We wake up this morning full of gratitude. Last night we had the honor of winning the 2019 Best of the Seacoast award for Best Insurance Agency.
We couldn’t have dreamed of this without the support of so many.
Our fantastic customers who allow us to service their insurance needs. We are so grateful for the trust you put in us.
Our exceptional team who really treat our customers as they’d like to be treated themselves.
Our amazing friends who voted, shared, and cheered us on.
Our ever-supportive networking partners. We have so many in our lives who understand that a rising tide really does raise all boats.
Our community in which we are grateful to serve every day.
And of course, our family- those we love and cherish more than words can express.
We understand that this now sets an even higher bar of expectations from all with whom we come into contact. We are ready and up for the challenge and so grateful for the opportunity to continue to serve.
So many of our friends and associates have are finding great success in network marketing companies (MLM companies). They are selling jewelry, makeup, health/wellness products and many more great things. For some this is a side-hustle, others are running this like a full time business. But most don’t consider the risk associated.
Some examples include, but certainly are not limited to:
A business client is injured slipping on your front porch
Your computer is destroyed by a power surge during a lightning storm
Customers’ checks are stolen from your home
A customer breaks inventory or is injured while you’re exhibiting at a small trade show
Many times, our clients think that there is automatic coverage from their homeowner’s policy for their small home based business / consulting business, however many policies may actually exclude any business pursuits out of the home. However, some companies do offer an additional endorsement that can be added to the policy to cover your home based business personal property such as furnishings, supplies and equipment that are used for the business.
What about liability claims? Under a typical homeowner’s policy, a claim resulting from any of these common scenarios could easily be denied. Keep in mind, most homeowners and renters policies do not cover liability or damage to property from business activities.
So now what? Ask your agent. See what your homeowner’s policy covers. Learn if there is an endorsement (a change) that can be done to your policy to help provide you better protection. Finally, learn what a business policy may cover and if it would be right for you. They aren’t necessarily inexpensive, but for some, it may be worth the peace of mind.
Some of these decision can be complex. Best way to navigate these waters is to work with a licensed independent insurance agent who can educate you on your options and help you obtain the best coverages at the right price. If you’d like to know more about insurance for your business, we’d be happy to help. Feel free to reach us at www.keslarinsurance.com or 603-273-0953.
Considering that cyberattacks occur every day and cost the global economy a staggering $350 billion plus worldwide*, you would think strategizing to avoid such assaults would be a top priority of all businesses. Incredibly, it is not. In fact, according to a recent survey of 1,377 small and midsize company CEOs** 62% said their firms don’t have an up-to-date or active cybersecurity strategy…or any strategy at all.
That’s a significant problem, given the crippling damage that can occur – the National Cyber Security Alliance recently reported that 60% of small and midsized businesses that get hacked are out of business within six months.
If you’re running a small or midsize business (SMB) you are, plain and simple, at high risk. In fact, the majority of all cyberattacks happen to SMBs. Why? because SMBs tend to:
Lack sufficient security measures and trained personnel
Hold data that’s valuable to hackers (e.g., credit card numbers, protected health information)
Neglect to use an offsite source or third-party service to back up their files or data, making them vulnerable to ransomware
Connect to the supply chain of a larger company, and can be leveraged to break in
In 2013, hackers were able to breach Target via a link in their supply chain: a small HVAC company based in Sharpsburg, Pennsylvania. This single event is in large part why so many SMBs are beginning to receive Information Security Questionnaires from their clients today. This is an effort by your clients to ascertain the strength of your information security program and mitigate risk.
SMBs also are prime targets for ransomware, which encrypts company data until a ransom is paid. Why? Unlike many large companies, SMBs often neglect to use an offsite source or third-party service to back up their files or data. In the event of an attack, they almost always need to pay the ransom to decrypt their files.
In addition, the use of social engineering for the propagation of malware is a persistent issue. The success rates and frequency of these types of attacks continues to grow. Social engineering and impostor detection should be included in any comprehensive user awareness training package. It also is important to realize that as great as security awareness training is, it can’t be used in isolation. Even with the best training in the world, your organization will succumb to social engineering tactics if you don’t stem the flow of incoming attacks.
Sensible security measures include controls such as a sophisticated spam filter, which should prevent the majority of simple phishing emails from finding their way into your users’ inboxes. Other measures might include email and attachment scanning, segmented network architecture, and an endpoint security system.
Consider the following steps to start building a cybersecurity strategy that keeps hackers out of your business.
1. Select an information security standard
Before a fortress can be built, the structure must be laid out in blueprints by an architect. You need a detailed plan to properly build your security program. ISO 27001 is an ideal choice due to its flexible, pragmatic approach and global recognition and acceptance.
