Category Archives: Business: Insurance

Press Releases from the Insurance world, What’s new, Popular, Trending and News Worthy. In the ever changing industry of Insurance.

Team Cymru First Cybersecurity Partner to Join MANRS to Improve Routing Security and Keep the Internet Safe


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Having Team Cymru as part of the MANRS community is an important step in adding routing security information to existing data sources such as the MANRS Observatory.

The Mutually Agreed Norms for Routing Security (MANRS) initiative, supported by the Internet Society, today announced that Team Cymru has joined the program. MANRS mission aligns closely with Team Cymru’s objective of reducing the most common threats to the Internet’s routing system.

Routing security is vital to the future and stability of the Internet. Last year alone, there were 12,600 routing outages or incidents, such as route hijacking and leaks, that led to large-scale Distributed Denial of Service (DDoS) attacks, stolen data, lost revenue, reputational damage, and more. Whether it’s a planned attack or a configuration mistake, routing incidents have global impact and in many cases are difficult to detect.

MANRS addresses these threats through technical and collaborative action across the Internet, creating a baseline of routing security for network operators around the world. Those who join MANRS agree to specific actions to improve the resilience and security of the routing infrastructure to keep the Internet safe for businesses and consumers alike. Over 300 ISPs as well as IXPs, CDNs and cloud networks now participate.

Team Cymru, a trusted leader in Internet Security across the globe, will join MANRS’ efforts to secure the Border Gateway Protocol (BGP). One of Team Cymru’s longest running services, the Bogon Reference Project, seeks to assist network operators in increasing their routing policy security. Team Cymru’s Unwanted Traffic Removal Service (UTRS) runs over BGP, and the company maintains searchable records of changes to the global routing table for audit purposes. The spirit of the MANRS effort resonates with Team Cymru’s vision of a more secure Internet brought about by coordinated community engagement and response.

“We joined MANRS because we believe in the community of the Internet and the potential it creates. MANRS captures the spirit of efficient and safe networking and shows that when the community comes together, and when there is a growing sense of shared responsibility, we can protect the core of the Internet. We look forward to doing our part to make MANRS and the Internet as successful as possible,” said David Monnier, Team Cymru Fellow and Director of Client Success at Team Cymru.

Awareness of MANRS and routing security in general has also been increasing in the wider world. In January 2020, a World Economic Forum (WEF) report recommended that ISPs should strongly consider joining MANRS to improve the security of the Internet’s global routing system.

“Having Team Cymru as part of the MANRS community is an important step in adding routing security information to existing data sources such as the MANRS Observatory. Team Cymru is the first cybersecurity team to join the MANRS initiative and will help increase visibility of routing security issues that have not traditionally been part of CSIRT (Computer Security & Incident Response Team) portfolios,” said Aftab Siddiqui, Internet Society’s Senior Manager of Internet Technology.

MANRS comprises simple but concrete steps for network operators that are essential to improving Internet security and reliability. In joining MANRS, participants commit to implement actions to address common challenges related to routing security:

  • Filtering: prevents the propagation of incorrect routing information. This technique provides assurance against configuration errors that can lead to “hijacking” traffic directed to other networks, resulting in widespread outages.
  • Anti-spoofing: prevents traffic with spoofed source IP addresses, a practice that can help dramatically diminish the prevalence and impact of distributed denial of service (DDoS) attacks.
  • Coordination: facilitates timely communication and coordination among peers, which is essential for incident mitigation and better assurance of the technical quality of relationships.
  • Global validation: encourages network operators to publish routing data, which is essential for limiting the scope of routing incidents, making the global system more resilient.


For more information on MANRS, visit https://www.manrs.org.

About the Internet Society

Founded in 1992 by Internet pioneers, the Internet Society (ISOC) is a global non-profit organization working to ensure that the Internet remains a force for good for everyone. Through its community of members, special interest groups, and 150+ chapters around the world, the organization defends and promotes Internet policies, standards, and protocols that keep the Internet open, globally-connected, and secure. For more information, please visit: http://www.internetsociety.org.

