Cybersecurity, and why it’s important.


Keep Your Data Safe. Get Cybersecurity Insurance.


Whether it’s personal or business, everything important is stored or processed online these days. This is the case even more so since the pandemic pushed everyone into their homes and all lines of communication became digital. While the convenience and accessibility is incredibly important, putting our lives and businesses online has created an Achilles’ heel that many hackers are using for their own benefit.

Hackers are getting smarter as technology advances. Just in 2021, there have been large attacks that have dramatically affected the United States. Startling examples include the cyber attack on the Colonial Pipeline this May that cost the company a $5 million ransom, and the cyber attack on JBS, the world’s largest meat processing company, that caused factory shutdowns world wide.

While it is more unlikely that small businesses or the everyday man would be targeted for these kinds of attacks, it still happens. Leaving yourself open for an attack is dangerous, and buying cybersecurity insurance can protect you in the worst-case scenario.


What is Cybersecurity Insurance?


Cybersecurity insurance covers businesses and individuals against threats to online risks and liability. This can include things like coverage for data breaches, identity theft, and personal data theft. The core tenet of this insurance is helping people and companies recover from disastrous financial data hacks or personal data breaching.



If you’re a business, consider what your company needs protected the most. Protecting clientele information might be the first step you want to take with cybersecurity insurance. This would ensure that you would be covered in an incident in which client information, such as credit card numbers or Social Security numbers, is leaked. From there, protecting your own company’s information, as well as your employees’, might be on the top priority list. Figuring out what kind of coverage you need will help determine the best plan for you.



If you’re thinking about getting coverage for yourself, consider what is most important. Identity theft has become even easier with all our data being online. Keep yourself and your financial information safe through a plan that covers online data breaches. Just like a business, finding a plan that works best for what you need is incredibly important. Talk with an agent to decide what type of coverage might be best for your household.

Cyberattacks are scary, but there are ways to protect yourself and your personal information. Keep in mind, buying cybersecurity insurance is only part of the job! Make sure you’re doing everything you can to protect your data on your side as well. From complicated passwords to careful management of data, there are plenty of ways you can protect your information from being easily stolen.

Do I need renters insurance?

You will want to make sure that they receive appropriate coverage before moving into a new home. This need includes both property owners and renters. If you are going to rent a home here, there are a few reasons that you will need to have insurance.

Renters Coverage is Best Way to Protect Yourself

A reason that you should get renters insurance is that it is the best way that you can protect yourself. Those who move into a new rental home will bring personal items with them and take on some different liability risks. To ensure you are able to repair or replace your items and are protected against this risk, you need to get a full renters insurance policy.

Coverage is a Lease Requirement Set By Landlord

You will also want to get a renters insurance policy to stay in good standing with your landlord. A property owner knows that a renters insurance policy will give important protection and coverage to their tenants. As this can indirectly benefit a landlord, they often require that you have a full policy in place when your lease term starts. If you do not have this coverage and it is required, it could nullify your lease.

Getting renters insurance in Arkport, NY will always be a good investment. If you are going to get this insurance coverage here, you will want to speak with the team at Genesee Valley Agency – we also serve all of the Genesee Valley, Upstate & Western NY. Choosing a renters policy takes a lot of experience and analysis. The team with Genesee Valley Agency will explain your options and ensure you choose a policy that will provide you with the best type and level of coverage.

An Introduction to Umbrella Insurance

You might not be familiar with secondary insurance, umbrella insurance. The term secondary or secondary insurance refers to a type of insurance policy added to an existing primary policy. You must have the primary policy to purchase the secondary type.

Umbrella insurance provides liability coverage over and above the liability provisions in your homeowner’s, renter’s, auto, boat, RV, or business insurance. If you own any of those primary insurance types, you can add an umbrella policy from Genesee Valley Agency.

