Author: agentinsure

Cybersecurity for Businesses: Protecting Your Data and Reputation in the Digital Age

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In today’s digital world, safeguarding your business’s data is more critical than ever. At Hyman Brown Insurance Agency Inc. in Commerce, GA, we understand a cyber attack’s profound impact on your operations and reputation. Let’s explore how you can protect your business in the digital age.

Recognizing the Threats

Cyber threats are constantly evolving and target businesses of all sizes. Understanding these risks, from phishing attacks to ransomware, is the first step in building a robust defense. Awareness and education are crucial in preventing breaches and ensuring your team is prepared to handle potential threats.

Building a Strong Defense

Creating a comprehensive cybersecurity strategy is essential. This includes using firewalls, encryption, and secure passwords. Regular software updates and patches are vital to protect against vulnerabilities. Additionally, implementing multi-factor authentication can add an extra layer of security, safeguarding sensitive information from unauthorized access.

Training Your Team

Your employees are your first line of defense. Providing regular training on cybersecurity best practices helps them recognize and avoid potential threats. Encourage a culture of vigilance where employees feel confident reporting suspicious activities. This proactive approach can significantly reduce the risk of a cyber incident.

Planning for the Worst

Even with the best precautions, breaches can occur. A response plan ensures quick action, minimizing damage and downtime. Regularly reviewing and updating this plan is crucial to staying prepared for new and emerging threats.

Call Us For Commercial Insurance Products in Georgia

At Hyman Brown Insurance Agency Inc. in Commerce, GA, we’re committed to helping you protect your business. Contact us today to learn more about commercial insurance options that can safeguard your data and reputation in the digital age.

How Do You Pay Home Insurance?

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Home insurance is a standard protection that almost every homeowner should have. It’s a requirement if you’re buying a house in Commerce, GA. Here’s how homeowners’ policies are typically paid.

Initial Payment

The initial home insurance payment is usually submitted to your insurance agent when you first purchase a house. For example, we at Hyman Brown Insurance Agency Inc. can accept your payment if you choose a homeowners policy through us.

This initial payment covers the first year of home insurance; the full year’s premium is usually due upfront. Once your initial payment is made, an "insurance binder" will be sent to your lender. This document shows that you’ve purchased home insurance. Your lender will likely require the document at or before closing.

Ongoing Payments

After the initial payment, you normally won’t send future home insurance payments to your insurance agent. We at Hyman Brown Insurance Agency Inc. are still available for coverage questions or claims, but payments are usually sent to your bank instead.

Your "mortgage payment" usually includes the mortgage, property taxes, and home insurance. Your annual home insurance premium is broken down into monthly payments, which are paid with your mortgage. The home insurance premium part of your payments is held in escrow.

When your home insurance policy needs to be renewed in one year, your bank will pay the next year’s premium from the escrow amount. If the next year’s premium is different from what’s expected, you might have a small additional amount due or receive a small credit back.

Get Help With Home Insurance

If you have any questions about home insurance and are in Commerce, GA, contact us to talk with a knowledgeable agent. We’d love to help ensure your home is properly covered, and we’re happy to help with logistics, like understanding how the policy’s premium is paid.

Mold Coverage in Renters Insurance: What You Need to Know

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Understanding Mold Coverage in Renters’ Insurance

Mold can inflict significant damage to property and potentially present severe health risks. It’s crucial to grasp if your renter’s insurance policy covers mold-related issues. Renters’ insurance policies in Commerce, GA vary in their mold coverage, and the coverage often depends on the cause of mold growth.

When Mold is Covered

Typically, renters’ insurance covers mold damage when it arises from a peril mentioned in your policy. Standard perils include accidental water leaks from a burst pipe, a faulty appliance, or a storm. If mold develops as a direct result of one of these covered incidents, your renter’s insurance may help cover the cost of mold removal and repairing any damage to your belongings.