About Team Cymru

Since 2005, Team Cymru’s mission has been to save and improve lives by working with public and private sector entities to discover, track and take down threat actors and criminals around the globe. We do this by delivering comprehensive visibility into global cyber threat activity. Team Cymru collects, processes and aggregates global network traffic and 50+ other types of data to give our clients Pure Signal™. This provides the broadest visibility into malicious activity across the Internet. We are scoring 94,000,000 events per day and delivering that information to our users in an actionable way. The most advanced cybersecurity teams and investigators around the world rely on our solutions to uncover the who, what, when, where and why of malicious behavior. They also leverage this global visibility to identify, map, and block malicious infrastructure before threats even reach their enterprises’ doorsteps. Our data is incomparable — Pure Signal™ — and our partners and clients use it to make the world a safer place. For more information visit: https://team-cymru.com/

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AssuredPartners Announces Acquisition of Cypress Insurance Group, Inc.


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“We work hard to build trusting relationships with our clients and when we find an agency that already has a solid foundation with their community, we know it is a good fit,” said AssuredPartners President and COO Tom Riley.

AssuredPartners, Inc. is pleased to announce the acquisition of Cypress Insurance Group, Inc. of Fort Lauderdale, FL. The team of 20 will remain under the operational leadership of Terry Bond and Debbie Arciola. The agency currently reports $3 million in annualized revenues.

Terry Bond of Cypress Insurance Group said, “Since 1978 we have provided the community of South Florida with our insurance expertise. Our dedication to our clients and employees led us to join one of the largest insurance brokerage agencies in the country and we are truly excited to partner with AssuredPartners.”

Debbie Arciola said, “We are proud to continue the legacy that Roger Bond started when he formed Cypress Insurance Group. We are dedicated to delivering exceptional service for our valued customers and we’re excited to join the growing team in the Florida marketplace of AssuredPartners.”

“We are excited about Cypress Insurance Group joining AssuredPartners as our values, services and resources align and are poised for future growth. We are pleased to expand further in the Florida marketplace with our new partners,” said AssuredPartners Regional President Jack Suber. “We welcome the employees and clients to AssuredPartners.”

AssuredPartners President and COO Tom Riley said, “We work hard to build trusting relationships with our clients and when we find an agency that already has a solid foundation with their community, we know it is a good fit. We are pleased to have the team at Cypress Insurance Group join AssuredPartners.”

For more information on Cypress Insurance Group, Inc., please visit: http://www.cypressinsurance.com.

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BusinessMind selects Zillion’s 1-Click Jewelry Insurance for their Point of Sale Customers


BusinessMind selects Zillion's 1-Click Jewelry Insurance

BusinessMind selects Zillion’s 1-Click Jewelry Insurance

Now our retail jewelers can better serve their customers after the jewelry sale. This is a wonderful opportunity for our entire user base.

BusinessMind has selected Zillion, the insurer that offers 1-Click jewelry insurance as its premier insurance partner, so BusinessMind jewelry retailers can empower their customers with insurance protection in seconds right from their smartphone. The software integration with Zillion is a free feature for BusinessMind users, and jewelers and their customers benefit from the peace of mind in knowing that they have protection through an immediate and modern experience.Customers are no longer burdened by online applications, quoting options, insurance purchase requirements or just plain waiting for an answer. Now, 1-Click, immediate protection, done. Visit http://www.myzillion.com/businessmind to learn more.

“We love innovating and pushing value benefits to our users,” said Raffi Minassian, President of DCIT and the creator of BusinessMind™. “Zillion has a unique and compelling insurance solution, and has made the integration simple and effortless for jewelers. Now our retail jewelers can better serve their customers after the jewelry sale. This is a wonderful opportunity for our entire user base.”

“The new BusinessMind software feature enables a better customer experience,” said Adam Black, Managing Director of Zillion. “We are Reinventing Jewelry Insurance, and are excited to be partnering with a leading point of sale solution in the jewelry industry. Now BusinessMind jewelry retailers can further differentiate themselves and wow customers through graceful innovation.”

