Cyber Liability Insurance, Should you?

Have you asked yourself if you may need Cyber liability insurance?

cyber

Take our quick cyber risk assessment.

  1. Does your company allow employees to remotely access your company network with mobile devices such as laptops, smartphones, tablets, etc.?
  2. Has your company hired vendors that have access to the information for which you are responsible or legally obligated to protect?
  3. Do your company’s service providers or contractors have on-site or remote access to your network?
  4. Has your company completed an inventory of all IT equipment and applications, and assigned a person to be responsible for maintaining these systems (anti-virus upgrades, software patches, strong passwords, etc.)?
  5. Has your company inventoried and classified the types of information it collects, processes, maintains or transmits, and do you restrict access to sensitive data, such as financial, medical or other personally identifiable information (PII)?
  6. Do any regulatory standards such as HITECH, HIPAA, or PCI DSS, apply to your company?
  7. Does your company have a protocol or individual identified to check network monitoring and logging devices?
  8. Is all sensitive information your company would collect, process, maintain or transmit encrypted?
  9. Does your company isolate customer information databases and payment/point-of-sale systems from other, less secure systems?
  10. Does your company have a process in place to ensure all antivirus protection, software updates/patches and equipment security settings are properly installed in a timely manner?
  11. Do contracts with all third-party service providers and contractors clearly specify their responsibility to safeguard sensitive information, while limiting their access to and use of this sensitive information commensurate with assigned tasks?

If you answered NO or NOT SURE to any of these questions then the answer to your original question is YES you do need Cyber Liability Insurance Coverage

C.L. Hollis Insurance has been helping people with their Risk Management for over 26 years. Let us answer your question. Contact us today!

Rick Hollis

Stoughton office 781.344.8578 – Wareham office 508.295.9500

www.insurehollis.com

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Classic Trucks, SUVs and Jeeps http://insurehollis.com/antique-vehicles-insurance/

classic Trucks

At C.L. Hollis Insurance we love your classics almost as much as you do! Offering unbeatable pricing with great coverage options. Specializing with programs tailored to you and yours.

Your love for your trucks and SUVs only grows over time. And if it’s a classic, so does its value. It’s up to you to protect that pride and joy. It’s never been easier, with custom coverage designed –and priced– for these treasured classics. To qualify for our program, trucks and utility vehicles must meet the following requirements:

1946FordPickup

Stock

  • 1989 and older
  • Minimum value for 1972 and older is $3,500
  • Minimum value for 1973-1989 is $5,000
  • Vehicles cannot be used for camping
  • Vehicles should not be used regularly for towing and hauling; however, we can consider limited towing and hauling up to 20 times per year.

77-ford-bronco

Modified

  • 1995 and older
  • Minimum value for 1972 and older is $3,500
  • Minimum value for 1973-1989 is $5,000
  • Minimum value for 1990-1995 is $7,500
  • Extreme off-road modifications such as brush guards, roll bars, tool boxes and lift kits with large off-road tires will not be accepted
  • Vehicles cannot be used for camping
  • Vehicles should not be used regularly for towing and hauling; however, we can consider limited towing and hauling up to 20 times per year.

C.L. Hollis Insurance has been helping families like yours for over 26 years.

Call Stoughton 781-344-8578 Wareham 508-295-9500

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THREE CLASSIC CONVERTIBLES TO BUY, SELL, OR HOLD….

