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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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….

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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