Walking Dead, Cashes in on Life Insurance!

Cyber Attacks on your Business

Small Business Now the Focus of Cyber Attacks

Twenty-first century businesses are under constant threat of cyber attack from individuals and organizations looking to steal and profit off the information stored on their computers.

Though all business industries are susceptible to a cyber liability loss, for the purposes of this article, we will focus on the risk concerns for professional trades such as lawyers, accountants, real estate agents, dentists, doctors, etc.

The professional trades listed above, (not an inclusive list, there are many others), are extremely vulnerable to a data security or privacy lawsuit because of the confidential and personal information stored in their computer databases.

Professional service businesses are also seen as easy targets.

American Express understands that hackers want the valuable personal and financial data stored on their computer mainframes… so American Express protects itself with both preventative systems and insurance coverage.

The average main-street law firm or accounting agency sees themselves as too small to be targeted.

WRONG!

These smaller organizations are seen as “easy pickins.” Hackers have turned their malicious gaze upon the small business.  According to Symantec, in first quarter of 2012, 36 percent of all targeted attacks (58 per day) during the last six months were directed at businesses with 250 or fewer employees. That figure was 18 percent at the  end of Dec. 2011.

That is DOUBLE the attacks in one quarter… Scary.

Cyber Liability Insurance

Today’s cyber liability insurance policy (there have been many iterations over the 10 year life of cyber liability), includes network liability as well as the following first party coverages:

• Privacy Liability
• Regulatory Liability
• Expenses surrounding a security breach event

In an article by the Insurance Journal on cyber liability outlines further where exposures come from: including outsourced service providers for Web hosting, credit card processing, call centers, document storage, and data warehousing.

Covered Events Include:

• Unauthorized access or use of a computer system
• Theft or destruction of data
• Hacker attacks against third parties
• Denial of service attacks
• Malicious code
• Privacy liability arising from a network security breach
• Security breaches of personal information in any format, including non-electronic
• Violations of state and federal privacy regulations (HIPAA)
• Security breach notification laws

If you feel your business is exposed to this type of loss (which it most likely is) I must caution you, cyber liability in insurance terms is very young.  Each insurance carrier’s policy forms will not be the same.  There will be huge different coverage and exclusions from carrier to carrier.

Talk with your insurance professional in depth to make sure you understand what you are purchasing.  This is NOT a homeowners policy, this is an advanced business policy that demands discussion

Eyes of Freedom

http://www.limacompanymemorial.org/index.html

Truly something to support and you must see in person!

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Buckeye Lake Amusement Park

The Park's most famous ride was the roller coaster, the Dips, and every brave visitor would not call his day at the Park complete without a ride on the coaster. Locals were familiar with the sound it made, the "click, click, click," as the cable met the cog that pulled the coaster car to the top of the first hill. We knew that in a few seconds the screaming would begin as the coaster made its way down the highest incline, out over the Little Lake, making its turn and roared back into the station. The Dips belonged to the Park Company and had been built around 1930. Henry Langham was the man in charge (in the 40's)  each day at 10:00 to 12:00, they walked the Dips looking for loose boards, nails, bolts or anything that would cause trouble. The Park didn't close at night until the Dips closed so everyone watched the Dips to see when they turned out their lights. The Dips didn't run in the rain as the brakes would not work. There was always a cop stationed at the ride to watch for drunks or to watch the money as many a day

the ride brought in $5,000. There was usually a long line to ride the coaster. It was rare when someone was killed on the ride, but a man from Baltimore, Ohio was killed when he stood up on the turn. In 1937 a man either jumped or fell out and was killed. A little child, last name Wolf, was playing on the framework and fell into the Little Lake and drowned. Quite a record for such a ride until 1958 when it gave its last ride. The night it crashed, eighteen people were on board the three cars which were just beginning the last trip of the night. The cars were going up the first big incline and were nearly to the top, when the cable broke and a one inch pin that was to stop the cars if this happened, sheared off, and the cars came roaring back down the hill.

Carl Biddle witnessed the mishap and said one of the passengers told him that it was his first ride and thought nothing of the fact that it was going backwards. Bobbie McKay, son of Park manager Bob McKay, was at the ride and hopped in for the last ride of the night. He was not hurt!!

No one was killed! Most severely injured were Sylvia Seagle, an O.S.U. student; Mr. and Mrs. Joseph Long of Zanesville, John Cruit, age 18, Lancaster; Robert Levenson of Bexley; Arlene Rosenthal, age 16, of Bexley and Owen Miller of Columbus.

The coaster was twenty-eight years old at the time of the mishap, and a check with state offices in Columbus showed that the ride had last been checked in 1955 (this was 1958), but the state inspector felt it had been checked more recently than that.

The Dips never ran again. Each year it went into a worse state of disrepair and pictures were constantly being printed in the papers showing its neglect, until one day, with the help of God, a big storm blew it down into the Little Lake and then, indeed, another era ended!









Boating Safety Tips

https://www.travelers.com/personal-insurance/boat-yacht-insurance/boating-safety.aspx

Quote on Success

"Pray as it depends on God, work as it depends on you"

Do you really need car rental insurance?

Know the facts!

http://usatoday30.usatoday.com/travel/columnist/mcgee/2004-03-09-mcgee_x.htm

Increasing Homeowner Rates

Increasing Homeowners rates in Ohio! Things could be much worst compared to other states. http://www.skeeninsurance.com/images/PIA_homeowners_increase%5B1%5D.pdf

What's important to you?



Skeen Insurance Agency
Chase Kocher - Insurance Agent
614.725.6277

I was asked a question the other day.  "What's important to you? What seemed to be a simple question suddenly wasn't for me.   It's easy for me to selfishly say that I want to earn more income and be known more for what I do.  That I want to be able to retire at an early age to be able to truly enjoy the later years of my life somewhere warm preferably with the ones I love.

No matter what our journey in life entails, or what we want it to entail "Trust in God and he will take you there".

In the end, being Happy, Healthy and providing for my family in the best way possible is all that matters.

What's important to you?