Chances are if you have business insurance, then you probably own a business. If you own a business, then there is a good chance that you use a computer. And, if you use a computer, then you need cyber liability insurance coverage. There are some super smart bad guys in our world. And for some reason, these [...]
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So far RCI Insurance Group has created 69 blog entries.
A Ransomware attack, such as WannaCry and Petya or NotPetya, can happen to any business at anytime. Basically, some super smart, but not very nice computer guy hacks your system and encrypts all of your files. In order to get your computer files back, you have to send the bad guy some money. Sometimes, it's just a [...]
Data breach, stolen identity, cyber attack, ransomware, phishing, virus, hacked. These are words that have become all too common in today's society. Almost all businesses use some form of technology, and have your information stored on that technology. Insurance companies have information about you and your family members, your autos, your home and your business. Doctors offices have information about you [...]
Recently, I asked several people what was most important to them when it came to their insurance. An overwhelming 100% of them said price. The available discounts that help lower the insurance premium are important. Many added that adequate coverage or claims service or customer service was also important, but the deciding factor was price. So, my [...]
When buying homeowners insurance, your insurance agent should spend time with you explaining what you are buying. You will go over how much coverage you have on your house and personal property, how your roof is covered, what the cost of the policy is, what perils are covered and anything that may be unique to your [...]
When buying auto insurance, your insurance agent typically spends time with you explaining what you are buying. You will go over what your limits of coverage are, what the cost is, what is covered and what isn't. What doesn't usually come up during that conversation is what you should do when you have a claim. [...]
"I've heard people talk about Replacement Cost and Actual Cash Value insurance coverage. But, what do these terms mean? It's all Greek to me!" Insurance is confusing, no doubt. But, we are going to try to make the insurance jargon a little clearer, one term at a time. Replacement Cost versus Actual Cash Value (ACV) First, let's [...]
In this day and age, it is as common to do business with a computer as it is with a real person. And, online purchases continue to rise according to the US Census Bureau News. We are often asked "What makes RCI Insurance Group different from other insurance agencies?" This is definitely a fair question. What is the benefit [...]
Over the last few weeks, we have reviewed what discounts and other options may be available if your insurance costs go up. We have not yet reviewed what to do if your insurance company is cancelling your auto, home or business insurance. Especially in Oklahoma, we see a lot of clients every week with insurance policies being [...]
I Need to Lower My Home Insurance Rate! “I have never had a claim on my home insurance.” “I take good care of my home, and I am responsible. Yet, I am still paying way too much for home insurance!” “How can I lower my premium and still keep good coverage?” A couple of weeks ago, [...]
What is a work comp audit and why is it required? The premium you pay for your workers comp insurance policy is based on your payroll, operations and location. Initially, when you start a new workers compensation policy, you will estimate what your payroll is going to be for that year. Then, at the end of [...]
I Need to Lower My Auto Insurance Rate! "I have not had a ticket or any claims on my auto insurance in years." "I am a safe driver, and I am responsible. Yet, I am still paying an astronomical amount of money for auto insurance!" "How can I lower my premium and still keep good [...]