant information, such as video footage of the incident. Lastly, call your insurance agent to initiate a claim on your policy.

Make Valor Insurance Your Insurance Agent in Pennsylvania

Our experienced agents can answer your questions about commercial property insurance and how it can protect your business. We offer a wide range of insurance products, including auto, home, life, flood, and business policies. Contact Valor Insurance today for a no-obligation quote on commercial property insurance that will help keep your business running when vandalism occurs.

Why All Homeowners Need to Have Home Insurance

Every homeowner needs home insurance. It’s crucial for safeguarding yourself and your family in case of unforeseen circumstances. Homeowners face a series of risks, and home insurance alleviates these risks. If you don’t already have a home insurance policy or if you’re considering altering your current policy, contact us at Valor Insurance in Pennsylvania.

Damage Risks

As a homeowner, you’re exposed to numerous risks. Many damaging incidents can occur in your home, which might cost you dearly. In case a disaster occurs and damage is inflicted on your house, it’s vital to have a home insurance policy. This policy can cover the cost of repairing damages or rebuilding your home if required.

Belongings Risk

However, it’s not only damage to your house that you should worry about. Your belongings are also at risk. Various incidents can damage or destroy your belongings. Your home insurance also covers the cost of repairing or replacing these belongings after a covered incident.

Liability Risk

As a homeowner, you also face a liability risk. Home insurance is important as it covers this liability as well. When someone gets injured on your property, you’re liable for all related expenses, including lost wages, legal bills, and medical expenses. These costs can be unusually high, hence the need for coverage.

Get Home Insurance

If you need home insurance, feel free to contact us. Valor Insurance in Pennsylvania is always ready to help.

I just started my own business – do I need life insurance?

Congratulations! You’ve just started your own business and are about to embark on the adventure of business ownership.

As a business owner, you know you will need commercial insurance, but you find yourself wondering: Do I need life insurance, too? Our Valor Insurance in Pennsylvania advisors have the answers and are here to help.

Do business owners need life insurance?

It is an excellent idea for business owners to consider life insurance as part of their insurance plan. Company-owned life insurance can provide crucial protection for a business in the case of the unexpected death of an owner, partner, or employee, which has the potential to disrupt and cause financial issues for the business. You have worked hard on and planned carefully for your business and want to set it up for the best possible success.

If you have started your business with a partner, life insurance can provide a bridge while the surviving partner determines whether to continue the business. In that scenario, the death benefit could be used to replace lost revenue and pay the costs to keep the business open. Without it, the surviving partner may face difficult decisions, such as borrowing money or selling some of the company’s assets to get through the rough patch.

Similarly, life insurance can provide for family members who rely on the income from the business during this period of loss. An unexpected death is a sudden transition, made even harsher if financial hardship enters the picture. Life insurance can protect your family’s quality of life as they adjust and move forward.

Contact our experts at Valor Insurance for help finding the right policy for you and your business in Colorado, Tennessee, Pennsylvania, or Georgia.

Quality Over Cost in Batteries

One of the basic auto needs you have periodically is getting the battery replaced. Many car owners may look to get the cheapest battery available, but that ends up doing more harm than good over time. Below are a few reasons why you need to choose quality over cost in batteries. 

Excessive Corrosion

One of the biggest differences between good batteries and cheap batteries is the amount of corrosion that develops on the connectors. Cheap batteries will start having a slow leak that causes the connectors to corrode frequently. This can keep the battery from charging and leave you stranded unexpectedly. This corrosion can start shortly after getting the battery and will last right on until you get the battery replaced. 

Lifespan

Another test of cheap versus quality is the lifespan of a battery. When you purchase a cheap battery for your vehicle, you’ll get exactly what you pay for in terms of quality and lifespan. It will last for fewer miles and years. If you’re a commuter and put more than 15,000 miles on your vehicle each year, you’ll be lucky to get two years out of a cheap battery. Those with a higher-quality battery will cost more, but they’ll last for several more years, and you will not have issues with them until it’s time to change them. 

Energy Level

Good, quality batteries will have a stronger energy level, and you’ll feel the difference in your vehicle’s power. Cheap batteries will have slow power-ups and can actually put a strain on your alternator. When batteries aren’t working to their full capacity for a while, this can cause the alternator to wear down and need to be replaced, which is another major expense. 

If you’re in the Marietta, GA area and want a personal quote, contact Valor Insurance today for more information. 

Commercial Insurance’s Support for Festivals and Markets

Commercial insurance plays a fundamental role in the successful, safe, and sustainable operation of festivals and markets across Tennessee. The benefits span from liability protection for organizers to coverage for property damage and unexpected incidents.

Extending Liability Protection to Vendors and Participants

Commercial insurance offers extensive liability protection to vendors, exhibitors, performers, and participants involved in these events. Vendor liability insurance, for instance, shields against risks like product liability, property damage, and accidents caused by vendors’ activities. It serves as a financial safety net, providing small businesses and artisans peace of mind. Moreover, performers and participants can avail themselves of event liability insurance covering any accidents, injuries, or property damage during their involvement.

Advancing Community Safety and Well-being

Commercial insurance also fosters community safety and welfare by implementing standards and regulations during festivals and markets. Provisions may include security measures, emergency medical services, and adherence to local ordinances and permits—further enhancing the safety and enjoyment of attendees and the local community. In essence, by providing a buffer against unanticipated incidents and emergencies, commercial insurance enhances the overall event experience.

Promoting Economic Growth and Tourism

Festivals and markets substantially contribute to economic growth, tourism, and cultural exchange. Commercial insurance bolsters the success of these events by offering financial protection and risk management solutions. These ensure continued participation from vendors, sponsors, and attendees. Thus, commercial insurance indirectly strengthens local economies, fostering entrepreneurship, job creation, and community development.

Valor Insurance: Here to Help You

At Valor Insurance, we can explain all aspects of commercial insurance. We proudly serve the Tennessee area. Contact us today for more information.

How to Protect Your Home Against Different Types of Wind Damage

Wind damage can wreak havoc on your home, causing structural damage, roof leaks, and other costly repairs. At Valor Insurance, we’re committed to helping homeowners throughout the state of Pennsylvania safeguard their homes against wind-related risks. Here are some tips to protect your home:

Reinforce Your Roof

Your roof is the first line of defense against wind damage. Ensure your roof is in good condition by conducting regular inspections and promptly addressing any loose or damaged shingles. Consider reinforcing your roof with hurricane straps or clips to provide additional support during high winds.

Trim Trees and Branches

Overhanging tree limbs can pose a significant risk to your home during strong winds. Trim trees and branches near your home to reduce the risk of branches breaking off and causing damage to your roof or windows. Regular tree maintenance can help mitigate the risk of wind-related accidents.

Secure Outdoor Items

Secure outdoor furniture, grills, and other loose items that could become projectiles during a windstorm. Anchor or store these items indoors during periods of high winds to prevent them from causing damage to your home or neighboring properties.

Install Impact-Resistant Windows and Doors

Consider upgrading to impact-resistant windows and doors to protect your home against wind-driven debris. These specialized windows and doors are designed to withstand high winds and flying debris, reducing the risk of damage to your home’s interior and occupants.

At Valor Insurance, we’re here to help you protect what matters most. Our experienced agents can assist you in assessing your home insurance needs in Pennsylvania, Tennessee, and Colorado, reviewing coverage options, and securing a policy that provides comprehensive protection against wind-related risks. Call now to obtain an estimate for a new home insurance policy.