Insure Valentine’s Day Gifts

Buying something special for your valentine? If so, you may want to schedule it under your Homeowners Policy.

Although your Homeowners Policy provides some coverage for your gifts such as jewelry, paintings, and other collections, it limits how much you will receive for the item in the event of a loss. For example, if a valuable stone falls out of a jewelry item, there is no replacement coverage under the Homeowners Policy. For broader protection of your most valuable items, give us a call to discuss how you can protect their worth from unforeseen losses that may not be currently covered.

Super Bowl Sunday!

It is almost time for Super Bowl Sunday! Chances are you are probably planning on getting together to eat, drink and watch some Football (or just watch the commercials and half-time show)! If you are hosting we would like to help you have a fun and safe party.

  • Slips and falls are at the top of the list for the cause of accident at home. Clean your sidewalks and driveway of snow and ice.
  • Also, remember to rearrange the inside of your house to avoid someone tripping over rugs, furniture or cords that may usually stick out.
  • While you are at it you may want to relocate any memorabilia or collectibles that could possibly be damaged are not covered under your homeowners policy.

If you would like to know what is covered under your homeowners policy, or how we can help you protect your collectibles give us a call today!

Special Cyber Liability Alert!

We have been seeing an increasing number of claims involving cyber attacks, viruses, malware, phishing and other situations where electronic systems are being compromised both by directed effort and innocent mistake. These incidents can cause loss or damage to electronic data, forensic expenses, loss of income, network security and privacy lawsuits, extortion losses, notification costs, and damage to your business’ reputation.
Most standard commercial insurance policies provide only limited (if any) coverage for these types of claims, and something as simple the use of email in your business can expose you to the risk of a breach or cyber event. 
We strongly recommend that each of our commercial customers take advantage of our free cyber security assessment provided by our partners at Fifthwall. With a small amount of basic information, this free report will provide a snap-shot of what a cyber event could look like for your organization and provide a strong starting point to understand how these risks may threaten your business. 

POTHOLES AHEAD!

Make it a point to be on the lookout for potholes. Know your surroundings before you swerve to avoid them. If a pothole cannot be avoided, reduce speed, being sure to check the rear view mirror before any abrupt braking. Hitting a pothole at higher speeds greatly increases the chance of damage to tires, wheels and suspension components. 
Depending on the impact of the hit and what part of your car is damaged, hitting a pothole can do serious damage to your wallet. Give us a call to discuss how your auto policy may cover the damage.

 

Terrie Todd – Leading The Way!

By Mary K. Grillo
Personal Lines Sales Representative

For the past 11 years, Terrie Todd has been employed with Christie Insurance Inc. in Pittsburgh, Pa., serving as personal lines manager for the past eight years. The agency has two locations, and Todd manages a staff of 12.
Her insurance experience began on the company side, with CNA, where she served for 16 years. Although holding various positions throughout  her employment, she was a commercial lines small business agency technology specialist for her last six years at CNA.