About Zillion

Zillion (http://www.myzillion.com) is an insurtech company providing jewelry insurance at point of sale, “making it super easy to protect the things you love”. The company emerged from a simple question – In today’s modern world, why is jewelry insurance still a cumbersome and confusing experience? With Zillion’s technology, consumers can obtain and manage jewelry insurance with just 1-Click. In partnership with local, national and online jewelers, Zillion enables a dramatically better consumer experience, providing immediate insurance coverage at the time of jewelry purchase. With just 1-Click, Customers can now, very simply, walk out of the store with their jewelry, and “wear it with confidence” knowing they are protected. Zillion’s customers are backed by AXA XL, rated A+ Superior by A.M. Best, and one of the largest insurance companies in the world.

About BusinessMind

DCIT Corp (http://www.dcit.com), the creators of BusinessMind™, is a modern cloud based software company providing inventory control, point of sale, CRM, and workshop management software, for retail jewelers and jewelry manufacturers. DCIT provides a full feature set that simplifies and organizes the tasks that all jewelry business performs. The company began in the early 1990s by building custom software applications for jewelry businesses of all types, but realized that even the most disparate systems being built shared certain common requirements and the need for best practices. What emerged was the leading cloud based software that propels jewelers in the 21st century.

Media Contact:

press@myzillion.com

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Langley Roofing Helping Chattanooga Rebuild During Challenging Times


Langley Roofing

Our skilled team of roofing professionals will complete your repair or new roofing project right the first time, on schedule, and within budget.

On Easter night April 12, a devastating EF-3 tornado hit Chattanooga, Tennessee with winds reaching 145 mph. The deadly tornado killed four people and caused widespread property damage. 6,200 homes and commercial buildings were toppled and damaged.

Local businesses, like Langley Roofing, have risen to the occasion to help their neighbors during this difficult time, providing emergency tarps and immediate repair services to residents most at risk of flooding and structural damage.

The tornado damage came less than six weeks after EF-4 and EF-3 tornadoes hit Middle Tennessee on March 3, killing at least 25 people, injuring 300 others and causing more than $1.1 billion in damages.

“Langley Roofing has been established for over 55 years, and we’ve never seen anything like this before,” said Jeremy Langley, owner of Langley Roofing, “out of town ‘storm chasers’ have descended upon our local community, wreaking havoc and exploiting customers with outrageous prices and inferior workmanship. We are doing everything we can to help our customers during this challenging time.”

Langley Roofing enjoys an outstanding reputation in the greater Chattanooga community for delivering affordable, reliable, and quality workmanship. Langley maintains Worker’s Compensation insurance, General Liability insurance, bonding, and endorsements.

The destructive spring weather comes in the midst of the COVID-19 pandemic, when business closures, mandatory quarantine, and social distancing guidelines have impacted the health, safety, and financial security of residents in Tennessee and across the United States.

“We are committed to helping our neighbors in the aftermath of the March and April tornados, and we are sensitive to the unique circumstances resulting from the current health crisis. Our skilled team of roofing professionals will complete your repair or new roofing project right the first time, on schedule and within budget,” said Langley.

About Langley Roofing

Langley Roofing is a premier home roofing provider for the greater Chattanooga area, serving Hamilton County, Catoosa County and other surrounding areas. A third-generation, family-owned and operated company, Langley Roofing is fully insured, licensed and bonded. and a proud member of the National Roofing Contractors Association (NRCA), a member of the Chattanooga Chamber of Commerce, a member of the Homebuilders Association of Greater Chattanooga, and an accredited member of the Better Business Bureau (BBB).

To learn more about Langley Roofing, visit our website at: http://www.langleyroofs.com/ or call (423) 504-5056 today.

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Drivers Should Use Online Quotes To Help Them Find Cheaper Car Insurance


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“Car insurance quotes will help you customize the policy and get the coverage you need at better prices”, said Russell Rabichev, Marketing Director of Internet Marketing Company.