Convertibles_DodgeViperRT10_FCA_NA

C.L. Hollis Insurance rick@insurehollis.com

Summer is here, and there’s nothing quite like driving a convertible to revel in it. We have listed three convertibles to consider if buying or selling.
BUY: 1992-95 Dodge Viper RT/10
With 400hp and 465 lb-ft of torque powering a car that weighed less than 3,300 pounds, it could embarrass Corvettes and certain exotics. It also had no traction control, ABS, windows, or roof, and the side pipes were notorious for burning occupants’ legs. There weren’t many bare–bones cars like it at the time, and not many since.
It’s hard imagining a reason why you wouldn’t want one, although every subsequent generation was better, and early Vipers are still surprisingly cheap. You can pick up a perfectly good 1992–95 model for well under $40,000, and it’s not uncommon to find one with higher mileage for under $30K. Now would be a good time to buy, though, because these cars are done depreciating and are passing the 25–year mark. Average values have increased by about 30 percent over the last 10 years, which means they are outpacing inflation. The Viper marked a major step forward for American performance cars and offers a purely analog driving experience in an increasingly computerized automotive world. Together with current value trends, the RT/10 should be a safe buy with a strong long–term outlook.
SELL: 1968-71 Mercedes-Benz 280SL
The 280SL was one of many cars in the Hagerty Price Guide that doubled in value over the past five years before depreciating in recent months. Their values (along with 230 and 250SLs) were carried up by 190SLs, themselves buoyed by 300SLs. First, 300SL prices peaked in January 2015. Then, 190SLs peaked four months later and have gradually declined since. For 280SLs, values appear to have peaked in January, this year. All measures that make up the Hagerty Vehicle Rating for these cars show them trailing the rest of the market, and following the 190SL’s example, it’s safe to assume that prices for “Pagoda” SLs will similarly decrease in the short term. Now may be a good time to cash out.
HOLD: 1964-67 Sunbeam Tiger
Like the 280SL, Tigers saw great appreciation over the last five years but have started softening more recently. The difference between the Tiger and the SL from a valuation standpoint is the lack of alternatives. When someone gets priced out of a Mercedes SL, they can just buy the next generation SL they can afford. With the Tiger, though, there isn’t a straightforward next choice. It became the cheaper alternative to the Shelby Cobra as prices for both Shelby Cobras and AC Aces became unaffordable for most enthusiasts. Also, other convertibles that combine a lightweight European sports car chassis with a big American V–8 are similarly expensive. Thus, the Tiger is the cheapest car of its kind. Buyers in that sub–six–figure price bracket don’t really have any other cars to turn to. So, despite the recent drop, Tiger values are likely to hold steady or recover in the future. If you own a Tiger it’s probably best to weather this downturn.

C.L. Hollis has been helping you with your classic auto’s for 29 years.

Call for info on our classic car programs.

Wareham 508-295-9500   Canton 781-344-8578

 

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Competitive Flood Insurance Market….

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rick@insurehollis.com

Competitive Flood Insurance Market

If you are currently insured with the National Flood Insurance market you should know that there is relief. There have been some changes, we now have available private insurance market that has entered the market place and the savings are significant for those of us stuck in an AE Flood Zones. Premiums with this new market are sometimes less than half the price.

C.L. Hollis has been helping families with their flood & home insurance for 29 Years.

Call or email for more information.

Wareham office 508-295-9500 Canton 781-344-8578

Rick Hollis rick@insurehollis.com

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When Your Homeowners Insurance Isn’t Enough ?

Rick@insurehollis.com

House fire

Consider this startling fact: 66 percent of U.S. homeowners were underinsured by an
average of 18 percent. This means that if these dwellings sustained a total loss, the homeowners would not have enough insurance reimbursement to replace their home.   It is critically important that your home is “insured to value.” This means that you have sufficient insurance to cover the full value of your home so that if you have a loss, you can rebuild an identical home, using the same materials. This is known as “replacement cost.”

For example, have you recently:
• Added square footage to your home?
• Built a garage, porch or other attached structure, or enclosed a porch?
• Upgraded your kitchen counter or cabinets?
• Remodeled a room in your home?

If you answered “yes” to any of these questions, it is important that you let your independent insurance agent know as soon as possible. Your agent will increase your coverage so that in the event you have a loss, you will be adequately protected. Periodically, your insurance company may need to increase your homeowners insurance for another reason. Escalating construction costs and oil prices would increase the cost of rebuilding your home to its original state. You may wonder why if a current market downturn, in which home prices could be declining, you would need additional insurance. As previously noted, insurance to rebuild your home is based on construction costs, not current home values.

It is a good practice to contact your independent agent at least once a year—regardless of
when you purchased your policy—to discuss any improvements you have made to your home or those in the planning stages. Because being prepared is the essence of being protected.

C.L. Hollis has been insuring homes in the New England area for 29 years.

Call us today Wareham office  508.295.9500   Canton office 781.344.8578

 

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FIVE CARS TO DRIVE WHILE YOU STILL HAVE A PULSE !!!

