Courtesy of iii.org There’s a road in my town that’s widely regarded as a speed trap. We all know drivers who say they were unfairly stopped and ticketed on it. I’ve never been and, come to think of it, neither has anyone I talk to about it. Maybe it’s because we live in town and “everyone knows” about the trap. Cyber is a relatively new, evolving risk. Insurers manage their exposures, in part, by setting coverage limits and excluding events they don’t want to insure. Sure, people get ticketed. The road is straight and wide, and I guess some feel they should be able to drive faster than the clearly posted speed limit. Or maybe they think the “real” limit is somewhat north of the number posted. Is that really a “speed trap”? I think of this road when I hear people say they don’t buy cyber insurance because “everyone knows” cyber claims don’t get paid. Poster child for “cyber” denial The example on everyone’s lips when this topic comes up is Mondelez International, the …
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Sheltering at Home with Pets
Courtesy of iii.org Most Americans are under stay-a-home orders at this stage of the coronavirus pandemic, and stress is running high for myriad reasons. The pandemic has affected pets too. “Dogs that are used to kids being at school and adults at work are now finding themselves surrounded by their families 24/7,” according to Victoria Stilwell, CEO of Positively.com and the Victoria Stilwell Academy of Dog Training and Behavior. “Most welcome the company, but some dogs are having a hard time adjusting to the constant noise, attention and lack of space,” said Stilwell. In some cases, dogs will exhibit anxious, aggressive, or destructive behaviors. The National Dog Bite Prevention Week Coalition offers the following tips to help you and your pets cope while sheltering at home: Create a den-like space or “safe zone” in your home that is a “dog only” zone. This can be a crate where the door always remains open or a quiet location your dog can go to when it needs some …
Car Insurance-8 Questions
Courtesy of iii.org Make sure your car coverage reflects your needs and budget The vehicle you own, your personal priorities and your budget all factor into your unique auto insurance needs. Before comparing policies and insurers, evaluate how you use your car and what risks you face to figure out what options make the best sense for you. 1. How much do you drive? Do you absolutely need your car every day—for instance, to commute to work or drive the kids to school and activities? Do you drive 100 miles a month or closer to 1,000 or more? Make sure your policy reflects how much you use your car. If you don’t drive a lot, you may want to opt for mileage-based insurance. 2. Will you be using your car for work? If you use your car not just to get to work, but to perform tasks for which you get paid, commercial auto insurance is a necessity. A personal auto policy will not provide coverage if you transport paying passengers through a ride-share service, deliver pizzas, drive as a …