Online Holiday Shopping Cyber Safety Tips

This year, online holiday shopping is expected to be at an all-time high as a result of the ongoing COVID-19 pandemic and efforts to continue social distancing. What is traditionally a highly anticipated day for holiday deals, many retailers will even be closed for the Thanksgiving holiday and Black Friday to help limit large gatherings and to encourage online shopping. With the influx of digital shoppers also comes the increased risk of cyber scams and crimes. 

If you plan to join 66% of U.S. shoppers and make your purchases online this year, use these tips to help protect you and your information online this holiday season.

Never give out your personal information

This is the number one rule of cybersecurity yet more and more people are falling victim to identity theft each year. One of the common scams is a phone call or an email from someone requesting your credit card number or other personal information to complete a purchase or to help a loved one. For example, someone calls you and tells you that you’re the beneficiary of a large sum of money from a long lost relative and you just need to send them your bank information. These types of calls are on the rise this time of year and can wreak havoc on your financial assets should they hack into your accounts. 

Unless it is a trusted source and someone you’re familiar with, never give your personal information out over the phone or email or to an unsecured website. If you’re ever hesitant whether it’s a scam or not, you can call your local police department to report it or contact your bank to freeze your finances.

Check your statements

In general, you should be checking your bank statements frequently for fraud. This time of year, you should be especially mindful of your transactions and monitor them in the days following your purchase. A few key things to look out for:

  • Make sure the name of the business you purchased from is correct.
  • Double-check the total amount you were charged.
  • Keep an eye out for any follow-up charges from an unknown source. 
  • Immediately report any fraudulent charges to your bank.

Shop directly through the business

Today, there are a number of third-party phone apps and websites that allow you to make purchases through sources other than the retailer itself that offer deals and discounts that seem too good to be true — and they probably are. To ensure you protect your information, it’s best to go straight to the retailer website to make your purchases or contact the retailer to make sure their affiliation is real.

Avoid public Wi-Fi

If you’re out and about, it might be tempting to hop on your phone and make a purchase while it’s on your mind. However, using public Wi-Fi opens you up to a number of scams and hacks. Your best bet is to make a note about what you want to buy and then make the purchase when you’re connected to a secured network. 

Never autosave your information

One of the best perks of online and mobile shopping today is that you may just need to click one button to make a purchase. As convenient as this is, it’s also really dangerous for your finances and makes you vulnerable to an attack. You should never save your bank information or personal information when checking out on an online retailer. It might be an extra step to add it in each time, but you’ll be glad you did if someone ever tries to steal your identity. 

Update your software

Computer and mobile devices are constantly updating their internal software to help protect you. As technology evolves, so do cybercriminals and they’re always finding new ways to hack into your network. As tempting as it may be to click “remind me later” when asked about completing a software update, you should really try to stay up to date with these, especially if online shopping frequently.

Double-check the URL

Hackers have become fairly smart and developed websites to look almost exactly like the ones you’re used to seeing if you frequent a particular retailer’s website. Before you make a purchase, double-check the URL to make sure it has the lock icon and has the “s” after http, which means secure. 

Additionally, you should consider only shopping from familiar sites this year. With crimes on the rise, you’ll be more likely to recognize fraud if you’re browsing a site you have visited many times before. 

Stay up to date on current scams

New scams come up every day so it can be challenging to keep up with them all. If you get a suspicious email, phone call, or are unsure if a website is safe, a quick internet search can help you identify others who may have experienced a similar scam. Additionally, you can call your local police department to report suspicious activity or to see if others have reported similar cyberattack attempts. 

We hope these tips help you stay safe throughout the holiday season. To review your current insurance policy or speak to an agent about your options for extended coverage, please visit our website. https://www.quincymutual.com/find-agent.htm 

Guide To Business Insurance

If you’re a business owner, you know how much work goes into building your brand from the ground up. 

After all the long hours and hard work you’ve put in, the last thing you want is to lose it all in an instant. To help protect your business and yourself, there are a number of different types of insurance you should consider obtaining. Your needs will depend on what type of business you’ve developed and we’re here to help you explore your options and find the right coverage for your needs. 

Business Owner’s Policy (BOP)

The most common type of commercial insurance is a business owner’s policy (BOP). This type of coverage combines property and liability insurance into one policy to help protect you financially from claims relating to fire, theft, or other unexpected disasters. A BOP can also protect you from claims resulting from bodily injury or property damage.

Since each business has unique needs, BOPs can usually be customized to fit your risks. Your local insurance agent can work with you to help you determine your needs and help you take the first step in obtaining this coverage.

