Tag Archives: small 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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Commercial Auto VS Personal Auto

If  you own a small business you may have wondered, should your car be insured with a Commercial Auto or Personal Auto  Policy?

Insurance coverage can be confusing, for small businesses.  We are here to make sure there are no gaps in  your coverage.

If you say “Yes” it could mean “No.”commercial auto

If you own a business and answer yes to any of the following questions,  then personal auto insurance may not be enough.

  • Do your employees use their personal vehicles on business time?
  • Is your company vehicle the only vehicle you drive?
  • Do you have multiple drivers?
  • Do you use your personal auto to make deliveries?

Contact your local independent agent today to learn more.



It may interest you to know, our business automobile insurance program provides competitive, comprehensive auto coverage for:

  • Private Passenger Vehicles
  • Light to Heavy Trucks
  • Trailers with Service, Retail or Commercial Uses.
  • Read more here.




CCSF Spotlight: Pete’s Sweets

We would like to recognize a local shop that stands out. Pete’s Sweets, is located in East Longmeadow, Massachusetts.Pete's Sweets

Owner, Peter Gray opened the store 3 years ago.  His Motto is “Artistry in Every Bite.” True to his word, Pete’s Sweets serves up delicious, fresh treats.  Since his early school days Peter has enjoyed baking and candy making.  He continued his education at the New England Culinary Institute in Vermont.  Peter even competed on TLC’s “Next Great Baker.”  He continues to bring a sweet smile to all who visit his shop!

pete's sweets oreo Pete's sweets red velvet cupcake









Peter has a way with:

Wedding Cakes, Specialty Cakes, Cupcakes, Cookies, Chocolate Candies, and so much more!

Click here to visit Pete’s Sweets!!

Did you know? In addition to creating delicious custom treats, Pete’s Sweets offers Baking Classes, Birthday Parties, and Wine and Chocolate Classes! Book yours today!



Contact Pete’s Sweets

32 Shaker Road, East Longmeadow, MA 01028

Phone: 413.525.6062

Email: petes-sweets@hotmail.com

Visit their Facebook Page!

Business Contingency Planning

What is a business contingency plan? Do you have one for your business?

Another word for contingency is emergency, so a Business Contingency Plan refers to how you react to a disaster that affects your business operations.

The 3 Steps to Business Contingency planning are:

  1. Identify Potential Issuesbusiness contingency
    • Make a list of potential disasters, natural or otherwise.
    • Determine temporary back up facilities.
    • Make sure key business documents are saved and stored offsite. This can include cloud storage that can be accessed online.
  2. Develop An Action Plan
    • Create an evacuation plan.
    • Assign roles such as crisis manager.
  3. Make sure employees are well informed
    • Keep a list of employee emergency info offsite.
    • Have emergency drills


We thank Arbella Insurance for these tips.

Contact your local insurance agent for more tips for protecting your business.

Medical Records Data Breach

Is your medical office covered in the event of a data breach?

A data breach is loss, theft or even publication of personal information.

Medical offices are for healing and care.  Trust and confidentiality is a major part of the practice. Don’t let a medical records data breach put your patients at risk.  According to a the Verizon data Breach Investigations Report of 2013, “66% of data breaches investigated were not discovered for months or years after.”  We know your patients personal information is too precious to take this chance.

Data Breaches occur when information is lost or stolen.

Is your office at risk for a medical records data breach?

Ask yourself:

  • How secure are your medical records?
  • Are your computer “firewalls” up to date?
  • Do former employees have access to patient files?


Peggy data breach



Peggy Marshall is ready to speak with you about data breach coverage and tips  for securing your business.

Contact Information




Fall Hazards in the Workplace

fall hazardsDo you own a business? Are your employees at risk?

Slips, trips and falls are one of the most common accidents.  What can be done to protect your employees and customers?  OSHA has a lot of helpful tips about protecting your employees and clients from fall hazards, here are a few.

Prevent Trip or Fall Hazards by:

  • Implementing Daily cleaning and inspection procedures.
  • Cleaning up spills immediately.
  • Keeping designated walkways clear of cords and or boxes.
  • Making sure there is appropriate exterior and interior lighting.

Click here for more small business safety tips

A safe workplace is the best workplace.


Having the right insurance is also key for protecting your business from harm.

Employee Health

Are you a business owner? How can you protect your employees from health hazards? The CDC has a wide range of suggestions and employee health tips for the business owner.

Driver Health

According to the CDC there were 18,716 work related crash deaths from 2003-2012.  By making policies with driver safety in mind, this type of problem can be reduced.

See these helpful links for your employees:



Chase Stewart Clarke and Fontana Commercial Insurance, employee health

Construction Worker Wellness

Construction Jobs are known for hazards.  Help your employees by encouraging them and training them to use the right Personal Protective Equipment.  Simple planning can save you a lot of headaches.  Click the links below to access resources for your employees on the following topics.


Small Business Health

There may not be as many incidences related to office jobs but there are still common hazards.  The US Department of Labor has helpful information to keep your employees and yourself safe no matter what job you do.

Small Business Health tips click here




Happy safe employees lead to good business.

Snowplow Damage… Are you, the business owner, covered?

snowplowIn New England gold comes in another shade… white (snow).  Well, atleast for snowplow drivers!

Winter weather can mean big business for local small business.  When most of us are home riding out the snowstorm there are a few people that head out in the middle of the night to start plowing. Does your small business do any of the following;

Do you sand?

Do you shovel?

Do you roof rake?

Do you plow public roads?

Coverage for Snowplow Damage?

Does your small business snowplow in the winter? Let’s say you have a fleet of trucks that are all commercial vehicles.  Winter comes around and you, the owner, decide to start plowing.  Suppose one of your drivers hit a curb and damages the vehicle while plowing.  Are you covered?

In most cases, if you do not have the snowplow endorsement on your commercial policy then you may be stuck without a shovel.  Your Business Owners policy may exclude coverage for snowplows.



Contact your local insurance agent to make sure you have the right commercial coverage.

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!