Today, most insurers won't offer cyber insurance to clients who have not implemented multi-factor authentication (MFA) in their information technology (IT) systems. Without MFA, bad actors with stolen passwords and user names can easily impersonate your employees and illegally access your network. What Is User Authentication? Authentication is a Read More

Why Cyber Insurance Now Requires Multi-Factor Authentication

Earthquake Series Part 1: Are You Ready for a Big Earthquake?
Earthquakes are unpredictable. However, being prepared for one can save you from significant loss of life and property. Here are a few ways in which you can protect yourself and your family from potential injuries in the event of an earthquake. 1. Strengthen Your Building Ensure your home and any building that you use are safe during earthquakes Read More

5 Common Mistakes That Can Ruin Your Life Insurance Policy
The right life insurance policy will not only give you peace of mind throughout your lifetime but also ensure that your dependents can meet their financial obligations in your absence. Before settling on a life insurance policy, you want to evaluate it and see whether it covers all your needs. This is because even a slight mistake can end up Read More

Multi-factor Authentication for Cyber Insurance: What You Need to Know
The right cyber insurance policy can protect your business from financial losses associated with cyberattacks. Per the Insurance Information Institute (III), a standard cyber security policy covers the costs required for system recovery, notification, liability, regulatory fines, and legal expenses, among others. It's worth noting that insurers Read More

Understanding the Basics of Identity Theft
The U.S. Department of Justice defines identity theft as a criminal offense that involves someone wrongfully obtaining and using someone else's data for monetary gain through fraudulent and deceptive means. Criminals typically steal data through ways such as shoulder surfing, retrieving discarded documents, and phishing. In 2020 alone, Americans Read More

5 Effective Ways to Reduce Healthcare Cost
Despite the ever-rising healthcare costs, good physical and mental health isn't an option anyone could do without. Fortunately, there are ways to reduce your hospital bills and out-of-pocket medical expenses when you're taken ill or injured. Take a look at these cost-saving measures that you can adopt and still access the care you need. 1. Reduce Read More

How the Rising Construction Costs Will Affect Home Insurance Rates
For the most part, the cost of construction directly corresponds to homeowners insurance rates. The pandemic wrought by COVID-19 has led to a massive rise in construction costs. With the soaring costs, homeowners may be forced to pay more for insurance coverage. Analysis of Constructions Costs The restrictions and supply chain disruptions that Read More

Will My Health Insurance Policy Cover Me in Another State?
When traveling across state lines, you've probably wondered, "Will my health insurance work in another state?" The answer to that question is insurance plans cover emergency care at any U.S. hospital, regardless of your policy's coverage area (the only exception is Hawaii). Therefore, your health insurance will provide you with coverage in any Read More