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cyber risk

Remote Workers And Cyber Security Risks

There are more remote workers in American today than at any time in our recent history. Many employers are embracing this trend, but there are new risks to consider. As a result of this distant work environment, a crucial problem arises in new security threats. In our digital age, businesses have had to improve their cybersecurity, yet cybersecurity dangers have increased significantly due to remote labor. Employees who work from home are at a significantly higher risk than those who work in offices.

Ransomware attacks are also a big concern for more than two-thirds (69%) of IT executives, who anticipate that the hybrid workplace will be a target for ransomware. Targeted organizations faced a threat to their business continuity as a result of these attacks.

Sharing a computer and using it for personal purposes are two different things. It may seem self-evident, but sharing a business computer with family or roommates can be a security concern. This should be avoided at all costs, especially if your work result contains sensitive customer information.

Cyber Tips For Remote Workers

  • Keep devices patched and up-to-date.
  • Accommodate the increase of remote VPN workers.
  • Proved employee training.
  • Require passwords to be updated regularly, use PW managers.
  • Use cloud software for file management.
  • Use only secure Wi-Fi.
  • Have good backup systems

Have a good cyber liability insurance plan in place. Cyber liability insurance is a type of insurance that offers a variety of coverage choices to help organizations protect themselves from data breaches and other cyber security risks. It’s not a question of whether, but when your company will be hacked. Policyholders with cyber insurance can also use tools and services to manage and minimize cyber risk both before and after a breach.

For remote employees, cybersecurity necessitates ongoing monitoring. Give us a call if you’re concerned about your present remote security practices. We’ll examine and put safeguards in place that will allow your remote workers to work securely and productively.

While the massive national agencies spend millions on television ads and offer barebones policies, they do not know you. When your needs change or your situation complicates, you don’t want an automated phone tree or cold cyber-agent. You want to talk to compassionate, honest insurance experts – that’s our team. You shouldn’t have to spend hours researching and comparing policies. Let the specialists at Reichley guide you through the complex insurance industry.

Call today to alleviate the worry and get covered – (937) 429-0655.

business insurance

Why Insurance Is Not A Product

We use phrases like “people before policies,” “listen to your needs,” and “Your dedicated team of experts.” These words have meaning to our entire team and are carried out in every conversation with our clients.
Here are some of the valued added services every agent should be providing:

Claims – When you have a claim, we will help you through the process, connect with adjusters, and work to settle the claim. We help you to set expectations and communicate regularly with you.

Options – We do not sell you a policy. We provide options and help you buy the right coverage for you. We show you the different kinds of coverage you might need; if we do recommend insurance, then we take the complexity and uncertainty out of the process and make sure you have the right policy to fit your budget.

Education – Our goal is to educate you so you can make informed decisions. The more you know, the better decisions you will make. It gives you better value out of your insurance.
Stay Connected – We stay in touch with you during the year. We make sure your program changes as your needs do. This assures you that you have the coverage you need.

Service – When you call your agent, you want a PERSON who knows and understands your needs. Our team lives and works in the community. We will even come to you to meet with you. You get a better insurance program and more value for every dollar spent.

Qualified – Your agent should have more than five years’ experience. You deserve an experienced professional who is committed to their craft. As a result, you get a better-designed program.

At Reichley Insurance, our employees are committed to developing ongoing communication with our clients and striving to exceed your expectations. You are not buying a product; you are managing your risk. Remember, insurance is not a product; it’s a promise and a trusted relationship.

What Does Your Agent Talk To You About?

When you meet or talk to your agent, what are the topics of conversation? Are you talking just about your bill, or how you got an endorsement and didn’t understand it? Do you get way too much communication on how to reduce your premium by buying less coverage? Many companies will tell you, and you don’t need to talk to your agent.

We are here to provide a different approach. We recommend talking to your agent at least once a year and even more if needed. Communication is the key to all good relationships. We will reach out to you and talk to you about the following.

  1. How is your claim being processed? Can we help you?
  2. Did you get your policy, and do you have any questions?
  3. Have you made any major purchases; a new car, boat, or other high-end items?
  4. I know you have a wine collection, did you but any new bottles that need to be insured?
  5. Your son Travis is heading off to college; we might want to review your coverage.
  6. How is your new job going? Do they offer life insurance, or would you like to look at some options?
  7. Have you thought more about identity theft coverage? Or do you have any questions?
  8. We have found many people are driving for a ride-sharing company, is there anyone in your house doing this?