Compare-autoinsurance.org (https://compare-autoinsurance.org/) is a top auto insurance brokerage website, providing car insurance quotes online from trustworthy agencies all over the United States. This website offers car insurance info about different coverage types, available discounts, and money-saving tips.

The number of vehicles that are running on the United States roads has dramatically increased in the past decades. Likewise, the number of traffic accidents also increased. The need for drivers to have financial coverage is greater than ever. In order to find cheap car insurance, drivers must carefully navigate the insurance market. The best way to find cheap car insurance is by using online quotes.


  • Insurance quotes provided by the car insurance companies will ask data about the driver’s identification details and info regarding the car he drives. Information like car make, model, year of production, value as new, VIN, and mileage, is typically required. A quick online search will show the drivers who are the most significant car quotes sites. In order to get the best results, drivers should choose to use the sites that look familiar or more established.
  • Car insurance companies carefully analyze car owners driving records. Traffic violations, DUI driving, and other details from a driving record can significantly affect the insurance premium. Not adding these details when completing a questionnaire is pointless, as insurance companies already have access to all of this data. Insurance companies may also use other factors like the credit score when they determine the premium.
  • Car owners can tweak their coverage and raise the deductibles in order to get lower insurance rates. They can also modify some coverage limits, in order to get better rates. Furthermore, some companies offer discounts for getting quotes online.
  • Check all available discounts. Insurance companies offer different discounts for their drivers. The discounts can vary in value, and how long they last. For example, one insurer will provide a 15% discount for six months, while another insurer will provide a 10% discount for 12 months for the same service. Other insurance companies may offer discounts that other insurers don’t. It’s recommended to do careful research on the market.
  • When drivers are talking with the auto insurance company directly, they have a lot of chances to cut down that initial car insurance policy quote to an offer that is more affordable. Quick quotes do not usually take preferred driver discounts, safety features, and other cost-lowering factors into account, and with some good self-representation or cost limiting tools, car owners could come out with a lower-priced policy.


For additional info, money-saving tips and free car insurance quotes, visit https://compare-autoinsurance.org/

Compare-autoinsurance.org iis an online provider of life, home, health, and auto insurance quotes. This website is unique because it does not simply stick to one kind of insurance provider, but brings the clients the best deals from many different online insurance carriers. In this way, clients have access to offers from multiple carriers all in one place: this website. On this site, customers have access to quotes for insurance plans from various agencies, such as local or nationwide agencies, brand names insurance companies, etc.

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Trusted Advisor Fulcrum Risk Solutions Partners with United Benefit Advisors


“Fulcrum is an outstanding addition to UBA’s family of Partner Firms. The depth of experience they bring in providing tailored programs to their clients and the level of continued service they provide is exceptional,” said UBA Board Chairman, Gary Jurney.

“Fulcrum is an outstanding addition to UBA’s family of Partner Firms. The depth of experience they bring in providing tailored programs to their clients and the level of continued service they provide is exceptional,” said UBA Board Chairman, Gary Jurney. “UBA’s service and benefit offerings grow with the addition of Fulcrum.”

Fulcrum is a full-service broker providing expertise and solutions to companies of all kinds. Fulcrum approaches their clients holistically, creating customizable programs that look at risk management and insurance strategies that align with the business goals of their clients.

“Fulcrum Risk Solutions prides itself on being a trusted advisor for our clients, going beyond healthcare insurance to provide customized solutions that impact their bottom lines,” said Brian Morris, President of Fulcrum Risk Solutions. “As an independent brokerage firm, our new partnership with United Benefit Advisors allows us to leverage a vast network of resources to take our expertise to the next level and stay on the cutting edge.”

About Fulcrum Risk Solutions

Founded in 1994 as a wholly-owned subsidiary of the South Carolina Medical Association, Fulcrum Risk Solutions has 25 years of experience working with clients in the medical community. Fulcrum now provides independent, full-service brokerage services to clients of all types, and is dedicated to providing holistic risk management and insurance strategies to their clients. Through their consultative approach with clients, Fulcrum makes the complicated world of risk exposure simple. To learn more about Fulcrum Risk Solutions, visit http://www.fulcrumrisksolutions.com

About United Benefit Advisors®

United Benefit Advisors® (UBA) is the nation’s leading independent employee benefits advisory organization with more than 200 offices throughout the United States, Canada, England and Ireland. UBA empowers more than 2,000 Partners to both maintain their individuality and pool their expertise, insight, and market presence to provide best-in-class services and solutions. Employers, advisors and industry-related organizations interested in obtaining powerful results from the shared wisdom of our Partners should visit http://www.UBAbenefits.com.

