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Cyber Liability Insurance: Are you Covered in the Event of a Cyber Attack?

What do Kmart, American Express, Target, Home Depot, and eBay, have in common? They are all part of massive data breaches where hackers stole and exposed customer records for monetary gain. The frequency of these cyber-attacks has increased year over year which has put Cyber Liability Insurance in the spotlight.

Odds are that if you’re reading this post, you most likely have a LinkedIn account. In May of this year, hackers stole 167 million (yes, you read that right) accounts from the social media giant. This left Cory Scott, LinkedIn’s Chief Information Security Officer, with a logistical nightmare trying to sort out the mess.

In addition to LinkedIn, Target was unfortunately struck by a similar breach. 40 million credit cards were compromised and 70 million accounts were hacked.


Yes these are global brands, but small businesses also see breaches on a consistent basis — really any company that relies upon technology is vulnerable to an attack.

If your business is hacked, having Cyber Liability Insurance can greatly help you through this tough time. In this post, we’ll quickly explain the scope of a cyber policy and how it can help you in the event of a hack.

What Cyber Liability Insurance Covers

Cyber Liability Insurance is a combination of four components:

  • Errors and Omissions
  • Media Liability
  • Network Security
  • Privacy

Errors and Omissions: E&O covers claims arising from errors in the performance of your services. This can include technology services, like software and consulting, or more traditional professional services like lawyers, doctors, architects, and engineers.

Media Liability: These are advertising injury claims such as infringement of intellectual property, copyright/trademark infringement and libel and slander. Coverage here can extend to offline content as well.

Network Security: A failure of network security can lead to many different exposures, including a consumer data breach, destruction of data, virus transmission and cyber extortion. Network security coverage can also apply if you’re holding trade secrets or patent applications for a client, and that information is exposed due to a failure of your security.

Privacy: Privacy doesn’t have to involve a network security failure. It can be a breach of physical records, such as files tossed in a dumpster, or human errors such as a lost laptop, or sending a file full of customer account information to the wrong email address. Companies have also faced liability from returning a photocopier with a hard drive that contained customer tax records.

As the holiday season approaches and online sales increase, we at Chase Clarke Stewart & Fontana, recommend that businesses, large and small, make sure they know if they’re covered in the event of a hack. Fill out the form or give us a call at 1.413.788.4531 to talk to a friendly representative.

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Are you at risk for carbon monoxide poisoning, on a boat?

You may be thinking, how is it possible to suffer from Carbon Monoxide poisoning  while on a boat? It happens more often than you might think.  Any time you have gasoline and improper ventilation, you can be in danger of carbon monoxide poisoning.

How can you protect passengers and yourself from the effects of carbon monoxide poisoning?

When docked near other boats.carbon monoxide poisoning

  • Be aware, boats that are running and docked less than 20 feet away can send CO into your boat.  Keep vents clear to reduce CO build up.

When cruising.

  • Avoid swimming near the engine exhaust.
  • Keep the cabin clean and avoid storing items near exhaust outlets.

It is recommended to equip your vessel with a CO detector.


The CDC has a lot to say on this topic.

More boat safety tips

Recognize the symptoms of CO poisoning.


Is there insurance coverage for solar panels?

Solar, solar, everywhere!

Solar energy is one renewable energy that has become a hot topic among homeowners. (Pardon the pun.)

That being said, the question is, how are they insured?

Is there insurance coverage for solar panels?  Who is responsible for insuring them?

If you ownsolar panels

As of now, there is no specific insurance policy for solar panels.  If you own solar panels that are on your residence or property you would have coverage through your homeowners policy.  It’s key that you notify your local agency and update your policy as soon as you have them or better yet before you buy, or you may not have the necessary coverage.  Call us for more information.

If you lease

When leasing solar panels, usually the company you lease from is responsible for insuring them.  Be sure to have a clear understanding of your contract.  Also be aware that if you sell your home while still in a lease, the solar company could have a say in who buys your home.  Be careful whenever you have a contract.  Call you local insurance agent for more information.

For more fun facts about solar click here…

We are here to help with further question you may have.

Stolen Wheels… Are you covered?

stolen wheelsRipped from the headlines:  It appears we have a wheel thief!

Local western Massachusetts residents have reported wheels being stolen off their cars.  If this happens to you… Are you covered? In short, yes usually a comprehensive auto policy would provide coverage for stolen wheels.  Claims are individually evaluated by a company assessor.

 It is important to remember that reimbursement for stolen wheels would be based on:

  • Your policy deductible.
  • Age of the tires.
  • Mileage of the tires.

Check with your local agent to make sure there are no gaps in your policy.

We hope this does not happen to you.  It is recommended that you protect your investment by means of a garage or other anti theft measures.


Electric Cars

Electric cars are becoming very popular.  Are you considering switching to an electric or hybrid car?

electric carsWhat should you know about electric cars?

