Our Blog - Connie Phillips Insurance

2025: Why Cyber Insurance

Cybersecurity in 2025: You need Cyber Security Liability Insurance As cyber threats evolve in complexity and frequency, the need for robust cyber insurance has never been more pressing. Drawing insights from two recent publications—Cyber Insurance Journal https://www.insurancejournal.com/cyber/and Travelers’ 2025 Q1 Cyber Threat Report https://investor.travelers.com/newsroom/press-releases/news-details/2025/Travelers-Publishes-Cyber-Threat-Report-Highlighting-an-Increase-in-Ransomware-Activity/default.aspx —this blog explores the intersection of rising cyber risks and […]

Preparing for Hurricane Season: Why Insurance Matters More Than Ever

As hurricane season approaches, homeowners and business owners along coastal and storm-prone areas are reminded of the unpredictable and often devastating impact these natural disasters can bring. While stocking up on supplies and reviewing evacuation routes are essential parts of hurricane prep, one of the most critical—but often overlooked—steps is reviewing and updating your insurance […]

Protect your Condo/HOA association with proper Certificates of Insurance

DID YOU KNOW THAT MOST DIRECTORS AND OFFICERS LIABILITY POLICIES REQUIRE YOU TO DO THE FOLLOWING? Maintain updated certificates of any hired contractor for General Liability and Workers Compensation insurance. General Liability insurance – recommended limit of $1,000,000. Have a signed contract with all contractors that will include a hold harmless clause (sample below) that […]

Calling All Farmers; Spring Is Here!

Farm insurance is especially important as we approach spring as the season brings a mix of opportunities and risks for farmers. Here’s why: Weather-Related Risks Spring is known for unpredictable weather—late frosts, heavy rains, flooding, and even tornadoes. Crop and livestock insurance can help protect against these risks. Planting Season Coverage Spring is the start […]

The Basics of Cyber Safety

Everyone is online these days. Even if your business isn’t a digital enterprise, odds are you have a website, email address, and probably social media. Just as your physical presence requires a safety strategy to minimize risk, your digital presence needs a set of guidelines to reduce the chances of web-based dangers. Starting your cyber […]

Do you need contractors Errors and Omission Coverage?

Contractors need professional liability insurance (also known as Errors and Omissions Insurance) to protect themselves from claims related to mistakes, negligence, or incomplete work in their professional services. This type of insurance can be crucial for several reasons and may be relatively inexpensive to add to your General Liability Policy: Mistakes and Oversights: Even the […]

Insurance Carriers Tighten Roof Guidelines

What Homeowners Need to Know In recent years, insurance carriers have been tightening their roof guidelines, making it more challenging for homeowners to get coverage for roof-related claims. This shift is driven by a combination of factors, including increased storm damage, rising repair costs, and fraudulent claims. Why the Change? The primary reason for the […]

Be Prepared for the Winter Blast – Winter-Proofing Your Home

When the mercury dips and the cold weather sets in, our homes become our sanctuaries against the chill. However, to ensure your house remains a warm and safe refuge, some preparations are necessary. Here’s a rundown of essential tasks and items to winter-proof your home. Seal Gaps and Cracks One of the primary culprits of […]

CORPORATE TRANSPARENCY ACT (CTA)

CORPORATE TRANSPARENCY ACT (CTA) –Deadline of 1-1-25 is fast approaching! The purpose is to detect and combat money laundering and terrorist finance along with tracking the money. It is meant to safeguard our national security and US Financial System. The Act came into effect in January 2024 and businesses are expected to file a Beneficial […]

Maryland Health and Medicare Open Enrollment for 2024

Maryland Health and Medicare Open Enrollment for 2024: What You Need to Know. As the leaves change and the year draws to a close, it’s time to think about your health coverage for the upcoming year. Open Enrollment for 2024 is just around the corner, and it’s crucial to be prepared. Here’s everything you need […]