2. Inventory your assets, determine their value and prioritize those most critical.
Identify the key assets in your company, whether those are databases, customer data, employee records, or intellectual property and determine their value and who is responsible for them.
3. Determine your company’s current cybersecurity risk surface.
Perform a comprehensive risk assessment of the assets to understand the threats, vulnerabilities, likelihood of occurrence and impact if the threats were realized. Work to reduce the risk to a level the organization is comfortable with.
Here are some other best-practice considerations:
Remain vigilant; keep up to date on the evolving nature of threats, join a threat-sharing organization (like Infragard)
Patch your systems: many recent attacks took advantage of vulnerabilities for which a CVE had already been published
Reduce your attack surface: harden the infrastructure, remove unneeded services and programs, close unused or risky ports
Employ strong antivirus, email and web filtering
Limit administrative rights
Segment the network to limit propagation
Educate and train your employees; regularly test their awareness
The best defense is a good offense. Make it a priority to protect your data for the benefit of your employees, your customers and the long-term health of your business.
*According to the National Center for the Middle Market (NCMM) at The Ohio State University Fisher College of Business.**Cisco and the National Center for the Middle Market.
April 2018– We are happy to announce that we now offer business insurance solutions from The Hartford. “The Hartford is a very reputable brand with solid products to suit many of our customer’s needs. With their Business Owner’s Policies, Worker’s Compensation, Commercial Auto, Commercial Property and General Liability Insurance offerings, we are now even better able to find the best fit for our broad client base,” said David Keslar, President of Keslar Insurance.
About The Hartford: For more than 200 years, The Hartford has helped people prepare for the unexpected, protect what is important to them and prevail through life’s challenges and opportunities. The company’s success comes from their commitment to doing the right thing, while adapting and reinventing to remain relevant and indispensable to our customers. www.thehartford.com
Interested in learning more about The Hartford’s commercial offerings or discussing other business insurance coverages? Please contact us. We offer a large number of solutions for general liability, Business owner’s policy (BOP), commercial auto, worker’s compensation and more. We have partnered with many leading commercial insurance carriers to make sure we can offer the right products at the right prices. We’d love to help you! We also offer home, auto and life insurance to provide one stop service of all your insurance needs. www.keslarinsurance.com or 603-273-0953.
Keslar Insurance Agency is pleased to announce that Brendan Jorgensen is now a licensed property and casualty agent in NH and ME. He is now able to fully support home, auto and business insurance.
“We are excited to see Brendan move to this next level in his career with us. We are confident that he will provide exceptional service throughout the relationship with our customers.” said Lisa Keslar of Keslar Insurance.
Brendan is a resident of Newmarket, where he and his wife are raising their two children. He’s very active in the community including working with the Newmarket Business Association and the BeFree Community Church.
Keslar Insurance Agency is a full service provider of residential and commercial insurance products in New Hampshire and Maine. Keslar Insurance makes sure clients have the right insurance products to protect the most important things in life-family, possessions and business. Keslar Insurance employees focus on providing the kind of service and value we’d expect for ourselves and our families. Our products which include Homeowners insurance, Auto, Life, Umbrella, Renters, Landlord, Boat, Snowmobile, ATV, Flood, Commercial Auto, Business Owner’s Policies, General Liability, Worker’s compensation, motor home, camper and more. For more information visit: www.keslarinsurance.com.
Cyber-attacks are a real threat to most small businesses.
Many businesses think- “I don’t keep my customers personal data, so I’m not at risk of a cyber attack.”. That isn’t completely true. If you do collect any personal information for any reason, including employee data or prospect information or more you may be at risk. Many assume that because they are using a third party software product that they aren’t responsible. This also isn’t true. Anytime you collect any type of personal information, you could be putting yourself at risk.
Cyber attacks aren’t always done by someone in a foreign country looking for information from big stores. More than 50% of attacks are on small businesses.
This happens a wide variety of ways. For instance, did you know email is the most popular method to get data? They often use legitimate login information. One common ploy is that someone will pretend to be your “support” personnel and ask unsuspecting employees to give login information. Another common problem is when laptops are lost or hacked. Another common situation is when an employee is working remotely using public wifi. Furthermore, the “bad guys” are still finding success with phishing schemes. Some claims have come from instances where a disgruntled rogue employee steals names, addresses, social security numbers and other personal information from customer files.
Some other real world examples include:
A manufacturer nearly transferred $315,000 to China based solely on an email request to pay for raw materials that appeared to be legitimate.
