Cyber Liability Insurance, Should you?

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

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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:

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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.

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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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Best practices for managing commercial Auto / Truck fleet safety…

 

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Your fleet of vehicles is an important asset to your company operations, and has significant exposure to loss and production expectations. Whether driving pickup trucks or heavier DOT-regulated trucks, it is essential to develop a risk management approach to minimize vehicles’ crash potential. Think of your fleet as two separate risks: the driver and the vehicle itself. Each needs maintenance and proper attention to control unwanted incidents. While the lists below do not include all possible risks, they form a good platform for your own fleet risk assessment to help avoid injuries, property damage and liability losses.

Driver risk

The lists below include common vehicle operation risks.

  • Establish a written fleet safety program that includes a distracted driving policy
  • Provide training to all drivers
  • Assess effectiveness of your fleet safety program
  • Perform frequent — at least annually — MVR checks on all drivers

Vehicle risk

The list below includes best practice tips to monitor and maintain fleet operations.

  • Review your SMS report for DOT-registered vehicles
  • Develop a pre-trip inspection process and train workers on proper load securement methods
  • Ensure maintenance schedules are followed and drivers are instructed to report any problems immediately

C.L. Hollis Insurance can offer through our company partners, policyholder benefits that include not only our comprehensive coverage, but access to risk solutions partner services.

  • Equipment theft prevention and recovery products
  • Background check services
  • Disaster and recovery planning services
  • Industry-specific training resources
  • Alarm system testing and maintenance services
  • Automatic sprinkler testing and maintenance services

Call us today for free risk assessment of your commercial auto / truck fleets

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

C.L. Hollis Insurance has been offering our protective insurance services for 29 years.

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Risk management: Contractors Check list.

jobsite3Contact, rick@insurehollis.com

 

How to prevent Worksite property damage

As a contractor you have loss exposures that go beyond the potential for worker injury. Steps should be taken to prevent damage to the materials and equipment that you are installing as part of a construction project. Including property loss prevention as part of your overall risk management efforts can help. Here are some action items to keep in mind to protect worksite property.

Protecting your project sites

Fire

  • Obtain a hot-work permit and be sure subcontractors have them as well when welding/ cutting/brazing or using an open flame
  • Train workers on how to use fire extinguishers and assign fire watch duties
  • Provide a daily map of hot work locations and communicate to after-hours security which locations to check
  • Inspect temporary power distribution for overloading and damaged electrical cords
  • Institute and enforce a no-smoking policy
  • Minimize accumulation of combustibles
  • Maintain fire access roads and be sure they can support heavy firefighting equipment

Water

  • Conduct pre-storm inspections to ensure there aren’t any unsecured or uncovered openings that could allow rain to enter
  • Inspect and remove debris from roof drains
  • Inspect weather-protecting tarps to ensure they will not detach during wind events
  • Have de-watering equipment available in case below-grade structures fill with rainwater

Security

  • Install fencing with minimum height of eight feet
  • Install security cameras with central station monitoring at access points
  • Have frequent discussions with work crews about alerting supervisors to any suspicious activity
  • Conduct nightly security checks to ensure trailers and storage containers have been properly secured
  • Properly secure and monitor off-site storage locations

Why C.L. Hollis Insurance?

Hollis Insurance is a leading property and casualty insurance agency offering a broad portfolio of tailored coverage solutions for residential & commercial contractors. Contact us today!

Canton 781-344-8578 Wareham 508-295-9500 or email rick@insurehollis.com

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Driverless Cars Are Consumers Ready?

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Autonomous autos are advancing so rapidly that companies like Uber Technologies Inc. and Alphabet Inc.’s Waymo are beginning to offer robot rides to everyday consumers. But it turns out the traveling public may not be ready. A recent survey by the American Automobile Association found that more than three-quarters of Americans are afraid to ride in a self-driving car. And it’s not just Baby Boomers growing increasingly fearful of giving up the wheel to a computer, a J.D. Power study shows — it’s almost every generation.

One of the greatest deterrents to progress in this field is consumer acceptance,” U.S. Transportation Secretary Elaine Chao told Bloomberg News at a department-sponsored conference in Detroit. “If there’s public concern about safety, security and privacy, we will be limited in our ability to help advance this technology.”

Most commuters don’t have access to a self-driving car, so Chao has called on Silicon Valley to  step up and explain how they work. She and other regulators advocate for autonomy as a solution for curbing the hundreds of horrific collisions that happen every day in regular automobiles. Among those that end up being fatal, 94 percent are caused by human error, according to U.S. authorities.

