Category: H&K Blog
10 Fall Home Maintenance Tips
H&K can do a full review of our current homeowners insurance but maintaining your home is one of the most important things you can do to reduce the risk of insurance claims. Check out our infographic for tips and contact our office at 617-924-5600 or info@hkinsurance.com. H&K Insurance 10 Fall Home Maintenance Tips
read more »
8 Common Car Insurance Myths
Auto insurance can be complex and difficult to understand. With all the information available to policyholders, it can be challenging to decipher the facts from myths. Knowing what’s covered under your auto policy and the factors that determine your premium is crucial. What’s more, not understanding your coverage may lead you to believe you’re covered […]
read more »
The Insurance Market Cycle: Hard Versus Soft Markets
The commercial insurance market is cyclical in nature, fluctuating between hard and soft markets. These cycles affect coverage availability, terms and pricing for businesses. As such, it’s helpful for policyholders to know what to expect in both a hard and soft insurance market. A soft market, sometimes called a buyer’s market, is characterized by stable […]
read more »
Understanding the Impact of Roof Age on Commercial Property Insurance
A commercial property’s roof plays a significant role in preserving the building’s structural integrity and protecting it against a wide range of weather exposures (e.g., wind, hail and rain). As a roof ages, it becomes weaker and increasingly vulnerable to structural failure. Additionally, older roofs may be more prone to coverage exclusions in commercial property […]
read more »
Did You Feel That? Earthquake Insurance in the Northeast is Important
Everyone is watching the news unfold about the earthquake that hit the Pennsylvania, New Jersey and New York areas today but are also learning that earthquakes are not uncommon in the Northeast. Many people think that earthquake insurance is only needed if you live in California or near a fault line. The facts are that […]
read more »
Fire Prevention Measures for Idle and Vacant Properties
When properties are left idle or vacant, the risk of fire-related incidents increases. Therefore, implementing a comprehensive fire prevention strategy is crucial. This article explores essential fire prevention measures for idle and vacant properties to ensure the safety of the premises and minimize the risk of destructive fires. Fire Prevention Measures Businesses should consider the […]
read more »
Email Security Best Practices
Since organizations rely heavily on email to communicate and conduct business operations, cybercriminals commonly target email as an entry point to access networks and breach valuable business data. In fact, 94% of malware is delivered by email, according to Verizon’s Data Breach Investigations Report. Following a cybersecurity breach, organizations may suffer financial, reputational and intellectual […]
read more »
AI and Virtual Kidnapping Scams
You may have missed the news of the Chinese student studying in Utah that became a “cyber kidnapping” victim that used a series of cell phones, email threats and self-isolation instructions to scam his family of ransom money. As artificial intelligence (AI) advances, malicious actors have developed methods to exploit the technology for nefarious reasons. […]
read more »
Workers’ Compensation Insurance: Understanding the Experience Modification Factor
Workers’ compensation insurance is a crucial component of protecting employees in the event of work-related injuries or illnesses. It provides medical benefits, wage replacement, and other necessary resources to injured workers while also safeguarding employers from costly lawsuits. One important aspect that plays a significant role in determining the cost of workers’ compensation insurance is […]
read more »
Safeguarding Business in the Digital Age: The Role of Cyber Liability Insurance
In today’s hyper-connected business landscape, where data breaches and cyberattacks loom as constant threats, protecting your business against these perils is paramount. Cyber liability insurance emerges as a formidable shield, offering financial protection and peace of mind. Small businesses may be under the misconception that they are less attractive targets for cyberattacks compared to large […]
read more »