A man sent an email to his ex-girlfriend hoping to monitor what she did on her computer. She opened the email on her work computer, and over the course of two weeks, the spyware emailed the man more than 1,000 screenshots of confidential data on 150 customers.
If any of these things happen to you, finding and remedying the issue can be very costly and slow. There are very specific steps you likely have to take. For instance, at least 47 States require notification of breach to customers. This has to happen a certain way and at an expense to your organization. Furthermore, if you have a breach or loss, everything stops in your business until you address the situation. This may require forensic experts, steep legal fees and more. The expense of resolving this can be in the hundreds of thousands of dollars or more.
How do you minimize these risks? Your traditional business insurance doesn’t typically cover this type of situation. Fortunately, there are now additional insurance solutions available to help not only cover the cost of paying to notify all clients, hiring forensic experts, data restoration expenses and other required legal steps, but the insurance companies often have a team of experts to help you address the required steps and get your business running again even more quickly. Check with your insurance agent to see where your most likely risk are and what products can best protect you in the event of a cyber-attack.
Have more questions on Cyber risk? Need help with commercial insurance? We’d love to help. We can be reached at www.keslarinsurance.com or 603-273-0953. Keslar Insurance Agency is an independent insurance agency offering business, home, auto and life insurance in NH and in ME.
We are happy to announce that Keslar Insurance Agency continues to broaden our offerings to our commercial insurance clients! Now offering Liberty Mutual Commercial insurance products to our portfolio.
About Liberty Mutual: Your insurance needs are as unique as your business. Whether you’re in manufacturing, hospitality, retail, or any other industry, Liberty Mutual have the right solutions to help protect your business. From startups to family-owned businesses and Fortune 500 corporations, Liberty Mutual’s coverages can help protect your people, property, and reputation no matter your size. Over the past 100 years, Liberty Mutual Insurance has been committed to helping people preserve and protect what they earn, build, own and cherish.
If you are interested in learning more about Liberty Mutual Commercial offerings or discussing other business insurance coverages please contact us. We offer a large number of solutions for general liability, Business owner’s policy (BOP), commercial auto, worker’s compensation and more. We have partnered with the leading providers of insurance in the area. We’d love to help you! www.keslarinsurance.com or 603-273-0953.
We are happy to announce that Keslar Insurance Agency continues to broaden our offerings to our commercial insurance clients! Now offering Traveler’s Commercial insurance products to our portfolio.
Risk is a common factor in everyday business. That’s why Travelers offers a wide range of business insurance options to help mitigate risk and protect your company.
Property Insurance: Provides coverage for buildings, business personal property, and even loss of business income and extra expense.
Commercial General Liability Insurance: Covers damages and provides defense against lawsuits for many common types of business liabilities.
Workers Compensation Insurance: Help you protect your most valuable asset – your employees– with workers compensation coverage, and risk control guidance, that can keep your business running smoothly.
Whether you have a small, mid-sized, large or even highly specialized business, Travelers’ dedicated underwriting, claims and risk control services can match your unique coverage and compliance needs.
If you are interested in learning more about Travelers Commercial offerings or discussing other business insurance coverages please contact us. We’d love to help you! www.keslarinsurance.com or 603-273-0953.
Like other business owners, owners of cleaning services face risks that can be mitigated with insurance policies.
Common types of incidents include:
art gets knocked off a shelf when dusting
your cleaning equipment stolen or damaged
an employee gets injured during work
your vehicle gets in an accident while you are working
These things do happen. When they do, you want to make sure you have adequate protection to make yourself whole again. Here are the types of insurance you need to keep you, your employees and your related assets protected:
General liability insurance is a key component of needed insurance. It could protect against lawsuits and other financial liabilities from accidents or other mishaps that you may cause. Property insurance protects your business property if it is lost or damaged due to things like fire, theft, vandalism or windstorms. These two insurances are often bundled together into one product called a business owner’s policy or BOP.
Worker’s compensation insurance: if you have employees, you need this to cover the medical costs and portion of lost wages if your employee becomes ill or injured during work. This a requirement in most states. An example of a time when worker’s compensation insurance may be used is when an employee slips on a wet floor during work and requires physical therapy and lost replacement wages.
Commercial auto: if you have a vehicle used for work, especially if it has your business information on the vehicle, it may likely have to be insured as a commercial vehicle. This covers the vehicle when it is involved in an accident. If you don’t have this insured correctly, any potential claims may not be covered.
Umbrella policy: this is an optional additional liability insurance product that will help cover you if you are in a lawsuit that costs more than your current policy or policies will cover. Ask your agent for details.
For more information regarding insurance coverages for cleaning services, contact us today at www.keslarinsurance.com or 603-273-0953.