Peace of Mind
Insurance is only as good as the coverage it provides. While none of us want to imagine tragedy striking, the last place you want to learn about gaps in your coverage is after the unexpected hits.
Our vision is to change your perception about insurance, from a necessary evil to the smartest way to protect more of what’s important to you.
Founded in 1963, we have over five decades of experience looking at all angles of your life or business to make sure you’re covered to the fullest extent your budget will allow.
What is the purpose of insurance? It creates peace of mind. With more than 55 years of experience, we know how to help you choose the right policies to cover the things you love. Our insurance advisors specialize in creating custom plans for every budget to make sure you’re covered when you need it most.Learn how we help
In today’s ever-changing environment, risk is constant. But quality insurance coverage can mitigate the consequences of those risks. Our insurance advisors specialize by industry, and thoroughly assess your business to identify any gaps. We then develop a creative, comprehensive, cost-effective coverage plan to fit your budget.Learn how we help
In today’s ever-changing environment, risk is constant. Business insurance isn’t. We’ll thoroughly assess your business and situation to develop creative, comprehensive, cost-effective solutions that fit your needs.Learn More
At Erwin Insurance Agency®, we are dedicated to providing you with the most comprehensive coverage your budget can buy.
Our expertise = your peace of mind.
Why use an insurance agent?
Insurance isn’t just a necessary evil. It’s a powerful tool to protect the things you love against the unexpected. But insurance is only as good as the coverage it provides. While none of us want to imagine tragedy striking, the last place you want to learn about gaps in your coverage is after the hurricane has hit your house or your teenager is injured in a car crash.
Founded in 1963, we have more than 55 years of experience spotting the gaps in coverage, making complex decisions simple, and looking at all angles of your life or business to make sure you’re covered to the fullest extent your budget will allow. Plus, we can work across insurance providers to build custom plans that best fit your life and your business.
Our Promise to our Customers
We’re committed to a fresh take on how insurance is delivered. We use our four core principles to guide the service we offer our clients.
Customers before commissions
We won’t sell you coverage you don’t need.
Details before deals
We won’t submit applications without the right data.
Creativity before calling it
We won’t give up if your needs are unconventional.
Simplified, but not over-simplified
We’re here to help you make decisions about complex products.
Cyber Liability Coverage
The Internet has spun a whole new web of liability exposures. E-commerce, social networking, cloud storage, and other technologies bring great benefits to large and small businesses alike. But with these benefits also come challenges, including protection of privacy, data, and financial information of your customers. If this information is lost, stolen, or compromised, your company is at risk. In fact, you may even be required by law to alert those impacted by the breach and to pay for any financial loss incurred.
Cyber liability coverage offers protection due to unauthorized access of electronic data or software within your network. It also provides coverage for spreading a virus, computer theft, extortion, or any unintentional act, mistake, error, or omission made by an employee. This coverage is quickly becoming more and more important as you embrace technology to help run your business.
If your company is faced with a data breach or cyber-attack, you may be forced to cover breach-related expenses such as crisis management, hiring a public relations firm to manage a data breach incident, costs associated with forensic analysis, the cost of repairing and restoring computer systems if there is a virus that destroys business software and data, and the loss of business income resulting from a data breach.
First-party coverage will insure your business for losses to your own data or lost income or for other harm to your business resulting from a data breach or cyber-attack. This coverage will pay you for things like business interruption, the cost of notifying customers of a breach, and even the expense of hiring a public relations firm to repair any damage done to your image as a result of a cyber-attack. Having this funding available in the event of a crippling hack can keep the lights on till you’re able to resume your normal business operations.
What would you do if an email virus impacted the operation of your database and prevented you from serving clients for a day or more? Or what if a hacker or cyber-criminal caused a system outage or extended downtime, leaving your business inoperable? These and other events can destroy your ability to serve clients and bring in revenue, which can have a major long-term impact on the viability of your business.
Business interruption insurance compensates you for lost income if your company cannot operate as normal due to disaster-related damage that is covered under your commercial property insurance policy, such as data breach or cyber-attack. Business income insurance covers the revenue you would have earned, based on your financial records, had the disaster not occurred. The policy also covers operating expenses, like electricity, that continue even though business activities have come to a temporary halt.
If your business handles sensitive customer data (such as email lists, credit card records or other files), data breaches pose a serious threat to your financial stability. A lawsuit resulting from a data breach means your business is responsible for paying legal fees, court-ordered judgments or settlements and other court-related costs.
Third-party coverage protects you in the event of a lawsuit brought by a customer or partner for a data breach that your business' actions or negligence allowed.
Regulatory Claim Coverage
If your business experiences a data breach or violation of confidential information during regular business operations, you may be found in violation of state or federal privacy laws and be required to pay fines for the violations or other regulatory issues.
You may be eligible for regulatory claim coverage which would offer protection in response to proceedings related to state disclosure laws and other governmental actions that can result in defense costs, fines and/or penalties. Coverage does vary and may be restricted by state law.
If hackers gain control of critical systems, they may demand a ransom be paid to avoid additional consequences. Sometimes these can be empty threats, but it’s impossible to know for sure. Paying the ransom can be costly. Taking a chance by choosing not to pay can sometimes put a company out of business.
Coverage for ransom and cyber extortion can be included in cyber liability policies and can help cover the cost of ransom to regain control of network systems. This is often not included in a standard policy, may include a separate sublimit and deductible, and may require adherence to certain conditions set forth by the insurer.