These are just some examples of what our conversations might look like. Of course, we also start with a good day it is great to connect, and end with thank you for your business, we value our relationship and love serving you.

 

How We Help You Make Informed Insurance Decisions

When it comes to your insurance, making the right decision can be the difference between a covered loss or a nightmare. Knowing what to look for is one thing, but it’s just as important to know what NOT to do when considering your insurance agent and the kind of insurance you may need. What your goal should always be is to get the best possible combination of coverage, price, and service. To help you get to this point, we have a process that we use that helps us known you better and educates you on your risk and how best to manage them. The process is the same for a family or a business.

Understanding

It is important that we have an understanding of your needs, concerns, and risks. Our goal is to gain knowledge of what risks you have and how we can manage these together. Some risks we can say for sure may need insurance, but there may be some risks where insurance is not the best solution.

Educating

Once we understand your risks and needs, we educate you on how to manage them best. We believe that our primary purpose is to educate and inform our clients so they can make the best possible decision.

Planning

Once we agree on what your risk is, we set up a plan. The plan may be to offer insurance options, increase deductibles, transfer your risk, or self-insure. Notice that this is the first time we mention insurance. If the first word out of an insurance professionals mouth is insurance, all they are doing is trying to sell you a product, not deliver on a promise.

Managing

We manage your program through insurance placement; risk reduction techniques claims assistance and customer service. We understand that our job does not end when your policy is delivered. We answer questions and solve problems throughout the entire year.

Evaluating

To continue the process, we assess your program and make corrections based changes in your needs and risk. We believe that your insurance needs change, and therefore, our approach needs to be flexible enough to adapt and change over time.

In the end, you have a better-designed insurance program and be more satisfied with the results. Just remember, cheaper is not better and better is not always more expensive. We offer a way to add value to your insurance purchases.

Are You Looking In The Right Places For Your Insurance?

A More Effective Way To Think About Insurance.

Everyone is looking for a good deal on his or her personal insurance.  Some people define a “good deal” as getting the lowest priced insurance, much like buying gas or other products of a similar kind.  However, there is a different way to define the “best deal” in insurance terms.  We want you to get the best value.  Let me describe what I mean.

You Are Hiring Agent—Not Buying A Policy

Rather than shopping around for the lowest cost insurance, why not shop for an agent who can help you find the best value.  Independent agents represent many different insurers.  You will benefit from an agent who represents many insurers; especially an insurer who has experience with your individual needs.  When you allow an agent to market your insurance needs to several insurers, it is an excellent way to bring value to the process and ensure that you will be presented with the best options available on the market today.  You want a relationship, not just a policy.

Insurance policies are not all created equal. Insurance is not like a commodity; insurance companies offer many different kinds of policies that may or may not offer the coverage you need.  Why pay for insurance you do not need, or worse, pay for coverage you thought you had but did not.

As an independent agent, we will not sell you more insurance, we will provide the right insurance.  In some circumstances, we may even tell our clients not to buy insurance.

Ask your agent about their experience and qualifications. Are they investing in extra training and do they have accreditations?

A good agent will:

  • Ask questions
  • Educate you
  • Bring their knowledge and skills into the relationship
  • Act an advisor not a sale person
  • Become a trusted partner

Agents Help Fill The Gap

Many insurance policies are filled with coverage gaps. These are areas where you need certain coverage, but the policy may not provide it. A coverage gap may have policy limits or deductibles not designed for your needs.  An agent acting as your advisor can help you identify these gaps and offer solutions.

We often use the phrase, “You often don’t know what you don’t know.”  Our job as your trusted partner is to listen to you, educate you, then partner with you in developing the right insurance solutions.

Here Is How You Benefit

  • The complex becomes clear. When you have a relationship with the agent who is serving you, they will make the complex world of insurance understandable and how best to manage it.
  • Is Insurance the only option? Clients may not always understand that there may be other ways to handle risk.  A trusted advisor is in the education business – not the selling business.
  • Value-added benefits. With a trusted advisor, you the buyer will have all the resources and knowledge of the agent and his/her team.
  • You have access to other experts. Wouldn’t it be great if your agent brought to your team attorneys, accountants, claims experts, loss control professionals, and more?  Well, a trusted advisor will do just that.

Give me a call and let us talk about how we are different and can help you understand your insurance purchase with clarity.  I want to earn your trust.