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Amerisure Mutual Insurance Company Names Jim Brannen to its Board of Directors


“I am pleased to welcome Jim to our Board of Directors,” said Gregory J. Crabb, President and Chief Executive Officer of Amerisure. “His demonstrated corporate leadership and knowledge of the insurance industry are exactly what our executive team sought in our newest Board Member.”

Amerisure Mutual Insurance Company announces that Jim Brannen has joined its Board of Directors.

“I am pleased to welcome Jim to our Board of Directors,” said Gregory J. Crabb, President and Chief Executive Officer of Amerisure. “His demonstrated corporate leadership and knowledge of the insurance industry are exactly what our executive team sought in our newest Board Member.” Amerisure’s Chairman, Phillip E. Love Jr., added, “Jim’s extensive expertise in finance, business planning and innovation will be a great addition to Amerisure’s Board of Directors.”

Brannen most recently served as the Chief Executive Officer of FBL Financial Group, Inc., and its related companies including Farm Bureau Life Insurance Company; Farm Bureau Property Casualty Insurance Company; and Western Agricultural Insurance Company. He retired earlier this year after 29 years of service.

During his tenure, he held roles of increasing responsibility including Chief Financial Officer; Chief Administrative Officer and Treasurer; Vice President of Finance; and Vice President of Tax. Prior to that, he spent the early part of his career at EY, formerly known as Ernst & Young.

Brannen also serves on the Board of Directors for FBL Financial Group, Inc. and affiliated companies; and is the Chairman of the Board for Greater Western Bancorp. Inc. He also supports United Way of Central Iowa; Greater Des Moines Partnership; and the Federation of Iowa Insurers. Previously, he served on the American Property Casualty Insurance Association (APCIA) Board.

Brannen received his Bachelor of Business Administration degree from the University of Iowa and is a member of the Iowa Society of Certified Public Accountants and the American Institute of Certified Public Accountants.

About Amerisure

Amerisure Mutual Insurance Company is an insurance organization charged with creating exceptional value for its Partners For Success® agencies and policyholders. As an “A” rated (Excellent) property and casualty insurance company licensed in 50 states, Amerisure provides a comprehensive line of insurance products to protect businesses focused in construction, manufacturing and healthcare through strategically located Core Service Centers. For more information, visit amerisure.com.

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Drivers Can Get Cheaper Car Insurance If They Use Brokerage Websites.


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“Brokerage websites can help you find the best car insurance deals in your area. Visit our website for free online car insurance quotes”, said Russell Rabichev, Marketing Director of Internet Marketing Company.

Compare-autoinsurance.org has released a new blog post that explains why brokerage websites are really useful and how they can help drivers save money.

For more info and free car insurance quotes online, visit http://compare-autoinsurance.org/how-useful-are-auto-insurance-broker-websites//


  • Out of the vast multitude of aggregator websites, brokerage websites are some of the best. Their main purpose is to match their users with insurance providers. Find out more about car insurance and get free car insurance quotes online from http://compare-autoinsurance.org.
  • Multiple possibilities. Unlike official websites of insurance companies, brokerage websites can provide multiple results on the same search page. Some websites ask the ZIP code, then show all available companies in the areas. Other websites ask for the ZIP code, then other preliminary questions. After the questionnaire is completed, they will also show insurance companies that match. These are the 2 ways in which a brokerage website can redirect a user to an insurer.
  • Get in touch with numerous insurance companies. A person who’s not working in the insurance industry is not typically aware of the numerous providers selling coverage in the area. The typical driver is aware of 6-7 big names and 1-2 smaller companies. Keep in mind that not all the big names may be present in and area, this drastically limiting a client’s options. With brokerage websites, a person will investigate how many companies can sell to his/her location and will be given hyperlinks to follow.
  • Free estimates. Every insurance company offers free quotes. This is also true to brokerage websites. Furthermore, this increases the chances of saving more money. Some companies offer discounts for getting online quotes before buying or discounts for purchasing coverage online. Either way, brokerage websites can help driver have a swift and pleasant underwriting process.

