November 13, 2023
AgencySeven Insurance Policies Every Small Businesses Should Consider
With so many different types of insurance to choose from, it can be overwhelming to determine what type is best for your small business. Dowd Insurance Agency is here to help explain the types of insurance policies available and how they can help protect you, your employees and your business’s bottom line. Commercial Property Insurance […]
November 8, 2023
AgencyWhat Do I Do In the Event of a Commercial Property Loss?
Most people understand that insurance companies have a duty to reimburse insureds for commercial property damage not excluded by their policies. What’s lesser known is that if a loss does occur, insureds also have duties they owe to their insurance company. Many commercial property insurance policies include language detailing steps that must be taken following […]
November 6, 2023
AgencyUnderstanding the Cybersecurity Risks of QR Codes
Quick response (QR) codes are a popular marketing, sales, payment and customer service tool for several businesses. However, as the presence of QR codes has become more prevalent, malicious actors have found ways to use them in phishing attacks and to spread malware. These vulnerabilities can lead to significant financial and reputational damage, and it […]
November 3, 2023
AgencyWhat Type Of Damage Does My Home Insurance Cover?
Insurance policies are often filled with terms that can be difficult to understand, particularly for the average insurance buyer. Of these terms, “named perils” and “open perils” are some of the easiest to confuse. When it comes to understanding what their coverage entails and ensuring their policies are adequate enough to protect against the most […]
October 30, 2023
AgencyHalloween Safety for Children
Halloween celebrations can come with a range of fun activities and lead to lasting memories for your children. However, these festivities can also carry serious safety risks. That’s why it’s important to have precautions in place to protect your kids from the risk of Halloween-related injuries or accidents. Keep reading for Halloween safety tips for […]
October 26, 2023
AgencyOn The Job Safe Driving Tips
Safe driving is a crucial responsibility that impacts not only your well-being but also the safety of everyone on the road. It involves recognizing and mitigating common driving hazards, such as distractions, speeding, impaired driving, fatigue and adverse weather conditions. Key safe driving practices include defensive driving techniques, regular vehicle maintenance, adherence to company policies […]
October 23, 2023
AgencyFive Cyber Readiness Practices to Boost Your Cybersecurity
Cyber threats are an ever-present concern across businesses, non-profits and public entities with organizations of all sizes often targeted by advanced and evolving attacks. The annual Travelers Risk Index shows cybersecurity persistently remains a top concern. The impact of cybercrimes like ransomware attacks, social engineering fraud and business email compromise make the implementation of robust cyber readiness […]
October 18, 2023
AgencyUnderstanding The Impact of Secondary Perils on Property Insurance
Secondary perils, such as severe convective storms, floods, wildfires and hailstorms, have significantly impacted the commercial property market. In fact, according to industry data, secondary perils have consistently accounted for over 50% of insured natural disaster losses in recent years. This blog provides more information on secondary perils, including their impact on the property insurance […]
October 16, 2023
AgencySafety Tips for National Teen Driver Safety Week
October 15-21 is National Teen Driver Safety Week. During this week, the U.S. Department of Transportation’s National Highway Traffic Safety Administration encourages parents to have important conversations with their teenagers about staying safe behind the wheel. According to the United States Department of Transportation, 2,608 people were killed in crashes involving teenage drivers in 2021. […]
October 12, 2023
AgencyWhat Is The Difference Between Commercial Excess Liability And Umbrella Insurance?
Commercial excess liability insurance and umbrella insurance are secondary coverage policies that attach after primary insurance policy limits—such as general liability, employer’s liability and commercial auto insurance—have been exhausted. This additional coverage can protect your business from the financial consequences of large losses that exceed what your primary insurance can cover. While excess liability and […]