Huff Insurance

Hurricane Helene: A Wake-Up Call for Non-Coastal Homeowners The recent devastation caused by Hurricane Helene has highlighted a major misconception in the world of home insurance: flood risk isn’t confined to coastal areas. Despite being far from the coastline, thousands of homeowners and busineess owners found themselves vulnerable, facing costly damages without adequate insurance coverage. Flooding can happen anywhere, and the statistics are clear—20% of all flood claims come from properties outside of high-risk flood zones. Yet, many homeowners remain uninsured, assuming that general home insurance policies will cover water damage. Unfortunately, this is rarely the case. The aftermath of Helene is a reminder that it’s time to reevaluate your coverage. Flood insurance is more affordable than many realize, and policies are designed to cover scenarios that aren’t covered under traditional home insurance. 🔹 Do you have flood insurance? 🔹 Are you aware of your area’s flood risk? 🔹 Do you know how a flood policy could safeguard your financial future? These are the questions homeowners need to consider, regardless of proximity to the coast. Let’s take proactive steps to be better prepared before the next storm hits.

In today's digital age, cyber security is crucial for protecting sensitive client information, especially for attorneys. Our blog post outlines essential cyber security tips tailored for legal professionals. From securing email communications to implementing strong password practices and multi-factor authentication, these strategies can help safeguard your practice against cyber threats. Dive into the details and learn how to enhance your firm's cyber security measures. 5 FAQ's for attorneys and cyber security: 1. Why is cyber security important for attorneys? Attorneys handle sensitive client information, making them prime targets for cyberattacks. Proper cyber security measures protect against data breaches and maintain client confidentiality. 2. What are strong password practices for legal professionals? Use unique, complex passwords for different accounts, avoid easily guessable information, and consider password managers for secure storage. 3. How can attorneys secure their email communications? Implement encryption for emails, use secure email platforms, and be cautious of phishing attempts to safeguard communications. 4. What steps can law firms take to protect against ransomware? Regularly back up data, update software to patch vulnerabilities, and train staff to recognize suspicious activities. 5. Why is multi-factor authentication (MFA) recommended for attorneys? MFA adds an extra layer of security by requiring a second form of verification, reducing the risk of unauthorized access. Check out our full blog post for more insights: https://lnkd.in/deSwepQf

We are seeing a lot of assumed audits this year. The insurance companies are back to requesting audits after relaxing their audit processes during and right after the COVID pandemic. Are you a business owner looking to understand how your insurance premiums are determined? Huff Insurance explains the importance of insurance audits in their article "What are Assumed Audits for Business Insurance?" This detailed guide covers why insurance companies would issue an assumed audit for your business. Actual audits involve a thorough review of your financial records to determine the precise premium based on your business's real financial performance over the policy period. If you fail to do the actual audit at the end of the policy term, an assumed audit is used to increase your premims from 25% to 200%! y Learn more by reading the full article on Huff Insurance’s blog: https://lnkd.in/e3mXN3cr

We are honored to be able to sponsor this gret event again in 2024. Grab your tickets and come out and support the Anne Arundel County Food Bank with us!