Category: Insurance

Texas Commercial Insurance: Why You Need Cybersecurity Insurance

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Commercial insurance is insurance that you get to protect your assets in business. That could include a number of elements of your business. However, cybersecurity insurance is something that you may want to consider as an important component of your commercial insurance policy.

At Integrity Advisors Agency LLC (Stephen Reese), we want San Antonio, TX business owners to have the most thorough insurance policy possible. 

Learn more about why you might need cybersecurity insurance here.

Why is Cybersecurity Insurance Important?

There are ransomware and malware attacks happening in the United States, and San Antonio TX every day. In the country overall cyberattacks happen by the thousands every day.

When your business is down due to a cybersecurity incident, you face the possibility of losing thousands. You could even shut down entirely and permanently.

In addition to experiencing business interruption, you expose your data and all of your client’s data to the cyber threats of the world.

What Does Cybersecurity Insurance Cover?

Cybersecurity insurance covers your losses when your business is down as a result of a cyberattack. It can cover your operating costs, including payroll, maintenance, utility costs, and property costs when your business goes down. It can also cover the costs of repair if you lose any infrastructure as a result of your cyberattack.

Get a Quote

When you have a commercial business in San Antonio, TX, you want to be sure that it is protected against every possible risk. The risk of cyberattacks is real in America, and in Texas. At Integrity Advisors Agency LLC (Stephen Reese), we want you to be covered for every risk, seen and unseen. Call us for a quote today.

Do You Need Home Insurance in Colorado if You Don’t Have a Mortgage?

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Most mortgage lenders in Colorado these days require homeowners to carry home insurance as part of their contracts. But, what if you’ve paid off your home in full and do not have a mortgage? Do you still need home insurance? 

Here’s the short answer: legally, you do not need home insurance in Colorado, but there are many reasons why you’ll probably still want a policy. At Integrity First Insurance, we’re here to answer all your questions!

What Does Home Insurance Do?

While mortgage lenders may refer to home insurance as protecting their financial investment, it’s really about protecting yours as well. After all, you’ve already put in a lot of time (and funds) into your home, and this goes tenfold if you’ve paid it off in full and do not have an active mortgage. A good home insurance policy prevents you from having to pay for all damaging events to your property out of your own pocket, therefore making sure your investment is not wasted. 

Does it Matter if I Live in an Urban or Rural Area?

Colorado is a very geographically diverse state, and our beautiful land is home to both rural and urban communities. Homes in both areas face different kinds of risks, and they are both still in need of home insurance as a result. Fortunately, insurance providers recognize this and offer different ranges of coverage options as a result.

How Do I Get a Policy?

When you’re ready to learn more about your home insurance coverage options, give us a call at Integrity First Insurance. We’re homeowners in Colorado ourselves, and we understand that there is no "one size fits all" policy. We’ll get to know you and your property, as well as any specific needs you have for coverage. Then, we’ll be able to present you with the policy options that fit best. Don’t wait to protect everything you’ve already invested into your home — reach out to us today!