3 Ways to Protect Your Business Against Cyber Attacks

Cyber security is just as important for small business owners as it is for large corporations. Small businesses may even be at greater risk of being hacked due to business owners not taking the possibility of cyber attacks seriously. Here are a few ways small businesses can protect customer and financial information against hackers.

Create and Use Strong Passwords

The use of strong passwords can help deter cyber attacks on your company’s digital information. A company that’s difficult to hack could dissuade prospective hackers from wasting precious time when they can find easier prey elsewhere. By doing a little research on how to create strong passwords and passing this information on to your employees, you can do your part to protect your company’s digital information against cyber threats.

Utilize Virtual Data Rooms (VDR) for Storing Valuable Info

Virtual data rooms act as online storehouses to protect your company’s sensitive information. They can be used to store your firm’s financial records, legal documents, tax records, intellectual secrets and more. Through the use of a VDR, you can minimize the risk of your company’s vital information falling into the hands of hackers.

Obtain Cyber Security Insurance

Cyber liability coverage from the Billy Davis Insurance Group can safeguard your Merrillville, IN business against security breaches that could result in a lawsuit. If someone hacks your customer database and steals customer data, you could be sued for damages. Without insurance protection, a lawsuit of this nature could threaten the future of your business. Cyber security insurance protects your interests against such risks so you can continue to focus on growing your business.

For more information about cyber security insurance and other business insurance options to protect your small business, contact us at The Billy Davis Insurance Group in Merrillville, IN.

Do First Time Home buyers Pay More for Home Insurance Than Those Who Have Had it For Years?

Before making an offer on your first home, it is always wise to get estimates for home insurance. The price you are quoted will vary based on the zip code of the home and the home’s value. However, home insurance may be more money or less money than you were expecting. Getting an estimate helps to ensure that you can comfortably afford your new home mortgage and insurance payments.

When you receive an estimate, you may find yourself wondering if first-time homebuyers pay more for home insurance than those who have had it for years. New buyers do not typically pay more than those who have previously had home insurance. Your home insurance policy is based on many factors including the value of the home, weather elements that occur in the area the home are located in, risk factors, the zip code the home is located in and the age of the home.

While there are things about your insurance policy you cannot change, you may be able to save some money. If you are looking to save money on your home insurance, consider bundling different insurance types, make sure your home is properly valued, and consider putting in a home security system. A great insurance broker or agent can offer additional tips for saving money in your specific neighborhood.

Are you a first-time homebuyer? Are you looking to purchase home insurance for your new home? Contact The Billy Davis Insurance Group, serving the greater Merrillville, IN area. Our staff can help you get the best rates on home insurance, while also ensuring you are fully protected against the unexpected. Give us a call today to get started.

Keeping Your Car Safe From Break-Ins

As your car in Merrillville, IN been broken into recently and you are worried about how it could affect your insurance? This problem (along with total car theft) is, unfortunately, common today. We at the Billy Davis Insurance Group have seen it happen to far too many of our customers. Here’s what you need to know about this difficult situation.

Keep Your Belongings Protected

The easiest way to keep your car from being broken into is to park it in an area where thieves are unlikely to roam. Always keep it in your garage at home and park it near commercial areas or even a police station when downtown.

You should also keep expensive items out of your car and keep it clean and uncluttered. In this way, potential thieves can see you have nothing to take and will pass your car by and consider another. If you cannot take some expensive items out of the car, hide them in the truck or place a blanket or other items over them on the floor of the backseat.

Cars Likely To Be Taken

While you might think that all cars are at equal risk of being broken into or stolen, that is not the case. There are many cars that burglars and car thieves target for a variety of reasons. The most popular of these vehicles to steal or break into include:

  • Honda Accord
  • Honda Civic
  • Full-Sized Ford Pickup
  • Full-Sized Chevy Pickup
  • Toyota Camry

These vehicles are often easier to break into or start and steal than other types of vehicles. They are also high-quality vehicles that can be re-sold for a high value. When these thefts happen, though, what will happen to your insurance?

Impact On Your Insurance

Without comprehensive coverage on your vehicle, break-ins and total thefts are not covered. However, they can cause your insurance premiums to go up slightly because of the increased risk of using that vehicle in the area where you live. Safety is a major concern for insurance companies, and if your car has been shown to be in an unsafe environment, expect an increase in your payments.

If your car in Merrillville, IN or the surrounding areas was broken into or stolen, please contact us at the Billy Davis Insurance Group today. We can help you sort through your rights and get you the car you deserve.

Auto Insurance and Points: Will Your Insurer Know About Your Tickets?

Everyone makes a mistake at some point. Perhaps you did not pay attention close enough and found yourself with a ticket for speeding or missing a red light. When this happens, you can expect to pay a fine or face other legal requirements from the ticketing authority. But, what happens to your driving record? And, when you do get points added to your license, will it cause your auto insurance rates to rise?

