Author: creative
- Categories: American Heritage, Commercial Insurance, Cyber
Most businesses invest in physical security and general liability insurance, but cybersecurity is usually limited to a firewall and some antivirus software. Unfortunately, this leaves many small businesses exposed to the high cost of cyber attacks – which are increasing in frequency. According to Gartner, a global research and advisory firm, 43% of major data … <a title="Does My Small Business Need Cyber Insurance?" class="read-more" href="https://americanheritageins.com/does-my-small-business-need-cyber-insurance/" aria-label="Read more about Does...
- Categories: American Heritage, Cyber
In January 2019, The Illinois Supreme Court upheld consumers’ rights to sue companies for collecting their fingerprints without explicit consent. This precedent-setting case, Rosenbach v Six Flags Entertainment Corp, was the first to extend the interpretation of the Illinois Biometric Information Privacy Act (BIPA) holding that individuals do not need to prove they were actually … <a title="The Cost of Your Employees’ Fingerprints" class="read-more" href="https://americanheritageins.com/the-cost-of-your-employees-fingerprints/" aria-label="Read more about The Cost...
- Categories: American Heritage, Cyber
It is often said that smartphones are more powerful than the computers used in the NASA 1969 Moon landing mission. The 2KB memory of the Apollo 11’s guidance system is tiny compared to today’s Apple or Android handsets. When coupled with always-on internet access, these devices open up a world of possibilities – but many … <a title="Personal Cyber Insurance: Protecting Our Digital Lives" class="read-more" href="https://americanheritageins.com/personal-cyber-insurance-protecting-our-digital-lives/" aria-label="Read more about Personal...
- Categories: American Heritage, Umbrella
Your son blinds a playmate with his BB gun. Your daughter rear-ends a car, causing serious injuries to its driver. A neighbor breaks his neck by diving into the shallow end of your swimming pool. Your teenager’s friend drinks liquor at your house, then paralyzes another driver in a car crash. You serve on the … <a title="Should You Seek Out Umbrella Insurance?" class="read-more" href="https://americanheritageins.com/should-you-seek-out-umbrella-insurance/" aria-label="Read more about Should You...
- Categories: American Heritage, Commercial Insurance, Umbrella
When you hear the term “commercial umbrella insurance,” what comes to mind? Many business owners aren’t entirely aware of what this type of coverage entails, or even what it means. Today, we are going to give you the answers to your most pressing questions on the topic! What is commercial umbrella insurance? Commercial umbrella insurance … <a title="Does Your Business Need Commercial Umbrella Insurance?" class="read-more" href="https://americanheritageins.com/does-your-business-need-commercial-umbrella-insurance/" aria-label="Read more about Does...
- Categories: American Heritage, Auto, Commercial Insurance, Home, Small Business, Umbrella
Homeowners insurance protects you if, say, a fire burns your house to the ground. That’s a start. But you also need to think about protecting your home against something equally dangerous: a lawsuit. If a houseguest slips in the bathtub, you could get sued. Lose the lawsuit and you could lose all of your assets, … <a title="What’s Covered by Umbrella Insurance?" class="read-more" href="https://americanheritageins.com/whats-covered-by-umbrella-insurance/" aria-label="Read more about What’s Covered by...
- Categories: American Heritage, Commercial Insurance, Small Business, Umbrella
Commercial umbrella coverage gives you extra liability coverage to help pay costs that exceed your general liability or other liability policy limits. Without this business insurance coverage, you’d have to pay out of pocket for expenses that cost more than your coverage limits, such as: Legal fees Medical bills Damage expenses A commercial umbrella policy … <a title="What is Commercial Umbrella Insurance?" class="read-more" href="https://americanheritageins.com/what-is-commercial-umbrella-insurance/" aria-label="Read more about What is Commercial...
- Categories: American Heritage, Auto, Home, Money, Small Business, Umbrella
It seems as though the wealthier an individual is, the higher the risk of being sued. It’s just one of the downsides of being affluent, especially if that person is also a business owner. In opportunistic lawsuits, primary policies like standard car insurance, home insurance and a business owner’s policy do not fully protect a … <a title="Umbrella Insurance is the New Liability Coverage" class="read-more" href="https://americanheritageins.com/umbrella-insurance-is-the-new-liability-coverage/" aria-label="Read more about Umbrella...
- Categories: American Heritage, Truck Insurance
At the Work Truck Show’s Green Truck Summit in Indianapolis this past March, emcee John H. Davis, who has hosted and executive produced the PBS program “MotorWeek” for nearly 40 years, pointed to California’s recent regulations on truck emissions as some of the preeminent omens affecting the future of fleets’ operations and bottom line. He … <a title="Trucking’s Road to Zero Emissions" class="read-more" href="https://americanheritageins.com/truckings-road-to-zero-emissions/" aria-label="Read more about Trucking’s Road to...
- Categories: American Heritage, Truck Insurance
Being an owner-operator of a trucking business is a liberating experience. Due to the shortage of truck drivers, the pay is great and work is almost always available. Take a load when you want to and decline when you prefer to relax at home with your family. However, before you can reap the benefits of … Read more
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