Understanding Renter's Insurance Plans Understanding Renter's Insurance Plans

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Understanding Renter's Insurance Plans

Hi everyone, my name is James Lewis. Welcome to my website about renter’s insurance plans. When I was renting an apartment years ago, I came home to find the place absolutely soaked with water. Turns out, the neighbor upstairs had an incident with the water heater that was not discovered for hours. Unfortunately, at that time, I did not think to acquire renter’s insurance to cover the damage. Since then, I have explored renter’s insurance options in great detail. I want to share that information on this site to help others understand the important of this type of insurance coverage. Thanks for visiting my site.


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Is Your Business Protected? Why You Need To Add Cyber Liability Coverage To Your Policy

If you're an architect, you probably know that you need professional liability insurance. This type of insurance helps to protect you against negligence and malpractice claims that involve your professional practices. But, standard professional liability insurance may not provide you with all the protection you need. That's where cyber liability insurance comes into the picture. For maximum protection, you need to include professional cyber liability protection to your insurance bundle. Here are four crucial ways professional cyber liability insurance will protect your professional standing. 


When you own an architectural company, you need to be concerned about privacy laws. Just about every state in the US has privacy laws designed to protect individual personally identifiable information — or PII. When you're an architect, you deal with a lot of personally identifiable information. If any of that information is leaked, either through a cyber attack or employee error, you're legally responsible for that breach. Professional cyber liability insurance is designed to provide liability protection should a privacy breach occur. 

Customer Data

In addition to the personally identifiable information, your computer files also contain other valuable customer data. Some of that data includes shipping logs, order requests, and design blueprints. If the data were to fall into the wrong hands, your architectural business could be destroyed. Not to mention the damage it would do to your clients. If your computer files are breached, and customer data is compromised, you could face legal claims. That's where professional cyber liability insurance comes into the picture. Your cyber liability insurance will provide coverage for claims arising from customer data breaches. 

Company Files

If you're an architect, you can't afford to lose access to your company files. But, that can happen if cyber hackers gain control of your computer system. Unfortunately, once hackers have control of your files, they can hold them for ransom. That means your files won't be released until you pay large sums of money. One way to protect against this risk is to invest in professional cyber liability insurance. With professional cyber liability insurance, you won't need to worry about the cost of recovery. Your cyber liability insurance policy will cover the costs. 


When you're an architect, you work hard to build your reputation in the industry. If your reputation is damaged, you risk losing clients and your company. Unfortunately, cyberattacks can destroy your professional reputation. Once that happens, you need to throw everything you have into rebuilding your reputation, which may require professional assistance. If you have professional cyber liability insurance, you can get the help you need to rebuild your reputation.

For more information about other types of commercial insurance, reach out to a company like United Counties Insurance Group.