  •  Great for people with short commutes to work.
  • As technology improves the cost for these eco-friendly vehicles are dropping. Some even cost $10,000.00
  • Many times government incentives are available to electric car drivers. Learn more here
  • These vehicles allow for some gasoline to be used for longer road trips, while still reducing the amount of gasoline consumed overall. How does it work?
  • Many insurance companies offer discounts to electric or hybrid drivers.

We hope this information is helpful. Safe driving, friends…

Rideshare- Are You Covered?

Imagine the next time you go to call a cab… you have the option to pick the kind of car, the cost, and you get to pay with your phone, so no more scrambling for cash!  If that sounds good, don’t worry it’s now possible.  With companies like Uber, Zipcar and other rideshare companies.  But with all of this excitement, the question arises… Are you covered?


Uber and Rideshare Coverage??rideshare

As an Uber passenger, if I get injured in an accident, am I covered by my auto policy for damage?

– The auto owner’s policy must pay limits before your policy will respond.

As an Uber driver would my auto be covered by my personal auto policy?

– No, due to the fact that Taxis and Limo services are under a separate program.



I am a Zipcar driver and get into an accident, would my personal auto policy cover damages?

-If you use a different car each time, your auto policy would follow you.  If you use the same one regularly, an endorsement for that auto can be added.

*Coverage by your auto policy would be limited to the US and US territories.

Read More Here

For additional information and information on other rideshare companies please contact your local agency.

Data Breach- Small Business

Are you concerned about a Data Breach? Why should you be concerned?

Every Business needs to have a plan in place.  Even if you are certain that you have minimized the risk Data Breach can happen.

Seems like every day there is a new story about how a big business was “hacked.”  A computer “hack” is only one of the ways that a Data Breach can happen.  Every Business is at risk

The  Federal Trade Commission would agree, protecting personal information is very important.

We hope you find the links below, helpful in protecting your business.

Click here for a PDF: Guide to Protect Your Business

Tips on Identity Theft

As a business owner, you you work hard to protect your property, right? Does your building have fire sprinklers and extinguishers?  Do you also have business insurance, just incase?  In a similar way people tend to have a “firewall” on their computer and a shredding system, to protect private information.  Cyber insurance helps you protect your business from stolen information same way business insurance does against  fire damage or theft.

data breach

We would be happy to answer any further questions you may have about data breach, at no obligation.  Call Peggy anytime…



Cyber Brochures for Download, from some of the Companies We Represent:

Hartford Small Business Tips

Hartford Medical Tips



Data Privacy Day 2015

Did you know that today is actually ‘Data Privacy Day’?

Mark today, January 28, 2015 on your calendars, as Data Privacy Day!  Something to think about on this day… Are you protecting your personal or business information? Take a minute on this Data Privacy Day and make sure you are data-safe.

Cyber Security Tips

  • Do not give out private information.cyber security; data privacy day
  • Check your monthly statements for irregularities no matter how small.
  • Be aware of email scams.  When in doubt throw it out.  Banks and other financial institutions will not ask for certain information through email.  Contact your bank before replying to questionable emails.
  • Make sure your mobile, personal or work, phone is using the lock screen function.  So much information is on our smartphone…we can’t afford not to protect it.

When was the last time you changed your password?

The most common passwords are;

  1. 12345
  2. Password

Please don’t use these.  Set strong passwords.



Happy Data Privacy Day!

You have an Electric Bicycle… Are you covered?

Do you have an electric bicycle? Is it is covered by your Homeowners or Auto policy?

electric bicycle coverage

Safety First…

Then Listen Up…  Short answer is No.  Unfortunately, the electric bicycle falls into a class of its’ own.  These bikes have a motor and need a registration.  They would not have the same coverage options as a standard bicycle.  Certain carriers have made an endorsement for these, but they require you to have a Motorcycle policy.

This is similar to mopeds as well.  Now is the time to make sure you don’t have gaps in your coverage.

Ask your local agent today…


For More FAQ’s Click Here

Online Safety in the Workplace

Online Safety, why should you teach your employees about it?

Online safety is very important. So important that October has is being called Cyber Security Awareness Month. Why?  We spend a lot of time online.  

online safetyFor example, when was the last time you used a phone book?  Most of the time, it’s just easier to “google it.”  This is also true when paying bills or shopping, most of that is now done online.  This is great, but also creates new threats.  Keeping your information safe is especially important at work.


Online Safety Tips from Homeland Security… for the workplace.

  • Knowledge is power- Teach your employees to be cyber smart.  Set up office rules on passwords and dealing with client information.
  • Keep office computers up to date with security software.
  • Firewalls are your business best friend.
  • Back up information using a cloud or other means.
  • Read More

Protect your business from cyber security threats.  Talk to your employees on a regular basis about online safety.


 Protect your business from further problems with cyber liability coverage.

As your local agent today.  Have a safe October.

Read more about cyber security here.