Compare-autoinsurance.org is an online provider of life, home, health, and auto insurance quotes. This website is unique because it does not simply stick to one kind of insurance provider, but brings the clients the best deals from many different online insurance carriers. In this way, clients have access to offers from multiple carriers all in one place: this website. On this site, customers have access to quotes for insurance plans from various agencies, such as local or nationwide agencies, brand names insurance companies, etc.

For more information, please visit http://compare-autoinsurance.org

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Homeowner’s Association Budget Season Forces California Condo Property Managers to Reassess The Right Amount of Earthquake Insurance


Motus logo

“While the quagmire of master earthquake insurance and the liabilities facing boards in this regard remain unsettled, this ‘consideration’ standard gives us a reasonable platform to begin to address the master policy question,” said Dan Wallis, CEO and Founder of Motus.

With June comes the start of Homeowner’s Association (HOA) budget season for most property managers, making it the perfect time for boards to meet their minimum legal requirement by “considering” earthquake insurance.

Motus Insurance Services, which just introduced a direct-to-consumer, earthquake insurance program for California condominium associations and unit owners, is poised to assist these boards and their constituents in choosing the best type of coverage to protect their properties during this unstable time caused by the impact of COVID-19.

While legal experts in the HOA space may have varying stances as to whether a board needs to purchase a master earthquake policy, there is one thing all legal minds can confidently say: All boards must consider or do their due diligence with regards to earthquake insurance in order to protect their members.

“While the quagmire of master earthquake insurance and the liabilities facing boards in this regard remain unsettled, this ‘consideration’ standard gives us a reasonable platform to begin to address the master policy question,” said Dan Wallis, CEO and Founder of Motus. “Unfortunately, some boards might ultimately decide against pursuing one, despite the currently precarious economic climate which will make losses hurt even more financially.”

First, how often must a board consider earthquake insurance? Since the master earthquake policy is a commercial policy, it does not have as many regulations as personal lines products – which is good and bad. An agent selling fire insurance to a homeowner must “offer” earthquake insurance to the homeowner every year. So, if a board wished to be as safe as possible, and with California legal precedent unsettled over exactly how often a board must “consider” earthquake insurance, they would consider it yearly.

Their HOA insurance agent would also offer it yearly. However, if a board, in good faith, considers/examines a master earthquake policy every two years, the board would be well-positioned to defend themselves in any lawsuit for “failure to maintain” earthquake insurance. New earthquake modeling occurs at least every three years, so premiums and the association’s risk from earthquake is constantly changing.

Motus says that for boards that truly just want to protect themselves from D&O lawsuits after an earthquake, the key is to pursue as much information as possible in good faith, and thoroughly document their evaluation of it. At a minimum, this means retaining emails among board members as well as a record of the topic in board minutes (at least once every two years).

It is also highly recommended that the board clearly communicates to all unit owners (via email and traditional mail) that they either purchased or declined earthquake insurance. Beyond covering the board’s liabilities, it is the right thing to do for many unit owners, as many assume earthquake coverage is included in the HOA’s master fire policy.

Importantly, the California Department of Insurance deregulated the master earthquake insurance policy at the end of 2017, for good reason. This paved the way for California’s (and the country’s) first ever “master opt-in” earthquake policy – an important new alternative for HOAs and HOA boards. The Department of Insurance thought this was smart for all consumers in California and would encourage and enable more property owners to buy earthquake insurance. If not for the master opt-in policy, unit owners in associations without a master earthquake policy could not fully indemnify themselves after an earthquake. Individual policies in the market were only meant to supplement a master policy, not replace one.

