KVIS & Coe Insurance Blog – Safety Tips, News, Events

How Does Cyber Insurance Work? The cost of dealing with a data breach goes beyond repairing databases, strengthening security procedures or replacing lost laptops. Regulations requiring notifications to affected customers also drive up costs for companies when a data breach compromises personal or confidential data. Traditional business insurance may not be enough to protect companies from cyber crime. But just

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Laundry is part of life’s weekly grind. But did you know that dryers cause roughly 15,500 home structure fires, 29 deaths, 400 injuries and $192 million in direct property loss each year? What’s more, most dryer fires happen in the winter. WHAT CAN CAUSE A DRYER FIRE? The most common cause of dryer fires is failure to do a thorough

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Each new year brings its own unique set of opportunities and challenges for small business owners. And 2022 is no exception. From shifting consumer shopping habits and government regulations to emerging technologies and the continued effects of the pandemic, it’s enough to make any small business owner take a moment to seriously consider what’s coming their way in the next

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Small Business Insurance Glossary Trying to understand how your small business insurance works, but having trouble with the language? We understand. Here are some of the more important terms to help you understand your policy. Signing Up Endorsement/Rider: Additional protection purchased in addition to your core business owners policy (BOP). You can use riders to add extra features to your policy.

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Shopping Safety Tips for the Holidays The average American plans to spend $998 on gifts and other holiday items this holiday season, according to the National Retail Federation. While that’s not as high as pre-pandemic years, it will still be a busy time for both online and brick and mortar retailers. However, all that hustle and bustle can create opportunities for

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Life Insurance and Health Conditions: A Deal Breaker? Whether you’re a young adult, stay-at-home parent or a retiree, you likely have a need for life insurance. But wading through multiple policy options, benefit amounts, premiums and riders can be overwhelming. Does whole life or term life make more sense at this point in my life? Do I need $50,000 in coverage, $500,000 or even

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Can Life Insurance Cover Student Loan Debt? A college degree is a necessary ticket to many careers – but it often comes with a steep price tag. On average, class of 2019 college graduates borrowed $30,062 in loans, according to data reported to U.S. News. Meanwhile, the collective student loan debt in the United States is around $1.7 trillion. Those numbers are concerning

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Is a Medicare Supplement Insurance Plan Worth It? When you sign up for Medicare Parts A and B, you also have the option to apply for a Medicare Supplement insurance plan. A Medicare Supplement plan, sometimes called “Medigap,” is a private insurance policy that can help pay for some of the health care costs that Medicare doesn’t cover. But is this

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Medicare Supplement vs. Medicare Advantage: What’s the Difference? Applying for Medicare once you reach retirement age sounds simple enough. But just because you’re covered under the federal health insurance program doesn’t mean you won’t be faced with out-of-pocket costs. With Original Medicare (Parts A and B), you’ll receive coverage for health-related expenses like hospital care, doctor visits, medical procedures and

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15 Common Questions About Life Insurance Life isn’t one-size-fits-all – and neither is life insurance. Planning for the future can feel exciting and scary at the same time. Whether you’re buying your very first policy or planning for the next chapter of your legacy, it’s common to have questions. Here are some common questions you might be wondering. (Want a more

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