If you’re not sure you need a business owner’s policy, here are a few circumstances that would require coverage:

  • You have a physical location for your business.
  • There is a possibility of getting sued by a customer — for example, a patron slips and falls on your property.
  • You have assets that could be lost, stolen, or damaged. This pertains to digital assets and physical. 

Commercial Auto Insurance

Did you know that your personal auto policy does not cover you if you’re using your vehicle for work? For example, if you’re making deliveries in your personal vehicle and get in a car accident with another driver, you may not be protected from the medical or damage expenses. 

If you’re using your vehicle for business purposes, you definitely want to explore your options for a commercial auto policy. This will provide you with comprehensive coverage for private passenger vehicles and light to medium trucks and trailers with service, retail or commercial uses. Full coverage is available for your vehicle and coverage limits of up to $1,000,000 are available for liability.

Employment Practices Liability Insurance (EPLI)

This type of insurance provides financial protection from a variety of employment lawsuits and complaints, from discrimination and retaliation to sexual harassment. It can also protect you from administrative actions filed for wrongful discharge, defamation, and invasion of privacy.

Cyber Insurance

On average, 43% of all cyberattacks target small businesses. If you don’t have a cyber insurance policy, you’re at risk of losing your business in the event that you experience an attack. There are many different types of coverage and services you can obtain when it comes to a cyber policy, but in general, it will protect you from damages caused by electronic threats to your computer system and data. Here are a few instances that you’ll be protected from with this type of policy:

  • Someone hacks into your system and steals customer data such as social security numbers, medical records, or credit card information.
  • Costs related to recovering data after a loss.
  • Legal fees and settlements related to a breach of data.
  • Coverage costs related to an investigation after an attack.

Other Types of Coverage to Consider

You may not need all of these types of coverage, but to help you protect the business you’ve built, here are a few to consider:

CoveragesWhat’s Covered
Property insurance
This protects your business and its physical assets and any repairs related to theft, damage, fire, or loss.
Product liability insuranceCoverage on claims related to product defects. If you sell an item that results in injury or property damage, this will protect you financially from any liable responsibility.
Business interruption insuranceThis will compensate you for income loss due to physical damage to a property from a natural disaster or accidents resulting in a suspension to normal operations.
Home-based businessesIf you’ve started your business from home or now operate out of your home, your homeowners’ policy doesn’t cover any costs related to your business. This helps you in the event of loss or damage to your data or inventory.

How to Obtain a Commercial Insurance Policy

Now that you’ve worked so hard to build your business, let us help you protect it. To make sure you have everything you need to protect you and your business financially, speak with a local agent who can help you understand all your coverage options. Visit our website to find an agent near you


Beginner’s Guide to Personal Insurance

If you’ve never purchased your own insurance policy before, the process of understanding and exploring your coverage options may be overwhelming. In addition to all the technical jargon used by insurance agents, there are a number of factors that play a role in determining which plan you should consider. From home to auto insurance and everything in between, we’ve created a guide to help you understand your options and to ensure you have protection when you need it most.

What is insurance?

In short, insurance is financial protection from the unexpected. When you purchase an insurance policy, you are entering a written contract between yourself and the insurer for a period of time and agreeing to pay a premium for your coverage. Typically, your premium will be based on the amount of risk your insurer perceives you to be. For example, a driver with a number of citations to their name is a higher risk than an individual with a clean driving record. 

Who needs insurance?

Insurance coverage needs vary by individual and in most states, auto insurance is the only type of policy you are required to have if you are a licensed driver. However, whenever you have something of value that you’d like to have financial protection from in the event of a loss, you will need insurance. 

Auto Insurance 101

If you’re a licensed driver, you need auto insurance. From bodily injury to property damage, this type of coverage is essential and can help protect you from many types of unexpected events. Here are just a few examples of risks you may encounter as a driver that would be covered by an auto insurance policy:

  • You cause a minor collision with minimal damage but an individual in the other car is experiencing neck pain.
  • An uninsured driver hits your car in a parking lot.
  • A tree falls on your car during a storm.

Depending on your needs, there are several different options available to you for auto insurance and many insurance carriers offer optional endorsements such as auto lease coverage.

Protecting your home: homeowners vs. renters insurance

Whether you’re a renter or have purchased your own home, where you live is a major financial investment. As such, you’ll want to be sure you’re protected from unpredictable events like water damage, theft, fires, storm damage, and lawsuits from individuals who were injured on your property. 

