Cyber Business Coverage

 

Cyber Business Coverage

The cyber insurance market is evolving at a rapid pace. Three significant cyber attacks took place since March 2021, raising awareness of cyber for all businesses. Even Federal Reserve Chairman Jeremy Powell stated that the next major threat to the economy is cyber in a 60 Minutes Interview:

  1. Microsoft Exchange Hack (3/2/2021) – A vulnerability in the Microsoft Exchange email servers exposed over 30,000 business’ internal data to hackers.
  2. Colonial Pipeline Attack (5/7/2021) – The Colonial Pipeline Attack impacted nearly half of the East Coast’s fuel supply and shut off their pipelines for 11 days. This event highlights how ransomware attacks are leading to greater cyber risks.
  3. VMware Exploit (6/4/2021) – A VMware vulnerability with a severity rating of 9.8 out of 10 was exploited by cybercriminals to launch attacks on organizations using VMware.

These events signify the growing risk of cyber threats. No business, big or small, is immune from cyber incidents which can be devastating. Businesses need robust and customized cyber coverage, so they can return to normal operations quickly after an incident.

We have companies that offer standalone cyber insurance that can be customized to match the needs of any business, and can help protect you from evolving cyber threats.

Massachusetts Junior Operator Law

Massachusetts Junior Operator Law

Getting your driver’s license is an exciting, and sometimes scary, event for the new driver and the new driver’s family. Operating a motor vehicle is serious business and the Commonwealth of Massachusetts has a strict Junior Operator Law for new drivers.

Massachusetts Junior Operator Law 101:

Any motor vehicle operator or motorcyclist between the ages of 16 1/2 and 18 is considered a Junior Operator. The Junior Operator Law has several requirements and restrictions that significantly affect the operation of a motor vehicle by a person who has a Junior Operator’s License (JOL). The basic purpose of the law is to provide new drivers supervised opportunities in which to develop good driving skills, while keeping those drivers free of the possible distractions caused by friends under age 18 who are present while the drivers are behind the wheel.

Following, from the MA Registry of Motor Vehicles Driver’s Manual, we offer Massachusetts Junior Operator License Restrictions:

  • You may not operate a motor vehicle within the first six months after receiving your JOL while any person under age 18 is in the vehicle (other than you or an immediate family member), unless you are accompanied by a person who is at least 21 years old, has at least one year of driving experience, holds a valid driver’s license form Massachusetts or another state and is occupying a seat beside you.

General Rule: The passenger restriction that applies to the Junior Operator (Under age 18) is lifted once the Junior Operator completes the six-month period or you reach age 18, whichever occurs first.

The six-month passenger restriction period will stop running, temporarily, during any suspension. When your JOL is reinstated, you will still have to complete the remainder of the six-month restriction period that existed at the beginning of the suspension period, unless you have already turned 18.

  • As the holder of a Junior Operator License (JOL), you may not operate a motor vehicle between 12:30 a.m and 5:00 a.m. unless you are accompanied by one of your parents or your legal guardian. If you are found operating a motor vehicle in violation of this restriction, you may be charged with operating a motor vehicle without being licensed. This is a criminal violation.
  • If you violate the passenger restriction or the night restriction, you will be subject to a license suspension of 60 days for a first offense, 180 days for a second offense, and one year for subsequent offenses. For a second or subsequent offense, you will also be required to complete a Driver Attitudinal Retraining course. The law requires the Registrar to impose this suspension in addition to any other penalty, fine, suspension, revocation, or requirement that may be imposed in connection with a violation committed at the time you were violating the passenger or night restriction.
  • You may not operate a motor vehicle that requires a commercial driver’s license (CDL).
  • You will be suspended for one year if you are under 18 when you have committed certain driving offenses and alcohol or drugs were involved (180 days if age 18 to 21), in addition to any penalty assessed by a court or other law.
  • You will be ineligible for a full license until you have completed the period of suspension imposed while operating with a JOL and you reach age 18.
  • You will face additional suspension periods of one year for a first drag racing offense and three years for a subsequent offense, you will be suspended for one year.

Call or click us at Johnson & Rohan Insurance if you would like more information on Massachusetts insurance or the Massachusetts Junior Operator Law.

Business Cyber Coverage

Business Cyber Coverage

 

 

 

 

Business Cyber Coverage: Ransomware is on the rise.