However, the coverage generally comes with restrictions, and the insurer may only indemnify up to a particular limit for mold-related claims. It’s crucial to understand the extent of your coverage and whether you require additional coverage.

When Mold is Not Covered

Renters’ insurance generally doesn’t cover mold resulting from negligence or a lack of maintenance. For example, insurers are unlikely to cover the damages if mold forms due to persisting humidity, poor ventilation, or unresolved water leaks. In such scenarios, mold prevention and the proper upkeep of your rental unit fall under your responsibility.

Additionally, certain mold types, such as black mold, might necessitate specialized treatment, and coverage may be excluded unless you purchase additional mold protection.

Consult with Hyman Brown Insurance Agency Inc.

The Hyman Brown Insurance Agency Inc. provides comprehensive information about procuring insurance. Our agency caters to individuals in and around Commerce, GA. Contact us today.

The Overlooked Benefits of Umbrella Insurance

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Safeguarding your assets with the right insurance is crucial. At Hyman Brown Insurance Agency Inc., serving the greater Commerce, GA area, we vouch for umbrella insurance as a vital part of comprehensive coverage. This blog will explain why this often-overlooked policy could be ideal for your insurance portfolio.

What is Umbrella Insurance?

Umbrella insurance offers an extra layer of liability protection that extends beyond the confines of your standard policies, such as home or auto insurance. It comes into play when your primary insurance has been used up, covering legal fees, damages, and more. This safety net can thwart financial devastation in the face of an unexpected lawsuit.

The Necessity of Umbrella Insurance

Picture a situation where you are at fault in a significant car accident. Your auto insurance covers damages up to its limit, but what if the expenses overshoot that? Umbrella insurance swoops in at this juncture, ensuring you aren’t burdened with out-of-pocket expenses. Knowing that you are shielded from substantial financial strain guarantees peace of mind.

Safeguarding Your Future

Umbrella insurance isn’t exclusively for those with a high net worth. It’s an intelligent choice for anyone with assets to protect. Whether you own a home, have a savings plan, or are apprehensive about future earnings, this coverage can prevent you from losing everything in a lawsuit.

Affordable and Versatile

One of the most impressive aspects of umbrella insurance is its affordability. Given its protection level, the cost is relatively low, making it viable for most budgets. In addition, it’s highly versatile, providing coverage for incidents like defamation or false arrest, which other policies may not cover.

Ready to discover the benefits of umbrella insurance for yourself? Contact Hyman Brown Insurance Agency Inc. in Commerce, GA, today. We’re here to help you secure a safer, more protected future.

How to Get Auto Insurance When Buying a New Car

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Purchasing a new car is exciting, but there are some slightly mundane matters to attend to. One of those matters is insurance. Here’s how to equip yourself with auto insurance when you buy a new car and enjoy your drive without worrying about coverage.

Arrange Insurance Before Purchasing the Car

Before you finalize the purchase of your new vehicle, you need to have auto insurance in place. Georgia law requires all drivers in Commerce, GA to have insurance.

You can start shopping for insurance as soon as you decide on the specific vehicle you’ll purchase. If you want an accurate quote, you need to know at least the vehicle’s year, make, and model, and preferably the VIN too.

Check Lender Auto Insurance Requirements

If you’re financing your new car through a bank or other lender, you’ll need to meet specific insurance requirements. Lenders usually require comprehensive, collision, and gap coverage as part of their investment.

These coverages will likely pay if you’re in an accident that damages or totals the vehicle. The insurance agents at Hyman Brown Insurance Agency Inc. can assist you in ensuring that these three coverages are in place if you’re in a financing situation.

Opt for More Than the State Minimum

All drivers in Commerce, GA are required to carry coverages that meet Georgia’s minimum requirements. However, it is generally recommended that you carry more coverage and higher limits.

