Cybersecurity Awareness Month Description

Cyber Security Awareness Month

Cybersecurity Awareness Month This Cybersecurity Awareness Month, the need for cyber coverage continues to rise as cybercrime incidents increase and become more costly. Therefore, due to this high demand for cyber coverage, insurance premiums have increased. Computers, smartphones, tablets, smart home devices, and all other technology connected to the internet serve as essential components in […]

What Is Cyber Extortion?

Cyber Extortion

What Is Cyber Extortion? If you are the target of cyber extortion—a type of online attack in which a cybercriminal demands money to prevent the damage or distribution of content or to restore access to the functionality of your device—Hotaling Insurance Services coverage affords immediate access to crisis management advice from a subject matter expert […]

Ian Update: P&C Rates

Ian Update: P&C Rates

Ian Update: P&C Rates Ian Update: P&C Rates. Property and casualty rates will rise for coastal states as a result of hurricane Ian, according to market research firm MarketScout. The storm is expected to cause widespread damage to infrastructure, homes, and businesses. “Companies are going to be reevaluating their rates in the wake of this […]

What is Buy Sell Life Insurance?

What is Buy Sell Life Insurance?

Buy Sell Life Insurance What is a Buy-Sell Life Insurance Agreement? A buy-sell agreement, also known as a buyout agreement, is a legally binding contract between business partners that stipulates what will happen to the business if a partner dies. A buy-sell agreement backed by life insurance is often used to fund a buyout of […]

Life Insurance Annuities

What are Life Insurance Annuities?

What are Life Insurance Annuities? Introducing Life Insurance Annuities What are Life Insurance Annuities? You may have heard of annuities before, but what exactly are they? An annuity is a contract between you and an insurance company in which you make a lump sum payment or series of payments. In return, the insurance company agrees […]

Long-Term Care (LTC)

What is Long-Term Care?

What is Long-Term Care? When it comes to planning for our later years, long-term care is an important topic that deserves our attention. After all, none of us wants to burden our loved ones with the responsibility of taking care of us if we can no longer take care of ourselves. But what exactly is […]

Disability Life Insurance

Disability Life Insurance

Disability Life Insurance Life insurance is one of those things that you don’t really think about until you need it. Disability insurance is a type of life insurance that provides you with financial protection in the event that an injury or sickness puts you out of work. If you’re the breadwinner for your family, then […]

What is Premium Financing?

What is a Life Insurance Premium?

What is Premium Financing? If you’ve ever shopped for insurance, you’ve probably heard the term “premium financing  .” But what is it? In short, it’s a way to pay for your insurance premiums over time, rather than all at once. There are a few different ways to finance your premiums. The most common is through […]