According to Cowbell Cyber: in 2021, the average ransomware payment increased by 43%, business interruption due to ransomware attacks increased by 10%, and almost 80% of these attacks included the threat to leak the hijacked data.

Businesses need to improve their ransomware protection. To help, we’ve put together “5 Steps to Proactively Address Ransomware” to help your clients!

Ransomware attacks can affect any business, regardless of size or industry. Cyber insurance prepares your clients for the worst – first by helping them proactively improve their risk profile and second by enabling them to recover faster and at a lower cost when an incident occurs.

Our standalone cyber insurance product, Cowbell Prime, empowers you to easily offer customizable policies that match the unique needs of any business and using AI we make upgrading your clients to a robust cyber policy easy and fast.

Standalone cyber insurance is essential for protecting your clients. 7/1 renewals are your opportunity to upgrade them.

Grill Safety

June 20, 2021 marks the longest day of the year, the beginning of summer and, of course: Father’s Day.

As we approach the summer solstice, it’s time to fire up the grill. Remember to exercise some caution before you do so.

The insurance industry reports of over 500 fires and over 30 injuries per year as a result of gas grill fires and explosions.

Many of these fires occur when people use a grill that has been left idle for a period of time or when they have just refilled and reattached the grill’s gas container.

It is important to carefully check your grill before you use it each summer.

Check grill hoses for cracks, holes, and leaks; ensure that the tubes that lead into the burner are free of any debris that could block the flow of gas; and replace scratched or nicked connectors, which can allow gas to leak.

Once cleaned and inspected, enjoy the 2021 summer grill season.

Who cares if the guy mowing my lawn isn’t insured, injuries are his problem, not mine. Right?

Annual Insurance Review

Annual insurance review

We recommend an annual insurance review. Like a good spring cleaning, visit, phone, or exchange e-mails with us to review your insurance coverage!

It is important to understand your insurance coverage.

We are here to help.

Some questions to ask us:
  • Do we carry adequate liability limits? Limits should equal, at least, your net worth.
  • Should we carry Umbrella coverage? (Yes.)
  • What is the value of our vehicle? If the value is low, should we still carry collision coverage?
  • Are all new drivers included?
  • Do other companies offer lower premiums?
  • If our car loan is paid off, should we remove the lienholder on our policy?
  • Are we getting all available discounts?
  • Should you have Special Items, such as jewelry, antiques, silverware, or collectibles scheduled onto your policy?
  • Do we have enough life insurance?
  • Would you like us to quote your business insurance? Johnson & Rohan Insurance has great commercial markets.

Call us for your annual, insurance review, explanation of coverage, and discount double-check.

Insuring Teen Drivers

insuring teen drivers

Tips for insuring teen drivers:

Insuring your teen drivers can be expensive. How much? That depends on you and your teen.

  • Consider driving an older model vehicle with high safety ratings. If you insure a vehicle that doesn’t cost much (doesn’t require collision coverage) you will save a bunch of money. The Insurance Institute for Highway Safety (IIHS) offers their top choices here: IIHS Top Safety Picks.
  • Get good grades. Auto insurers offer large good student discount for B or better averages. In order to qualify for the good student discount most companies require the student also has a perfect driving record.
  • Drive Safe. Accidents and violations for a new driver can turn expensive rates into absurd rates. Practice safe driving.
  • Complete a Certified Driver’s Education Program. All drivers under the age of 18 are required to complete a licensed, Professional Driver’s Education program. Driver’s ed will save you 10% (parts 1,2, 4, 5 & 7) on insurance costs.
  • Consider registering and insuring the vehicle in your child’s name.  In Massachusetts parents are provided 100% insulation from lawsuits arising from bodily injury or property damage claims.
  • Take In Control’s Crash Prevention Course.  In addition to discounts, Crash Prevention Training has reduced accidents involving new drivers by up to 70%. Some companies will even pay some of the course’s cost. Call us for more information.
  • Take advantage of discount programs. Standard discounts programs still apply such as: anti-theft, low-mileage, and multi-car discounts however some companies offer an “away from school” discount which, if your young driver goes to school 100 + miles from home without the vehicle, a significant credit will apply.
  • We will shop around for you. We shop our clients with seven different insurance companies. Each company has different rating criteria. Rates can vary wildly from company to company. Have us shop around for your teen driver.

Give us a call, click or visit. We’ll find you the best rates and coverage available.