  • Homeowners insurance — this essential coverage protects your home itself and any attached structures such as a deck or a garage, as well as any detached structures at your residence. Your belongings will also be covered up to a certain amount and it’s best to conduct a home inventory once in a while to ensure you have the appropriate amount of coverage for your valuables. Additionally, a homeowners policy covers you should you be found negligent in causing bodily injury or property damage to another party.
  • Renters insurance — if you don’t own your home and are renting an apartment or house, we highly suggest you consider this optional coverage. While your landlord will be responsible for any structural damage to the property from storms or natural causes, this will protect your personal property and personal liability while you live at the residence. For example, if you experience a loss due to theft or a fire caused by a neglected candle. Also, if an individual falls and breaks a bone while on your property, you’ll be covered for any legal damages that may arise as a result of the incident.

Umbrella insurance

If you’d like to have a little extra peace of mind, consider umbrella insurance. This policy endorsement will provide you and your family with additional liability protection over the underlying coverage provided by auto, homeowners, or boat insurance. Though no one anticipates facing a multi-million dollar lawsuit, the unexpected can happen and if it does, you’ll be glad you’re prepared. You can learn more about umbrella insurance policies here.

Coverages to consider

Aside from the essential coverages for your home and car, there are several other types of insurance policies you may want to consider. 

  • Boat and watercraft insurance — your homeowners policy offers limited coverage for these types of possessions. There are endorsements you can add to an existing policy for boats of a certain size, but it’s best to consult with your insurance agent to make sure you’re properly covered.
  • Rental property insurance — any property that you do not primarily use as your permanent residence may not qualify for a homeowners policy. Though similar to a homeowners policy, this coverage applies solely to the rental property and is not owner-occupied. Learn more about protecting rental properties here.
  • Cybersecurity insurance — the convenience of a technology-driven world doesn’t come without risks. Should you find yourself the victim of identity theft or a cybersecurity hack, you’ll be thankful you took precautions to protect yourself. At Quincy Mutual, we offer several free services to help you prevent and detect identity theft and fraud.

How to obtain an insurance policy

There are endless options when it comes to obtaining insurance coverage. We work with over 500 independent agents who are ready to help you as you explore your options and understand your coverage. When you work with a local agent, you can rest assured knowing that you’re speaking with an individual who can offer hands-on assistance whenever you need it. They will work with you to create personalized coverage unique to your needs and support you through the claims process. Find a local agent near you on our website.

Essential Guide to Moving

Whether it’s your first time moving into a new home or you’ve moved many times before, there is still a laundry list of things you need to do as you prepare for this new chapter of your life. There’s no way to sugarcoat it, preparing for a move can take months and cause a lot of stress on you and your family. Luckily, there are many ways to plan ahead to make the entire experience much more tolerable and to ensure the transition from one home to another goes without any hiccups.  Continue reading “Essential Guide to Moving”

How to Prepare for a Hurricane

This year, experts are predicting a stronger than average hurricane season with as many as 19 possible storms over the next several months. We’re likely to see the peak of the season from August through September, making now the perfect time to prepare for a potential storm. Even though we typically do not experience the eye of the hurricane up here in New England, there is a possibility for any storm named in the Bahamas to travel up the coast, bringing the danger of extreme wind and rain. It only takes one strong storm to cause severe damage and devastating flooding to an area, so it’s important to make an emergency plan, assemble an emergency kit, and stay informed. 

Continue reading “How to Prepare for a Hurricane”

How to Enjoy the Summer Amid the COVID-19 Pandemic

A few weeks ago, many of us were wondering what the summer months would look like here in New England as we reached the peak of the COVID-19 pandemic. Now that the first day of summer is right around the corner, we have a little more insight. We can still enjoy beach trips, cookouts, and picnics in the park, but many summer activities might look a little bit different this year. As the CDC and local officials continue to encourage a number of safety protocols and public guidelines, you may not be able to carry out all your usual summer plans, but there are still many ways you can safely enjoy the next few months as we begin the gradual process of getting back to business as usual. 

Continue reading “How to Enjoy the Summer Amid the COVID-19 Pandemic”

The Importance of Car Maintenance During a Driving Hiatus

For many of us as we help to flatten the curve, our cars have been sitting in the garage, driveway, or on the street for several weeks now — leading to a spike in the number of dead batteries according to AAA throughout April. And, for many states here in New England, we still may have several more weeks to go before most employees return to their businesses and life begins to pick back up again. 

Continue reading “The Importance of Car Maintenance During a Driving Hiatus”

How To Successfully Work From Home

Over the last few weeks, we saw a steady increase in the number of companies shifting to a remote-work policy to help combat the spread of the coronavirus. In Massachusetts, Governor Charlie Baker issued an emergency order requiring all non-essential businesses and organizations to close their physical workplaces until Monday, May 4th. However, these businesses are strongly encouraged to continue operations remotely.  Continue reading “How To Successfully Work From Home”