“With budget season around the corner, we recommend that all boards carefully consider earthquake insurance again – and document the process – including the opt-in master policy,” said Wallis. “It was a needed evolution of the master policy that makes more sense to boards – easier on their budgets – while a huge win for unit owners who wish to buy their own earthquake insurance.”

About The Motus Solution

The Motus Opt-In Earthquake Program is designed to bring all the benefits of a traditional master earthquake insurance policy to the more than 30,000 associations and 2.5 million condo owners who are not covered by one.

Only a master earthquake policy can allow a condo owner to fully protect the equity in their home. This is because only a master policy can fully cover damages to residential buildings, foundations, garages, underground pipes and other common areas within the community. Traditional unit owner policies (which are only available to about 1 million of the 2.5 million condo owners who don’t have a master policy) were designed to supplement a traditional master policy – not replace the coverage they provide.

Each Motus Program is a custom-built master policy based on the specific exposures of the association. Once the board approves the Motus Program for its association, each unit owner then has the option to purchase their pro-rated rated share of a master policy – covering unit interiors, residential buildings and common areas.

To learn more about Motus Insurance Services, visit http://www.motusins.com

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How First-Time Drivers Can Get Cheap Car Insurance In 2020


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“Getting affordable car insurance as a first-time driver is not an easy task, but there are several methods that can help them pay less on their monthly premiums”, said Russell Rabichev, Marketing Director of Internet Marketing Company.

Compare-autoinsurance.org has launched a new blog post that presents several useful tips that will help first-time drivers get cheaper car insurance.

For more info and free car insurance quotes, visit https://compare-autoinsurance.org/how-to-insure-first-time-drivers/

First-time drivers are paying some of the most expensive car insurance policies. The lack of experience behind the wheel is the reason why car insurance companies charge more on the premiums of first-time drivers.

To make their car insurance rates cheaper, first-time drivers should follow the next tips:


  • Join an existing plan. First-time drivers, especially teen drivers, are seen as risky by insurance providers because they lack experience, may text and drive, and are more likely to get distracted. Joining the family’s insurance plan is one way to get affordable rates.
  • Choose a slightly used vehicle. When buying the first car, first-time drivers should consider buying a cheaper slightly used car if they want to get cheaper premiums. The cost to replace a vehicle plays into the overall premium.
  • Raise the deductible. First-time drivers who select full coverage car insurance can save some money by raising the deductible. The deductible is the amount the policyholder pays before the insurer pays to fix the vehicle.
  • Consider buying liability insurance only. First-time drivers who have an older car or can afford to replace their vehicle in case of an at-fault accident should consider buying only liability insurance. This policy gives no protection to the vehicles and it covers only the other driver’s bodily injury and property damage.
  • Avoid tickets and car accidents. Being a safe driver is the best way to keep insurance rates low. First-time drivers should do their best to avoid distracted driving, speeding tickets, at-fault accidents, and DUIs.
  • Improve the credit score. Car insurance companies are allowed to use the credit score to rate drivers in every state but California, Hawaii, and Massachusetts. Drivers can improve their credit score by getting their first credit card, paying off their credit balance monthly, or by becoming authorized user on an account with excellent payment history.
  • Shop around. First-time drivers should get as many quotes as they can and compare them. To finish this task faster, first-time drivers should go to a brokerage website.
  • Ask for discounts. To make their policies more affordable to drivers, insurance companies offer all types of discounts such as good student discount, graduating a defensive course discount, getting married discount, installed anti-theft devices discount, telematics discount, multi-policy discount, pay in full discount, and more.

For additional info, money-saving tips and free car insurance quotes, visit https://compare-autoinsurance.org/

Compare-autoinsurance.org is an online provider of life, home, health, and auto insurance quotes. This website is unique because it does not simply stick to one kind of insurance provider, but brings the clients the best deals from many different online insurance carriers. In this way, clients have access to offers from multiple carriers all in one place: this website. On this site, customers have access to quotes for insurance plans from various agencies, such as local or nationwide agencies, brand names insurance companies, etc.

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