C.L. Hollis Insuring your Classic Auto’s for 29 Years Rick@insurehollis.com 

1967 Corvette L882Web

 

With baby boomers more aware of their own mortality these days, “bucket lists” of things to do before one’s demise have become increasingly popular. Our friends at Hagerty® have listed their top five cars that need to be driven before kicking the bucket, taking the big dirt nap, biting the dust or, well, you get the idea:

  1. 1967 Corvette L88: The L88 was the Corvette that ordinary civilians weren’t supposed to be able to buy. Rather, it was built to be taken racing by “privateers” (GM was still observing a ban on manufacturer supported racing). Although a regular production option, the L88 was expensive and came with almost no creature comforts. The horsepower was deliberately underrated on the option sheet to come in below the regular 427-cubic-inch 435-hp engine to further discourage Average Joe buyers. In reality, the L88 could make over 500 hp on racing fuel. Acceleration was shattering. It’s the ultimate classic Corvette Sting Ray.

 

  1. 1967 Shelby Cobra 427: Carroll Shelby found that there was almost no spindly little British sports car that couldn’t be improved with the insertion of an American V-8. Under Shelby’s direction, the Sunbeam Alpine became the Sunbeam Tiger, and the AC Ace became the vaunted Shelby Cobra. The baddest version of the Cobra sported a 427-cubic-inch engine that was similar to the one developed for NASCAR. Cobras are hot, noisy and cramped, but they’re really the greatest expression of the muscle car ethos—cram the largest possible engine into the smallest package.

 

  1. 1992-98 McLaren F1: The F1 was everything a supercar should be but so seldom is. Many modern supercars are as much a fashion accessory as a car. Nobody ever bought an F1 as a bauble. Because of the car’s somewhat minimalist nature, and the fact that it was offered only with a conventional three-pedal manual transmission, posers didn’t apply. It’s a reasonable certainty that Kanye West doesn’t own an F1. With three seats and a center driving position, plus reams of Formula One technology and incredible performance (0-60 in 3.2 seconds, ¼ mile in 11.6 and a top speed of 241 mph), the F1 is the one supercar that should be on any automotive bucket list.

 

  1. 1976 Porsche 930: Of all the cars on this list, the earliest version of the Porsche 911 Turbo Carrera (otherwise known as the 930) is probably the one most capable of preventing the fulfillment of one’s automotive bucket list. Early 930s were somewhat diabolical cars with tires that were a bit too small and a turbocharger that lit up suddenly and with a vengeance. The turbo’s abrupt nature could make for scary driving at inopportune times (like the apex of a corner). But it’s the car’s ability to bite back that can make it so much fun and a genuine accomplishment to master.

 

  1. 1970 Plymouth Road Runner Hemi Superbird: The Superbird appeals to anyone with a “stick it to the man” sensibility. It’s whole reason for being was to introduce the streamlined nose cone and giant wing into Chrysler’s NASCAR efforts back when NASCAR still had homologation requirements for race cars. Although available with Mopar’s excellent 440-cubic-inch V-8, it’s the 426 Hemi that belongs on anyone’s automotive bucket list. Between the view over the long hood and nose cone and the view out the back with the five-story-tall wing, the Superbird driving experience is like nothing else.

C.L. Hollis Insurance helping you and yours for 29 Years

Wareham Office 508.295.9500 Canton Office 781.344.8578

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Thinking of New Home Construction…

C.L. Hollis Insurancenew england home

Custom homebuilders, Commercial general contractors and even property owners often find themselves searching for insurance coverage to protect personal or business projects under construction. Builders risk insurance protects a person’s or organization’s insurable interest in materials, fixtures and/or equipment being used in the construction or renovation of a building or structure should those items sustain physical loss or damage from a covered cause; it is often required to comply with government regulations or as a condition to meeting banking or other contractual arrangements. While a builders risk policy itself is relatively simple to obtain, ensuring the proper coverage, limits and policy type are in place requires a core understanding of the industry and the associated risks which occur during the course of construction.

 

At C.L. Hollis Insurance inland marine policys for owners and contractors are high priority. With comprehensive insurance coverage and flexible policy options, our Builders Risk Plan is designed to meet the needs of residential and commercial customers for any project type and size ranging from turnkey and custom build to order to high volume construction, and it can be tailored for even the largest construction project.

C.L. Hollis has been helping Contractors with all their construction needs for over 28 years.