Reichley Insurance believes insurance is more than a transaction.  Insurance involves a trusted relationship built on a promise to put people before policies. Our promise is to listen to you, identify your risks, and provide solutions.  Every Reichley employee has the heart of a teacher.  Connect with us to experience The Reichley difference.

How We Put People Before Policies

We have used “How We Put People Before Policies” as our tagline for many years.  We use it because we truly believe that people are more important than policies.  However, a tagline is meaningless unless it is put into practice.  Here are a number of ways we carry this out this concept every day.

Each Client Is Unique

We know your insurance needs are one of a kind and require personal attention.  Your family may require certain kinds of coverage and we will make sure you understand that.

Education Comes First

Before we even talk about insurance, we want to educate you on your risks and how these risks may affect your family or business.  We believe that if you are educated about your risk you will make educated decisions.

Excellence Starts With A Human Connection

When a client calls, they get a licensed professional who can speak to their specific needs and respond accordingly.  We listen to your concerns, ask questions, and then provide a response.

We Never Stop Learning

Risk and insurance is an ever-changing field.  That is why we, as a team, continue to expand our knowledge base and further our education.  This allows us to provide you with the latest trends regarding your risk and insurance.

Relationships Matter

Insurance is a relationship between you the client, the agent, and the insurance company.  We look out after your interests—we do not work for an insurance company.  We enjoy making personal connections with our clients, and look forward to the next time we interact with them.

What Do You Want From Your Insurance Relationship?

The best relationships are built to last.  Long-term financial relationships are much more than a quick transaction or low price.  Recent surveys by JD Power & Associates found that consumers actually valued long-term relationships.  There are many ways agents can build value and create lasting positive relationships with their clients.

Why Lasting Relationships Matter

If you listen to most insurance advertisements, they tell you to shop your insurance every year and over time, you may save money.  The problem with this concept is insurance is not a specific “one size fits all” product that you might buy and expect to be what you need.  For example, when you buy a faucet, you would not buy all the individual components of a faucet, put it together yourself, and hope it worked.  Rather, you purchase a completed faucet, install it, and it works for years as promised when you bought it.

With insurance, you go into a contractual agreement with the insurer that your claim will be paid based on the terms of the policy.  Insurance is unique and it takes knowledge and skill to put together the right combination of coverage for each individual.  Why would anyone build an insurance product themselves when a professional, experienced, and licensed agent can do it better?

Your Agent Will Care About What You Care About

  1. An agent will get to know your family and your individual needs. Over time, agents develop close relationships with their clients and care about their well-being. Wouldn’t it be good to be on a first-name basis with an agent who knows you and your family, and lives and works in the same local community that you do?
  2. Your agent will know what risks you have. As in any relationship your agent will better understand your risks and be able to educate you on how to manage these risks.
  3. You care about convenience, choices, and control. Your agent will provide you with options of Insurance policies, the ability to control how you access your account, and the convenience of a simple insurance purchasing process.

How Agents Help Build Lasting Relationships

  1. By educating their clients rather than selling a product.
  2. Agents are always keeping up on the latest issues and trends to share with their clients.
  3. You can call their office and get a professional team member who knows who you are.
  4. Agents will meet you where you are.
  5. Life-changing events may require a meeting with your agent; we are here for you.
  6. Instead of calling a voicemail or making an appointment, interested consumers can speak directly with an agent immediately and ask any question they choose.
  7. Agents know what your insurance policies cover and do not cover, which helps you when you have a claim.
  8. An agent will take the lead and work through a claim to make sure you are satisfied.

In conclusion, our marketing plan is not based on internet ads, or catchy slogans, our marketing plan is to have completely happy and satisfied customers and build long-lasting relationships.

While the massive national agencies spend millions on television ads and offer barebones policies, they do not know you. When your needs change or your situation complicates, you don’t want an automated phone tree or cold cyber-agent. You want to talk to compassionate, honest insurance experts – that’s our team. You shouldn’t have to spend hours researching and comparing policies. Let the specialists at Reichley guide you through the complex insurance industry.

Call today to alleviate the worry and get covered – (937) 429-0655.

2019 New Year Resolutions For Every Buyer And Agent

As we move into a new year, I hope that every insurance agent and insurance buyer will think about how they view their relationships. Let us get away from the clever insurance advertisement’s attempts to bring our products and services down to the lowest common denominator, price, and commodity. Insurance products and services are used to build our local economies, allow people to dream, and help rebuild in the event of a disaster.

Therefore, here are my resolutions for 2019. I hope other agents and insurance buyers will embrace these as well.

