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Gratitude: We couldn’t have done this without you. Best of the Seacoast 2019

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Best of the Seacoast 2019 Best Insurance Agency

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.

IMG_20190822_204748We 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.

Sincerely,

Lisa & David Keslar

 

Ethan Keslar Interns at Keslar Insurance

ethan 2Newmarket, NH, December 27, 2018- Keslar Insurance Agency, a leading provider of insurance solutions in NH and ME, announced that Ethan Keslar will be interning for the month of January. Ethan currently attends the University of New Hampshire ‘s Paul College, where he is studying business administration with a focus in entrepreneurship and management. Prior to working at Keslar Insurance, Ethan worked for Goodhue and Hawkins a premier marina in Wolfeboro, New Hampshire where he worked closely with customers.

“We are excited to have Ethan in the office learning about the business. It is a nice opportunity for our family focused business. We are confident he will bring great energy and fresh ideas while he is here,” said David Keslar.

About Keslar Insurance Agency

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.

As a Network Marketer- Do you know your insurance risks?

network marketingSo 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.

Small or midsized businesses are Most Prone to Cyberattack – How You Can Protect Your Company

internet screen security protection
Photo by Pixabay on Pexels.com

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.

Blog graciously provided by our partner:

Darrin Maggy, CISSP |vCISO, Managing Director| Ezentria, Inc | +1 (603) 339-4553 | dmaggy@ezentria.com

 

Now offering Hartford for Commercial Insurance

TheHartford-LOGOApril 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.

Brendan Jorgensen now Licensed P&C Agent for Keslar Insurance Agency

 

 

Brendan JorgensenKeslar 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.

Learn more about Brendan.

About Keslar Insurance

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.


 

Not at risk for a cyber attack? Think again. 10 Cyber risk myths

  1. I’m not at risk because I don’t maintain any personally identifying information on my customers. Every commercial entity has an exposure because all commercial entities have customers and employees. Typically, an entity will have employees’ social security numbers as well as health information for benefits programs. If you have this information- you have risk.
  2. I’m not at risk because I don’t conduct business over the internet. While the more sensational breaches involve hacking information via the internet, the majority of breaches occur by other means such as accidentally released or stolen physical files or electronic media (i.e. laptops, CD-ROM’s, thumb drives, etc.).
  3. I have coverage under my property, commercial general liability or other commercial policies. You may want to review your insurance policies again.  Property policies may provide coverage for business interruption but generally are triggered by a direct physical loss to the insured property. “Physical” is though of as “tangible” and case law generally maintains that data is not tangible property. Typically, commercial general liability (CGL) policies contain exclusions for damages as a result of the release, disclosure or access to personally identifiable information. It is for this very reason cyber risk coverage was developed.
  4. Personal Data breaches only happen to large companies and public entities. The media tends to focus on larger data breaches because it impacts a significant number of people but breaches impact entities of all sizes. In fact, smaller entities may be more susceptible to breaches as they do not have the resources to dedicate to the issue.
  5. Laws requiring notification of personal data breaches only apply to large businesses. Currently there are 47 states that have legislation requiring notification in the event an entity breaches personally identifying information. These laws are consistent on one point- they do not address the size of the entity.
  6. Coverage that wouldn’t enable my company to provide a professional response to a personal data breach requires a lengthy application and various audits. Unless limits of $100,000 or great are required, no underwriting questions are asked. A security audit is not required for this program.
  7. There is nothing I can do to reduce my company’s chances of having a personal data breach. There are several steps an organization can take to require its cyber liability exposure. Click here to learn more about how to reduce your changes for breach.
  8. If we have personal data breach data and need to notify our customers, we can just send them a “we’re sorry” letter and our customers will understand and continue to do business with us. While ending a “we’re sorry” letter will often satisfy the various legal requirements, the entity is then left with a marketplace reputation problem and the challenge of retaining customers in the wake of a breach. our program offers additional service to the people affected by by the breach. These service include access to a toll free information line, credit monitoring service and identity recovery services.
  9. I don’t need cyber risk insurance if I spend more information Technology security. While robust information technology security will help reduce your exposure, it will not prevent all breaches from occurring.  Breaches often occur from procedural mistakes or “rogue” employees who have access from the inside. Insurance, as well as appropriate spending on security and information technology is part of a holistic risk management strategy.
  10. In this economy, I can’t afford any more insurance. You cannot afford not to have cyber risk insurance. A recently Ponemon Institute study indicated that direct costs to respond to a breach were $60/record. Even a small breach that only impacts 100 records could cost you several thousand dollars.

For further information about cyber liability coverages- as well as any other business or personal insurance needs, we can help. We can be reached at www. keslarinsurance.com or 603-273-0953.

Source: The Main Street America Group. This document is intended for information purposes only and does not modify or invalidate any of the provisions, exclusions, terms or conditions of the policy and endorsements. For specific terms and conditions, please refer to the coverage form.

Own a cleaning business? Know your insurance risks

Types of insurance needed for Cleaning businesses

cleaning blog postLike 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.

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