Since you already have liability coverage, you probably wonder why you would want more of it. The liability coverage on those primary coverages only provides limited coverage. You can choose the coverage on an auto, boat, or RV policy, but your home coverage provides a percentage of your home’s value as to liability coverage. Typically, this is about ten to twenty percent. That means if your Arkport, NY home value is $100,000, your liability coverage is $10,000 to $20,000.

While that might sound like a lot, imagine that an accident occurs at your home. It injures three people. Perhaps a fire breaks out or pushes someone else into the swimming pool, striking a third person. The average hospital stay costs about $15,000. Your home insurance could not cover all three individuals. In fact, without an umbrella policy, you would end up paying for the other two people’s bills out of pocket.

Umbrella insurance costs little but provides vital coverage. Most individuals can easily afford a half-million- or million-dollar policy. Contact Genesee Valley Agency, serving the Arkport, NY area, to learn more about how you can protect your financial health with umbrella coverage.

Professional Assistance For Medicare Health Insurance In New York

Avoid The Medicare Confusion!

The difficult truth about Medicare health insurance in New York is that not many people have the coverage that they truly need. Because the Medicare system is quite complicated, many people don’t have the time or resources to truly grasp their available options before diving in. As a result, many people have medicare coverage that doesn’t cover all of their individual needs. These people simply opt into the least expensive option and call it a day. But there is a way to avoid this happening to you or your loved ones! At the Genesee Valley Agency, we have years of experience navigating this space, and we can guide you to where you need to be! Let us know if you need help, and we will work closely with you to find the optimal solution!

Understanding Your Needs

The main issue with Medicare health insurance in New York is that the coverage options are complicated to the untrained eye. However, the team at the Genesee Valley Agency is trained and experienced, so it is no problem for us to handle! We will speak with you to identify your different needs for coverage, and then we can help you find the appropriate coverage. We can even help with supplement Medicare health insurance if you have any special cases. Everyone is different, and the system doesn’t offer enough explanation for individuals to search for these differences, but we can do the dirty work for you so you don’t have to!

Get In Touch With The Genesee Valley Agency

If you need help with Medicare health insurance in Arkport, New York, and the surrounding areas, get in touch with the Genesee Valley Agency today! We will make sure that you or your loved ones get all of the coverage they need for their prescriptions or other special cases, and we will leave no box unticked! When you choose us, you are choosing a team that works hard every day to bring customized solutions straight to our customers. Call us at (833) 781-5556 to find out more!

Medicare Health Insurance In New York

What To Do With Rising Healthcare Costs?

The sad truth is that healthcare costs are rising and the Medicare system is confusing. Because of this, many seniors end up choosing a Medicare program that is cheap and affordable but may not entirely cover all of their needs. The Genesee Valley Agency is dedicated to helping its customers avoid this scenario for everybody involved. If you or your loved ones are seeking the appropriate Medicare health insurance in New York, get an expert involved. We can walk you through the different available options to help you find one that suits your medical needs as well as your available budget.

The Medicare Breakdown

If you didn’t know, Medicare has four parts: Part A, B, C, and D. Part A is the original coverage and includes hospital insurance. Part B includes doctors’ services, outpatient care, and home health care. Part C is run by private companies and includes both Parts A and B as well as some prescriptions. Lastly, Part D is also run privately and includes prescription drugs in order to lower costs and protect from higher future costs. Does this sound confusing to you? If you need assistance with Medicare health insurance in New York, the Genesee Valley Agency is here for you! Rest easy knowing that you have an expert on your side when you need us the most.

Call Today To Talk To An Expert

Your health is not something you want to gamble with, so call an expert to talk about Medicare health insurance in New York today. The team at the Genesee Valley Agency has a background in insurance, and we can help you with all of your Medicare needs. Do you need help finding the right plan for you or your loved one? Don’t worry about the daunting task of learning all about the Medicare system alone. When you work with us, we form an unstoppable team. Call us at 607-295-7431 for assistance today.