Blog

6 weeks 6 days ago

I recently received a letter from my credit card company informing me that some of my personal information may have been stolen. My very first thought was, “How is going to pay for my credit monitoring?” It sure won’t be me.

My question to all the business owners…Will it be you?

Do you collect, keep or store personal information? This includes Credit Card numbers, Social Security Numbers or even Drivers License Numbers. Do your sales people take laptops, or paper files, home or out to visit clients? If the answer is yes, then you need Data Breach Coverage, and you need it now! The good news, Data Breach Coverage is very affordable and you can select the level of coverage that best suits your business needs.

Businesses are required to follow strict federal regulations on notification to individuals. Time limits on when letters must be mailed and what must be included in the notifications are just some of the rules. Well, you can buy response coverage and your insurance company can provide coverage for mailings, Good Faith Advertising and credit monitoring. Some insurance companies even include access to all of the legal requirements, tips on safeguarding information and help with creating data breach response plans.

If you would like to learn more about Data Breach Insurance, or any other types of Business or Personal insurance – Just give me a call at 703-530-1300 x105 or send an e-mail to dsbissell@wgoins.com.

8 weeks 6 days ago

Out on 495 today, just on my way to work and a good portion of the people are in an unbelievable hurry. One guy in a Cadillac got into the merge lane to pass the person in front of him. At least 3 other cars were weaving in and out of traffic in an effort to get wherever they are headed. Yesterday, on my way home, one person failed to yield (yes, he had a yield sign) and we almost collided.

It is tough to be overly critical of these people. I am sure we all do our fair share of aggressive driving. I for one have days when I put the hammer down and cruise. So how do we keep safe from, and avoid becoming an aggressive driver?

VA DMV to the rescue! Here is an article posted on the VA DMV Highway Safety portal: http://www.dmv.virginia.gov/webdoc/safety/programs/aggressive/index.asp. The article provides basic safety procedures when you come across aggressive drivers, and tips on how to avoid becoming one.

I see an aggressive driver:

Buckle up, just in case.
Don’t make gesture or eye contact.

Don’t be one:

Don’t drive angry
Check traffic and weather reports, and leave early enough so you are not rushed.

Happy Holidays! Be safe out there.

9 weeks 5 days ago

Welch, Graham & Ogden Insurance will be closed, in observance of Christmas on the following days:

December 23rd & 26th

Our offices will also be closing at Noon on December 16th.

We hope everyone has a Safe and Happy Holiday Season!

10 weeks 2 days ago

Online Password Management company, SplashData, has released this years "Worst passwords of 2011". Please take a look at the article and be sure you are not making your online accounts easily acessable to hackers. Here are some of my favorites from the list:
letmein,
qwerty,
12345678
See the full article from Insurance Journal here: http://www.insurancejournal.com/news/national/2011/12/07/226606.htm

13 weeks 5 days ago

Hi All. I found a link to a free Home Inventory website.

www.knowyourstuff.org

Everyone needs to have an accurate inventory of all the stuff that you own, and that list needs to be kept somewhere other than inside your home. This website makes it easy to do both. Please take some time to create an inventory, if the worst happens you need to be prepared.

Also, take a look at this month’s video about disaster preparedness. Just some short videos with great information about homeowners insurance. http://wgoins.com/node/32

17 weeks 2 days ago

Later this month, your home will be visited by superheroes, ghosts, goblins and (if you are lucky) Harry Potter. All of these miniature visitors will say things like “Trick or Treat”, and will expect you to give them candy. It is one of the cutest holidays ever invented.

Halloween is one of my favorite times of year, but it can also be an accident waiting to happen. Here are some tips to help keep your little visitors safe and your property protected.

1. The path to your door must be well lit and free of debris. Take some time this weekend to:
a. Check the light bulb on your front porch.
b. Move Halloween decorations off the path and out of the way.
c. Fix cracks in sidewalks and stairs.
2. Use special light bulbs in your jack-o-lanterns.
a. Real candles can start a fire that can cause major damage to your home.
3. Do not hand out:
a. Homemade treats
b. Toys
c. Open or Expired Candy
For the Trick-or-Treaters
1. Wear light colored costumes or have reflective tape incorporated into the costume.
2. Stay in groups, don’t wander off by yourself.
3. Have a flashlight available in case it gets dark.

Have a Happy Halloween and be safe!

20 weeks 2 days ago

When you show up at the rental car counter to pick up a car, they will ask if you would like to purchase a Loss Damage Waiver. This waiver, when purchased, will allow you to hand in the keys at the end of your vacation and not have to worry about any damage to the rental car. You just drop off the keys and go (although, you should read the waiver to make sure you understand all of the terms.).

Many people call our office from the rental car agency and ask, “Do I purchase the Loss Damage Waiver, or am I covered?” Every person renting a vehicle should purchase the LDW from the rental car agency. If not, all of the fees associated with loss of use and damage to the rental car may be charged to your credit card right then. And some of those fees will not normally be covered, or have very limited coverage, on your personal auto insurance policy.

Here is a link to an article “Top 10 Reasons to Purchase the LDW”. This article will give you some deeper insight into additional fees that can be avoided by purchasing the LDW. http://www.iamagazine.com/NewsViews/2005/October_13/Substance.aspx

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Welch Graham & Ogden Insurance
7723 Ashton Avenue
Manassas, Virginia 20109

Phone: (703) 530-1300
Fax:
(703) 530- 9994
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