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Charleston, SC 29407

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Does Your South Carolina Commercial Insurance Need a Cybersecurity Boost?

When you are looking for commercial insurance, you may want to consider adding cybersecurity protection to your policy. If your business and commercial data is exposed at the wrong time, or you experience a systems outage due to cybercrime elsewhere, your revenue can be protected. 

At B&A Insurance LLC, we want Charleston, SC businesses to have a plan in the event of a cybersecurity crisis.

What Are Your Risks?

Cybersecurity solutions in an insurance product can help protect your business, its data, and revenue. This insurance will help you to plan for and manage a cyberattack. 

The main risks to cybersecurity in your business are ransomware, malware, and hacking. 
Ransomware is an event when a hacker hijacks your network and asks you to pay in order for you to get your data and networks back.
  
Malware is a dangerous software program or virus that is sent to you by a dangerous entity. 

A hack is a hack. It can occur internally, or it can occur from an outside body. This occurs when someone knowingly steals information from your data centers, network, IT departments, or all of the above.

Any one of these scenarios will bring your business to a halt for just a few minutes. The longer your business is closed to manage these problems, the bigger the problem for you.

Cybersecurity solutions in an insurance product will help to protect your revenue from these problems.

Get a Quote

At B&A Insurance LLC, we can design a cybersecurity package with your commercial insurance so that Charleston, SC business owners feel protected against every risk. Get a quote for cybersecurity liabilities and data breach protection today.

4 Areas Covered By Home Insurance

While your home ownership process involves a lot of things, one thing you shouldn’t forget is home insurance. Without home insurance, your hard-earned home could go down the drain when the unthinkable happens. Fortunately, you can secure your home with home insurance from B&A Insurance LLC, located in Charleston, SC.

Liability protection

The liability coverage in your home insurance policy covers you and your household members against bodily injury and property damage for losses and damages caused to third parties. For instance, if your son throws a ball and breaks your neighbor’s expensive vase, the liability coverage can kick in to save you property damage costs. 

Similarly, if someone slips and injures their neck within your premises, liability insurance covers the medical expenses and legal costs if the person sues you for negligence. 

Dwelling protection

The dwelling coverage of your home insurance protects your home structure, including the roofs, wall, floor, and other permanent structures attached to your home. Home insurance protects your home against damage from:

  • Lightning
  • Hail
  • Fire
  • Theft
  • Vandalism
  • Windstorm
  • And many more risks

Home insurance excludes damage from certain perils. Be sure to double-check with your insurance agent to understand what’s not covered with your home insurance.

Contents coverage

If theft, fire, vandalism, or any other covered peril causes damage or loss to your assets, home insurance compensates you up to your coverage limit.

Additional living expenses

Suppose fire, hail, or any other covered peril destroys your home. Your home may become unlivable for a couple of days or even weeks as repairs go on. In the meantime, you may need to seek temporal shelter and incur expenses like hotel meals and accommodation. Home insurance saves the day by covering expenses that exceed your average daily/monthly spending.

Are you shopping for an affordable home insurance plan in Charleston, SC? Don’t look beyond B&A Insurance LLC. We offer customizable and affordable insurance to suit your needs. 

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