Work with an Independent Insurance Agent

One of the best ways to compare policies and opt for the ones that suit your needs is to check quotes with an independent insurance agent. Not only can an independent agent help you choose specific coverages and limits, but they can also verify pricing from several insurance companies.

If you would like to speak to an independent agent about auto insurance, please contact Hyman Brown Insurance Agency Inc.

A Quick Look at Commercial Insurance Statistics

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Running a small business can be rewarding both financially and personally. However, starting a business also means assuming many risks. The good news is that some of these risks can be mitigated with commercial insurance. We’re going to cover some important statistics below, but if you are in or near Commerce, GA, and you’re interested in speaking with agents serving this area, feel free to contact Hyman Brown Insurance Agency Inc.

Key Statistics About Commercial Insurance Everyone Should Be Aware Of

There are over 33 million businesses, both large and small, in the United States alone. The Small Business Administration (SBA) points out that the vast majority of these businesses are small companies with a workforce of less than 500 individuals. Given the high level of competition, commercial insurance can often be the difference between a small business’s success and failure.

Surveys have discovered that over 95% of business owners do not fully grasp the basics of small business insurance. Moreover, 90% of small business owners have concerns about being inadequately insured. If you or someone you know has worries about insurance or questions about it, it’s wise to connect with expert insurance agents. These professionals can guide you through various policies and highlight what each covers and why planning for specific risk factors is essential.

Several incidents can negatively impact a small business. Top reasons for insurance claims filed by small businesses include theft and break-ins, damage from wind and hail, and water damage, like a burst pipe. The right commercial insurance policy may help safeguard your business from these threats.

Some industry insiders have found that commercial insurance rates increased by nearly 4% in the first quarter of 2024. This finding underscores the importance of partnering with insurance agents who can assist you in finding the best deals. If you are in or around Commerce, GA, and want to discuss policy options, please get in touch with Hyman Brown Insurance Agency Inc.

Three Important Types of Coverage in Your Home Insurance

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A home insurance policy comes with several different coverage types. It’s important to have each of these coverage types so that you’re well covered in case of damaging events and accidents. Each of these types of coverage protects you in a different way against certain risks that exist for homeowners. When you get your home policy, call us at Hyman Brown Insurance Agency Inc. in Commerce, GA.

House Coverage

The protection for the structure is one of the most important types of home coverage you need. Every home policy comes with this protection in case of damaging events happen to the house. This coverage pays for the repairs that are needed after something damages it. This may be anything from a calamity to an accident to certain disasters. They can seriously damage a house and cause it to need expensive repairs to be habitable. 

Belongings Coverage

This coverage works much like the coverage for the structure, but it pertains to your belongings at your house. If a damaging event causes serious damage to your things, this coverage can pay for them to be repaired or replaced. A damaging event can cause damage to the home and to your things, and you need this coverage just in case this happens. Item replacement can be extremely expensive without coverage. 

Liability Coverage

If someone comes onto your property and has an accident there, the cost of the injuries would be up to you. That’s what the liability coverage is for. It protects you against what can be incredibly high medical expenses. 

Get Your Home Insurance Policy

If you’re buying a home or want to change your existing home insurance coverage, call us at Hyman Brown Insurance Agency Inc. in Commerce, GA.

Do Two Roommates Each Need Their Own Renters Insurance Policy?

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Hyman Brown Insurance Agency Inc., a leading insurance company based in Commerce, GA, provides bespoke renter’s insurance crafted to your unique needs. We leverage our commitment to service excellence and deep understanding of the insurance market to bring you top-rated insurance options.

Understanding Renter’s Insurance

The choice between opting for a single renter’s insurance policy or requiring individual policies for each flatmate is influenced by the specifics of the living arrangement. As numerous tenants share accommodation, the selection of separate policies or joint ones often hinges on personal preferences and the property’s state.

