Tag Archives: Business

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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Green Roof Technology

green roofHave you heard of this new trend,the green roof? I’m not talking about painting your roof green.  Many are using this technology for their buildings. Scroll down to learn more about this technology.

What is Green Roof Technology?

Basically the green roof method refers to growing a layer of vegetation on a rooftop.  Green roof can be as shallow as two in layer or multiple layers depending on the overall goal. They can be installed on industrial buildings and residences.  Many metro areas are adopting these methods into their building codes to reduce heat that builds up, and help the environment.

The Environmental Protection Agency also has more information.


Improve health and comfort: These roofs reduce the amount of heat that gets transferred during the summer months especially during heat waves.

Reduce Energy:  Green roofs act as insulators for buildings, reducing the amount of energy needed to heat and cool the building.  Keeping the Building cooler in the summer and warmer in the winter.

More Benefits and Tips for Green Roofing


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



Western Mass Business Expo 2014

Did you enjoy the Western Mass Business Expo 2014?

We really enjoyed ourselves at the  Western Mass Business Expo 2014 at the Massmutual Center here in Springfield, Massachusetts.  Business Expo 2014 was a great day for celebrating business and getting to know each other.  Thank you to Business West, Johnson and Hill Staffing, DIF Design, HNE, MassMutal Center and Northwestern Mutual.

The breakfast with Governor Deval Patrick and the educational seminars throughout the day were a real treat…

Western Mass Business Expowmbexpo 2014


Thank you to all of the Sponsors and Speakers!!  We really enjoyed meeting with all of you and seeing some familiar faces.  See you next year!

Chase, Clarke, Stewart & Fontana Insurance unveils new website

Chase, Clarke, Stewart & Fontana Insurance Agency is proud to unveil our new website www.chaseins.com.  This Mobile friendly site gives you access to information to help you make the best decision, any time day or night.  You can report a claim, request a free quote, or even enter an inquiry all with just the touch of a button.

What do you think of our new website?

Chase, Clarke, Stewart & Fontana Insurance Agency is an independent full service insurance agency that has earned a place of distinction and integrity within the Western Massachusetts community since 1827.  For over 180 years we have served our valued clients, in the Western Mass area.

We are a business built on Service and Integrity.  We believe that quality work and honesty with our  clients has been the key to our success.  Customer satisfaction is most important to us, and each person in the agency works hard to accomplish this.  Let us show you why we have been able to serve our clients for so long.  Chase, Clarke, Stewart & Fontana Insurance agency provides:

  • Personal Auto Insurance
  • Homeowners Insurance
  • Commercial Auto Insurance
  • Business Owners Insurance
  • Cyber Liability Insurance
  • Financial Services
  • and much more…

To learn more about Chase, Clarke, Stewart & Fontana Insurance Agency please visit our profile page.