Cyber Liability Basics

Tom Wallace Cyber Insurance

What is Cyber Liability? A good question but not a simple one to answer. Cyber insurance or cyber liability can cover different things. Liability insurance typically pays compensatory damages to another party. Cyber liability does that and more. Cyber insurance policies are not like auto insurance. Relying on standard terms and definitions is not wise. We cannot speak for every …

Rental Income Coverage

Tom Wallace Rental Property

    Rental Income Rental income means a lot if you: Have tenant occupied residences as your main business Have tenant occupied residences for a side income Rent your home or a home on a short term basis for vacations, events or corporate meetings   Limit of Insurance The first problem we see is either, the lack of an insurance …

Usage Based Car Insurance

Tom Wallace Auto Insurance, Videos

    VIDEO LINK   Usage Based Car Insurance Usage based car insurance becomes more popular each year. Underwriting can now include real world driving results. While traditional underwriting remains the main source of information these programs continue to grow nationally. Day to day driving tracked by an insurer yield discounts for the policy holder. Discounts can go as high …

Defamation-Are you covered?

Tom Wallace Homeowners Insurance, Liability Insurance

Defamation: Libel, Slander & Social Media Social media posts allow us to keep in touch with friends and family. Social media allows a handy way to express our opinions. Blogs of all kinds are very popular.  All age groups use these outlets for expression. What if a view point goes to far and someone takes offense and sues for defamation? …

Text Me!

Foote Daniel Communication

Texting is a convenient way to communicate information that does not require much of an explanation. We can send and receive text messages that will become part of your policy records. You can now text an insurance agent information you need us to know and we can do the same in return. How it Works When you text an insurance …

Renting a Car, Truck or Trailer-New York

Foote Daniel Auto Insurance, Videos

.   Watch Video We get frequent questions about insurance for renting a car truck or trailer New York. So how does a New York auto insurance policy apply? Most questions surround renting a car for a vacation. However some are for business use as well.  This post will also expand the information to include the renting of moving trucks …

Kayaks, Canoes & Rowboats Covered?

Foote Daniel Homeowners Insurance, Watercraft

    Kayak-Canoe-Rowboat insurance How does Homeowners insurance cover small watercraft on your premise or away from your premise? Separately insuring a kayak, canoe or rowboat is not common. Policies cover these watercraft in different ways. Refer to your home insurance for details. This article will outline general information that is common for insurance policies. Before we start we need …

Other Person Has No Insurance-Uninsured Motorist

Foote Daniel Auto Insurance, Videos

      Auto Insurance Coverage Series The auto insurance policy consists of different coverage parts. These parts have specific functions and one is Uninsured Motorist coverage. An insured’s injuries not compensated by an uninsured driver can be catastrophic. Uninsured Motorist coverage can provide relief. This article focuses only on Uninsured Motorist coverage and based on NY coverage. Readers not …

Car Insurance-Damage to Property of Others

Foote Daniel Auto Insurance, Videos

    Auto Insurance Coverage Series Auto Insurance consists of different coverage parts rolled into one contract. Almost all states require liability coverage to put a car on the road. Financial responsibility laws establish a minimum limit of liability for two components. Bodily injury and death claims have a coverage part and so does car insurance property damage. Watch The …