Agents

• I will always put the needs of my client above mine.
• I will strive to educate rather than sell.
• It will be valuable to provide my clients with options.
• Insurance is a complex transaction, and I need to help my clients understand what they are buying.
• Risk management should always be part of every conversation; identify risk, assess the risk, manage the risk, and review again.

Insurance buyers
• I will select an agent who values relationships.
• Price is not an indicator of quality.
• Buying local is like the “farm to table” of insurance.
• I will seek an agent who is qualified to manage my risks.

At Reichley Insurance, our employees are committed to developing ongoing communication with our clients and striving to exceed your expectations. You are not buying a product; you are managing your risk. Remember, insurance is not a product; it is a promise and a trusted relationship.

Which Insurance Agent Is Right For You?

Selecting an insurance agent may be one of the most important things you do.  Every family needs a good accountant, financial planner, and insurance agent to be looking out after their interests.  However, in today’s world, it may be hard to move your thinking away from the idea that the lowest price is the best, to getting the best value for your dollar.

We want to offer you a fun way to learn why your agent is more important than your policy.  We do this in the “Dear Abby” format—except it is “Dear Perk.”

Dear Perk: What does an insurance agent do?  In addition, is one really needed?  From – Wondering Will.

Dear Will:  A good insurance agent will help you understand what kind of insurance you need, first by educating you, and then offering solutions specifically designed for your family.  An agent asks you questions like, “What keeps you up at night,” or “Tell me about your lifestyle?”  Without an agent, there is no one looking out after your needs. Your agent will be there for you in the event of a claim and can provide valuable advice to make sure you get the full value of your policy.

Dear Perk: Aren’t all insurance agents the same?  From – All The Same Sam.

Dear Sam: No, insurance agents come in many different forms.  I recommend independent agents who represent many different insurance companies.  They are familiar with all types of policies from different carriers in the marketplace, and will create a better value by selecting what is best for their clients and not just selling you what products they have on hand.

Dear Perk: Our family has been blessed with great jobs that have allowed us to afford many luxury items.  Do I need any special kinds of insurance?  From – Very Blessed Brian.

Dear Brian: There are some very specific kinds of insurance we might recommend to people who have a high net worth.  Of course, we would want to meet with you to ask a series of questions in order to educate you and create a personal insurance portfolio just for you. However, here are a few ideas to get you thinking about your insurance needs.

Have you considered:

  1. A personal umbrella policy. This coverage offers higher limits for people who desire to protect their wealth in the event of a serious claim.
  2. Insurance for collections. Many people have wine collections, art, jewelry,and other high-end items that need to be insured.
  3. Insurance for a second home. If you own a vacation or rental home it is important to have that insured.
  4. Loss of use coverage. In the event your home is damaged, and you need to move out during restoration, you need coverage for a hotel, food, and other expenses. These can be covered under your homeowner’s insurance.

These are just a few thoughts we have regarding the importance of your insurance agent. “We believe insurance is not a product, it’s a promise and a trusted relationship”.  Please make time to hire the right agent with whom you can build a trusted relationship.  Then follow their advice and direction.

 

 

Why Insurance Advice Is Better Than A Policy

The quality of your agent will determine the value of your insurance policy

If you watch any TV, you have seen the typical insurance ads that tell you their coverage is better than their competitors. Many of these ads are very clever, but they mislead the viewers into buying insurance the wrong way.

We want to offer you a different way of looking at insurance. That is, your agent should be your trusted advisor guiding through the insurance purchasing process. Insurance policies like insurance companies are all different, and you need someone you can trust to help you find the highest valued insurance, not the lowest priced insurance. What many people fail to understand is that policies or “promises” differ from company to company.

If We Ran An Insurance Ad, It Might Look Like This

  • We place people before policies.
  • Collaboration always leads to greater value
  • Insurance is a promise, not a product.
  • We would educate you then sell to you.
  • Insurance is not a one size fits all.

Let Get Practical

What does this look like to the average insurance buyer? It starts with us asking questions and listening to you. We help you identify your needs and risks, talking about possible solutions then providing options. Sometimes we might recommend not buying insurance.

What Are the Benefits To You?

Our clients have the security and peace of mind knowing that their agent is a partner with them. They have a trusted relationship with someone who understands their individual needs and is not trying to sell them a policy, but protect their assists. Our relationship approach provides our clients with the knowledge that someone understands their needs and they have more than just an insurance product they have a valued relationship that goes beyond a policy

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