Being a Safe Driver Counts

Insurance policies are based on your vehicle’s value as well as the amount of risk you present to the agency. When you request a quote for auto insurance from The Billy Davis Insurance Group, we will analyze these factors to determine your rates. A part of the process involves looking at your driving record. That’s also something most insurance companies do from time to time to ensure they have the right risk level assigned to you.

If you get a speeding ticket or points added to your license for any reason, your insurer will likely know about it. At the same time, a few points from a single incident is not likely to raise your insurance costs (though it can in some cases). Most often, drivers who have repeated tickets are likely to pay more. Your insurer will likely know by simply monitoring your driving record for changes and added points.

Get Insurance That Meets Your Needs

When you contact our agents at The Billy Davis Insurance Group, we can help you to get the right policy in place to minimize the risks you face. We serve residents in Merrillville, IN and the surrounding areas. We can help you, in many cases, if you have points on your license to get quality coverage.

When Does Home Insurance Needs to Be Updated?

When you buy home insurance when you first move into your house, it’s probably just one more thing to do on a checklist that doesn’t seem to end. Every time you make progress in one area, it likely seems that 5 more tasks pop up you that are necessary to turn your house into a home. But the problem is that once the dust settles, you may forget that your home insurance is a fluid thing, one that may need to be updated more frequently than you thought.

When You Buy 

Whenever you come home with something new, you change the value of your home. Whether it’s a major purchase (like a piece of jewelry) or a lot of smaller purchases (like pieces of art from a budding young talent),  you might be surprised that you exceed your limits on your policy if should something happen to your most precious items. The Billy Davis Insurance Group serves the people of Merrillville, IN, and we know that people tend to add to the value of their home over time. The key is to update your policy to reflect it.

When You Remodel 

The same advice goes for any remodeling you may do. It doesn’t have to be a major addition either, it could be as simple as new fixtures in the bathroom. If they’re damaged for any covered reason, you’ll want to maintain the same quality you currently have even after the event. Merrillville, IN residents take pride in the process of improving their homes, both for themselves and the betterment of the community. The Billy Davis Insurance Group takes pride in protecting everything you do. Give us a call for more information about how our policies can do just that for you too.

Top 3 Benefits of Home Insurance

If you live in Merrillville, IN and own a home, you should also have a quality home insurance policy. Are you in the market for a home or home insurance policy but need a bit more information? The following is an overview of the top three benefits of home insurance.

Equity Protection

One of the top benefits of home insurance is equity protection. In these most uncertain times, there are too many variables to be concerned with when purchasing a house. However, by buying and maintaining a high-quality auto insurance policy, the equity on your home with being protected over time.

Natural Disaster Protection

In addition to that, in the face of increasing instances of more catastrophic natural disasters, natural disaster protection is also a huge benefit of most home insurance policies. While those who do not have, sufficient protection will be left to fend for themselves, those with the quality home insurance policy will already have a team of people working to find shelter and other necessary services following a massive disaster.

Theft and Robbery Protection

Lastly, no matter what area you live in or how safe your neighborhood may be, robbery and theft are always possible. Although there is no way to prevent these things from happening, a quality home insurance policy can provide you with the funds and resources to regroup and rebuild following a robbery.

Overall, there are many reasons to purchase a home insurance policy in Merrillville, IN. Let The Billy Davis Insurance Group be your go-to! A premier insurance company located in Merrillville, IN, The Billy Davis Insurance Group is here to assist you with all your insurance needs. Contact us today!

Factors That Reduce Insurance Premiums

When it comes to auto insurance we could all use a break every now and again. That being said, there are some factors that can help to reduce your monthly premiums. If you live in the Merrillville, IN area, the agents with The Billy Davis Insurance Group can help you find the coverage that works for you.

There are several factors that help to reduce monthly premiums. There are drivers that are considered to be high risk drivers. These are drivers that are under the age of 25, have had accidents, are unmarried, and that are unemployed. Any of these factors can classify you as a high risk driver which means that you are going to be paying more each month. Though your gender does make a difference, that is something that cannot be changed.

Once you turn 25 years old, once you get married, having children, and owning a home can all help to reduce your monthly premiums and help you pay less each month. Another option that can help you to reduce your premiums is to have less coverage on your car. Though less coverage might be a great way to reduce your premiums, it can also be hurtful if you are in an accident and you need more coverage.

If you are trying to find ways to help reduce your insurance premiums each month, taking the time to talk with an agent can help you to get your coverage worked out and help you get the coverage that you need. For the agents at The Billy Davis Insurance group, helping people is their aim. For those in the Merrillville, IN area, the agents can help you find the coverage that is right for you and get the monthly premiums that you want.