Contact us today.

Rick Hollis

rick@insurehollis.com

 

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SPRING START-UP: TIPS FOR GETTING YOUR CLASSIC BACK ON THE ROAD

1966 Ford Bronco Convertible Photo Credit Copyright 2014

Don’t forget to contact us here at C.L. Hollis Insurance to review your insurance coverages on your Classic Car. rick@insurehollis.com

For classic car owners in northern climes, the long wait for spring can be excruciating. The good news is, it’s here. C.L. Hollis with our trusted partners at Hagerty have put together the following spring start-up checklist. Start prepping your car for its first drive. You’ll both be better for it.

  1. Start with your battery. If it’s been on a trickle charger all winter, disconnect it from the charger and reconnect the battery. If you simply removed the battery and stored it in a warmer spot for the winter, time to charge it up.
  2. Check your fluids. Start with a walk around and examine the floor beneath the car. Drips are common and expected; puddles are not. A fresh oil change is recommended since water or other fluids may have found their way in your crankcase. While you’re at it, replace the oil filter. Also check your other fluids – brakes, coolant, transmission, windshield washer. Do they look dirty? Are they at the recommended level? Smell your transmission fluid. If it smells burnt, change it. Generally speaking, if you can’t remember the last time you drained and flushed any particular fluid, it’s probably time to do it again.
  3. As for gasoline, your car should be good to go if you put STA-BIL in the gas tank before storing your car. If not, you might consider adding a water-absorbing product or – if you’re really worried about it – drain the tank.
  4. Check your belts and hoses for cracks and decay. Since rubber breaks down over time, examine the condition of your tires. Make sure they’re inflated to the correct air pressure, and remember the spare.
  5. In addition to potentially damaging your engine, water can cause brake problems as well. If your car has been sitting for a while, consider bleeding your brakes. They should feel firm when you push the pedal.
  6. By this point, you should already know if any mice spent a comfortable winter in or around your engine. Also check inside the passenger compartment, especially under the seats and in the glove box.
  7. And one last thing – check the headlights, turn signals and brake lights. Yes, this requires a friend’s help.

It’s finally time to start your car. If you’re just testing the engine, make sure an exit door is open enough to allow exhaust fumes to escape. If the weather allows for a drive, make that first one fairly short – a half hour or so should put the car through its proper paces. And before you take drive No. 2, do the ol’ walk-around again. No major leaks? Tires look good? Let ’er rip, and have a great summer.

C.L. Hollis has been helping people with their Classic Car Insurance for 29 years.

Contact us today!   Canton 781-344-8578      Wareham 508-295-9500

Rick Hollis

 

 

 

 

 

 

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Wedding Insurance Why You Need It!

C.L. Hollis Insurance Canton Office 781-344-8578  Wareham Office 508-295-9500 wwwinsurehollis.com

weddinginfographic_medium

Wedding Insurance Why You Need It!

From organizing seating arrangements to creating music playlists to keeping in-laws and family members happy, planning for your wedding involves dozens of decisions made under tight deadlines with tons of pressure. For many, a wedding can also mean a significant investment as couples and their families plan full wedding weekends complete with a rehearsal dinner, the wedding event itself and a celebratory send-off brunch. Knowing what a huge time and financial commitment your special day is, are you sure you are doing everything possible to help protect your wedding

Although couples may hesitate to spend even a cent more than necessary on an event that can get pretty pricey in the first place, wedding insurance policies usually don’t cost more than $100—and can save you  thousands if anything goes wrong.

Top Wedding Claims

A look at the past five years of Travelers wedding claims data reveals that some of the most common claims include bankrupt venues, injury or illness, and disruptive weather. If a vendor goes out of business unexpectedly or does not show up, the policy covers lost deposits as well as additional expenses necessary to finding a replacement vendor.

The insurance also covers lost deposits due to cancellation or postponement of the wedding if one or both members of the wedding party are unexpectedly deployed for military duty.

Even if a vendor has insurance, its policy protects its own interest. Shouldn’t you protect yours?

Together with our trusted partner Travelers Insurance Company

C.L. Hollis Insurance has been helping families like yours for over 28 years. Contact us today!

Canton Office 781-344-8578  Wareham Office 508-295-9500 http://www.insurehollis.com

 

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