Thank you for insuring with Johnson & Rohan Insurance.

Google Reviews

Johnson & Rohan Insurance 25 Years of excellence

We would like to take a moment to thank you for your Google reviews.

As a small business, on-line Google reviews are very important to us.  If you appreciate our service please consider leaving us positive feedback. Click here to give Johnson & Rohan Insurance a review.

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Glen Minxolli
Glen Minxolli

a year ago
This was the best experience so far with an Insurance agency for me. Don was very helpful and knowledgeable. Got done… read more
Colleen
Colleen

a year ago
Everyone at Johnson & Rohan is so incredibly helpful, responsive, and friendly. My husband I have been very happy with… read more
Paul Reppucci
Paul Reppucci

a year ago
Customer Service does not take a back-seat with J&R. They are responsive, courteous and professional. Can not say… read more
Tanisha Lawrence
Tanisha Lawrence

a year ago
What can I say about Johnson & Rohan Insurance? Thank you to this superb group of men👍👏 My husband and I truly… read more
Kim Lord
Kim Lord

a year ago

These guys are the best! Talk about a professional, caring group of individuals. Always helpful and happy to go the… read more

 

Move Over Law

move over law

 

 

 

 

The move over law requires all drivers to move one lane over while approaching a vehicle on the side of the road. If you can’t move over one lane then you must drastically reduce your speed.

This applies not only to Police, Fire, and Ambulances and Tow trucks, but also to DOT workers, Utility workers, municipal workers, and disabled vehicles on the road.

There is no downside to keeping distance or reducing your speed while passing stopped vehicles on the roadside. When we don’t, people get hurt.

“Every year about 23 roadside workers and first responders (one every two weeks) lose their life at the roadside and hundreds more are injured while tending to disabled vehicles.”

“Despite being passed in all 50 states, 71 percent of Americans are unaware of Move Over laws that require drivers to reduce their speed and switch lanes to protect these workers.” (NHTSA)

AAA publishes each state’s move over law:

MASSACHUSETTS

Drivers traveling in the same direction and approaching a stationary emergency vehicle, highway maintenance vehicle, or tow or recovery vehicle with flashing lights must slow down to a safe speed and, if practicable, move to a non-adjacent lane.

 

Do I need umbrella coverage? (Yes!)

Do I need Umbrella coverage?

Personal liability umbrella policies help safeguard you against financial hardship in the event of a lawsuit.  They provide liability coverage that sits on top of your home and auto (and boat and second home if applicable).  Umbrellas are available in million dollar increments from $1,000,000 to up to $10,000,000.  Defense costs are also included- on top of the liability coverage and often the defense costs are higher than the damages awarded.  The costs are low and the coverage deep.  We believe the average family should have at least a $2,000,000 umbrella sitting over good auto and home liability limits.  Here are four situations where you should consider even higher limits:

Homeowners with pools

From 2005-2014, there were an average of 3,536 fatal, unintentional drownings (non-boating related) annually in the United States- about ten deaths per day. About one in five people who die from drowning are children, aged 14 and younger. For every child who dies from drowning, another five receive emergency department care for nonfatal submersion injuries.  More than 50% of drowning victims treated in emergency departments require hospitalization or transfer for further care.  These nonfatal drowning injuries can cause severe brain damage that may result in long-term disabilities such as memory problems, learning disabilities, and permanent loss of basic functioning (e.g. permanent vegetative state).

Dog owners

Dog bites are the single largest cause of liability loss to insurance companies.  Big dogs bite.  Little dogs bite.  In conclusion even the nicest of dogs can have a bad day- and the damage they do comes back to (ahem) bite it’s owners.

Parents of teenage drivers

The National Highway Transportation and Safety Administration reports that in 2015, 1,886 drivers aged 15-20 perished in auto accidents.  An additional 195,000 were injured in car crashes, so young drivers (ages 15-20) account for 5.4% of total drivers but for 9% of those drivers involved in fatal crashes.  An umbrella policy provides a serious layer of protection between you and all you have worked for.

Families with toys

Motorcycles, four-wheelers, snow mobiles, boats, jet skis- they sure are fun.  But accidents resulting from their use can often be extensive and end up with expensive bodily injury claims.  Again, use your umbrella to protect your home and family.

So if you are taking the time to read this and don’t have an umbrella policy, or you think your policy might have limits too low, give us a call to review.  (781) 224-0909.