Dangerous as it may be to operate cars themselves, many drivers are anxious about autonomous technology because they associate it with the fragility of electronic devices. Laptops crash and calls drop with nagging regularity. The consequence of a computerized car crash is much greater.

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TRUCKS AND SUVs ARE BOOMING IN THE CLASSIC MARKET ( Insuring your Classic)

C.L. Hollis Insurance insurehollis.com

 

chevy truck

Two-thirds of the vehicles in the newest Top 25 ranking are trucks or SUVs, and nearly 90 percent of them are valued at $16,000 or less.
Who is responsible for all this four-wheel-drive brawn? Millennials and Gen-Xers.
The interest in trucks and SUVs is an effect of the changing demographics of the hobby,
The Hagerty Vehicle Rating tracks a vehicle’s performance relative to the entire classic car/truck market. Based on a scale of 0-100, a vehicle with a 50-point rating is keeping pace with the overall market. Those above 50 are appreciating ahead of the average, while those below 50 are lagging.
The C/K has been in the top 25 for the last 16 months, but this is the first time it’s been the highest-rated vehicle. The truck’s Hagerty Price Guide value has risen 4% over the past four months, and it has consistently outpaced both the auction and private sales market for the last 16 months.
We’re seeing the most interest in the entry level market, and several factors play into that, Rare and desirable cars like Ferrari 275s, Mercedes-Benz 300SLs, and air-cooled Porsche 911s saw huge increases in value over the last five years, but now that values aren’t rising like they were, interest has started to wane. Most buyers aren’t worried about losing $2,000 on a $20,000 purchase, but $20,000 on a $200,000 car? That’s a different story. Also, the stock market has been performing well relative to car values, which may have pulled some of the interest away from those high-end vehicles.”

Here’s a rundown of this month’s top 10:
VEHICLE RATING
1t. 1973-1987 Chevrolet C/K Series Pickup 96
1t. 1945-1968 Dodge Power Wagon 96
3t. 1976-1986 Jeep CJ-7 94

3t. 1993-2002 Pontiac Firebird 94
6t. 1994-1996 Chevrolet Impala SS 94
6t. 1973-1979 Ford F-Series 93
6t. 1960-1966 Chevrolet C/K Series 93
6t. 1994-2004 Ford Mustang 93
6t. 1966-1977 Ford Bronco 93
10t. 1978-1979 Ford Bronco 92
10t. 1981-1986 Jeep CJ-8 Scrambler 92
10t. 1969-1972 Chevrolet C/K Blazer 92

C.L. Hollis Insurance has been helping with your Classic car & truck insurance for 29 years. Save today, call us for quotes on your Classic today!

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

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What to Do After a Hurricane?

http://insurehollis.com/flood-insurance/ rick@insurehollis.com

 

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It may seem obvious to some

After it is confirmed by authorities that the storm has passed and it is safe to go outdoors, you can begin to assess any potential damage to your home and property. Follow these tips after the storm is over:

  • If you were evacuated, return home only after authorities advise it is safe to do so.
  • Avoid downed power lines. Never touch anything in contact with power lines, including water or water puddles that may be near the downed power lines.
  • Protect your property from further damage by boarding up broken windows to help deter vandalism or additional weather damage. Arrange for reasonable temporary repairs.
  • Be wary of any gas lines that may have been damaged or broken during the storm. If a gas leak is suspected, stay out of the property until the utility company deems it safe.
  • Be cautious of hazards that are a product of the storm, such as water due to flooding, sharp or broken objects, damaged tree limbs or other structures that may have been damaged by high winds or water.
  • Keep accurate records of your expenses and save bills and receipts from your temporary repairs. (Avoid making permanent repairs until your Claim professional has reviewed the damage.) Keep accurate records of any other expenses incurred.
  • Separate and inventory any damaged personal property. Create a list of any damaged contents, including a description of the item, name of the manufacturer, brand name, age, as well as the place and date of purchase, if known. Include photographs, videotapes or personal property inventories you may already have available.
  • If you think your home might be unsafe due to storm damage, contact your insurance agent to discuss finding temporary accommodations.

C.L. Hollis Insurance has been helping people for almost 30 years with their flood  & Homeowners insurance issues. Contact us today and ask about our competitive Flood Program.

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

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

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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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