Through the services of our authoritative agency, Hyman Brown Insurance Agency Inc., you can access essential guidance on the right policy. Shared policies are advisable when responsibilities are shared. However, each person’s policy will remain personal and cover individual concerns. Our skilled insurance agents offer advice tailored to each tenant’s unique needs and circumstances, ensuring the overall financial security of your shared living space.

Discover Premier Insurance Coverage Near Commerce, GA

Out of all the esteemed insurance companies in Athens and Commerce, GA, Hyman Brown Insurance Agency Inc. stands out for offering top-tier insurance coverage. Our passionate team at Hyman Brown Insurance Agency Inc. is committed to helping you find the best insurance protection available.

Let us help you achieve peace of mind and financial freedom. With our professionalism and expertise, we aim to guide you through the insurance world. Do not settle for less-than-optimal insurance coverage. Contact our team today to secure the insurance policy that perfectly meets your needs.

Filing Umbrella Insurance Claims

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At Hyman Brown Insurance Agency Inc., we understand that many businesses in Commerce, GA find umbrella insurance confusing, especially when making a claim. Here’s a helpful guide to help you navigate the process when submitting your umbrella policy claim.

Evaluating Your Current Liability Coverage

Before making an umbrella insurance claim, it’s essential to ensure your existing liability coverage has been exhausted. An umbrella policy only takes effect if your primary liability coverage reaches its limit. If a lawsuit threatens to max out your basic cover, you can make a claim on your umbrella policy.

Compiling Information About the Claim

The next step is to gather detailed information about your claim to present to your insurance team. This information could include police reports, previous insurance claims, and incident reports. Collating this information before filing your claim facilitates a smoother process.

Remember, this data is crucial to your claim—without it, you won’t be able to file a claim. Simply stating that you need umbrella protection is not sufficient. Consult with your agent to understand the precise details required; they can guide you in collecting all suitable and necessary information.

Submitting Your Claim

Once you’ve collated all the necessary data, you can submit your claim to your insurance agent. Depending on multiple factors, you should typically receive a claim approval notice rather quickly. Remember that you can always lodge an appeal if your claim is denied.

Lean on Our Expertise

Hyman Brown Insurance Agency Inc. has a proven track record of helping several Commerce, GA businesses with their insurance claims. Drawing from years of experience, we are confident in our ability to support you. Don’t hesitate to contact us if you need help.

How Comprehensive Is Comprehensive Coverage?

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Comprehensive Auto Insurance: A Layer of Extra Protection

Purchasing a vehicle marks a significant investment, an essential asset for work and family commuting. The right insurance can guard against hefty repair costs following an accident. But vehicle damage extends beyond just road mishaps. It is here that comprehensive auto insurance steps in. Let Hyman Brown Insurance Agency Inc. in Commerce, GA, address all your queries about comprehensive insurance coverage for your vehicle.

Understanding Comprehensive Auto Insurance Coverage

A basic auto insurance policy features collision coverage and various types of liability coverage. Comprehensive insurance caters to the less common hazards that can still cause considerable vehicle damage and incur high repair costs. It is often selected by new-vehicle owners still settling their payments or possessing high-end vehicles known for expensive repair costs. In such cases, comprehensive coverage is an effective tool for reducing personal expenditure on repairs.

The Scope of Comprehensive Coverage

Comprehensive insurance provides coverage for fire, theft, vandalism, animal damage, natural disasters, glass damage, and civil disobedience. However, it excludes the aspects covered by liability or collision coverage. It doesn’t cover deep-pothole damages or rental vehicle costs during your vehicle’s repair period.

While the premium rates for comprehensive auto insurance are higher than basic policies, the financial safeguard it provides makes it a worthwhile consideration. Comprehensive auto insurance shields vehicle owners who prefer not to bear the full damage repair costs independently.

As auto insurance can be complex, our Commerce, GA agents can provide detailed insights into the various coverage levels. Contact Hyman Brown Insurance Agency Inc. for a no-obligation auto insurance quote to protect yourself from expensive losses when mishaps occur.