How to Drive Safely In Indiana During Winter

Indiana winters can be treacherous for driving due to snow and ice on the roads. When possible, avoid driving in inclement weather to preserve your safety and that of your family. If you must drive, however, be as cautious as possible to reduce the risk of an accident. The following winter driving safety tips from The Billy Davis Insurance Group can be helpful when traveling on snow covered roads in Merrillville, IN.

  • Clear your car of ice and snow before driving and use headlights when visibility is poor.
  • Go slow when accelerating to gain traction and avoid skidding. Drive at reduced speeds to help you maneuver safely.
  • Keep a safe distance in between vehicles to give you time to slow down and stop. If your vehicle has anti-lock brakes, pressing hard on the pedal will help you reduce your speed quickly to avoid an accident.
  • If you have car trouble in the midst of a snowstorm, pull off to the side of the road and stay with your car until help comes. Clear your exhaust pipe of ice and snow so you can run your heater 5-10 minutes at a time hourly. Crack a window to avoid carbon monoxide poisoning. Tie a colored cloth to your antenna to let others know you are there.
  • For long distance travels, tell someone of your travel plans to include what routes you’re taking and estimated arrival time. If you sidelined by snow, rescuers will have some idea of where to look for you.
  • Always review weather reports before traveling long distance in winter and cancel travel plans if a blizzard is in the forecast.  
  • Make sure your auto insurance is up to date and provides the personalized coverage you need. 

For winter driving auto insurance protection, contact The Billy Davis Insurance Group in Merrillville, IN.

 

How to Submit an Insurance Claim

Knowing how to submit an insurance claim is an important part of the insurance proceedings. Whether you’re submitting a claim for homeowner’s, auto, commercial or recreational insurance from the Billy Davis Insurance Group serving Merrillville, IN, understanding the claim submittal process helps you get reimbursed for any costs you’ve had to pay out of pocket, as well as making sure your bills are paid on time.

1. Obtain Itemized Receipts

Just because you incur costs on one visit and they show up on a single receipt doesn’t mean they will be handled the same way by your insurance company. One receipt may contain a mix of services that have to be coded differently on the insurance end. Also, some charges might be covered differently than other charges. Before submitting your insurance claim, be sure to obtain highly itemized receipts from your service provider that detail the line items on the receipt.

2. Complete an Official Claim Form

Most insurance companies have their official claim form that ensures a standardized claim submittal process from all their clients. It isn’t sufficient to write a letter explaining what happened. You’ll need to fill out an official claim form to submit along with everything else. You can obtain an official claim form from your insurance representative. Be as thorough as possible, filling in all the fields on the form that you can. It helps to make a copy of the original form in case you need to erase or cross out.

3. Make a Copy of Your Claim Submission

The last thing you should do before you send in your claim is to make a copy of everything in your claim packet. Be sure to make an replica of your claim and keep it in a safe place. If the claim is lost for some reason, you’ll be able to easily provide another. If your insurance representative has questions about your insurance claim, you’ll have a duplicate right in front of you so you can easily clarify what you submitted.

These three insurance claim tips will help you to submit an insurance claim that adheres to the guidelines most insurance companies recommend.

 

How to Choose the Best Foam Insulation for Your Home

Your home is one of the single most important investments you’ll make. You should consider shopping for insurance like you would for the place that you’ll live. One of the most misunderstood pieces to the homeowner puzzle is home insulation. At The Billy Davis Insurance Group, we understand that good insulation can make the different between a home that’s a dream and a house that’s riddled with more than its share of mishaps that may have been preventable by practicing diligence. 

As a homeowner rule of thumb, it’s smart to know a little something about how your house is constructed, so you can ask the right kind of questions if a storm or other unforeseen event arises and the subject turns to repairs.

Your Home is Your Castle – Choose the Best Foam Insulation for It

What does a properly insulated home really do and how do you know which type of insulation to use? The Department of Energy online gives a heads up that there are many places in a house where insulation is health to the wise.

Foam-in-Place Insulation and Spray Foam Insulation

Spaces between walls and wall cavities are especially prone to improper insulation and a good solution is Foam-in-Place insulation. While Spray Foam insulation in Merrillville, IN can do the job of protecting your home from condensation because it keeps the inside of the wall interior warmer while it reduces energy consumption and increases your savings and home value. 

Rule of Thumb – Practice Diligence

Select insulation that is fitted by a licensed contractor,  is energy-saving compliant, and remember to always use materials that meet insulation codes and standards.

The Billy Davis Insurance Group connects with builders and contractors in Merrillville, IN, and the surrounding Indiana area. Get in touch with us and learn more about how homeowners traditionally proof their houses and protect them with the right kind of insurance to enjoy long-lasting comfort with peace of mind.