Hello friends! What a beautiful Friday it is! The sun is shining! Is everyone getting ready for the holiday weekend? 

It’s Friday, so that means another Featured Local Business! Today we are featuring Bruce Silvestri and his construction company.  Please read below to learn more about his business. 

 Name of Company:  Silvestri Construction

Address & Phone Number:  267-784-3742

Website/facebook/etc.:   email brueve@verizon.net

Services Offered:  All phases of residential construction.  No job is too big or too small!!

Location that you cover:  Most of our work has been in Bucks & Montgomery County.  We do have some customers in North New Jersey.  We will also travel to vacation homes.  We have done several projects in Cape Cod, MA , Delaware and Deep Creek Lake, MD

When was your business established?:  1986

How did you get involved in your business: I had a general knowledge of construction from building oil rigs in Houston, TX.  We moved back to PA in the early 1980’s and worked with other builders learning finer points.  Went on my own in 1986

What is the price range for your services?:  Pricing depends on the size of the project.  If you have a quote for a project already, I will try my best to match or beat it.

Do you run any specials?:   none currently

Anything else you’d like to share?:   Customer satisfaction is my number one priority.  We are very considerate of your home.  We work as neatly and cleanly as possible and never leave you with a mess.  References are available upon request.

Don’t forget if you want us to feature your business, please answer the questions above and email me at cdevlin@websterins.com.  Thanks!

Have a wonderful Memorial Day weekend!!

Do you have a website for your business?  Do you collect customer information as simple as name address, telephone number or a personal as drivers license number, social security, federal ID information, email addresses? If you answered yes then you need a Cyber Liability insurance contract to protect yourself from the cost of complying with the new and evolving legislation being written everyday in all the states and the Federal government. 

What’s at risk you ask? The following are some but I am sure not all of the risks you take when you or your company embraces E-commerce;

• Information Privacy
• Multimedia Protection
• Hacker Damage
• Cyber Business Interruption
• Cyber Extortion
• Information Breach Costs

Information Privacy is your actual or alleged breach, violation or infringement of any right to privacy, consumer data protection law, or other legal protection for personally identifiable information in any form.  It includes your actual or alleged breach of duty to maintain the security or confidentiality of personally identifiable information in any form under any federal, state or local statute, rule or regulation, including but not limited to your failure to comply with your public-facing privacy statement or public-facing privacy policy consistent with any such statute, rule or regulation.

Multimedia Protection is protection against copyright infringement, trademark infringement, trademark dilution, trade dress infringement, publicity rights violations, cyber squatting violations, moral rights violations, any act of passing-off, or any misappropriation of content, formats, characters, trade names, character names, titles, plots, musical compositions, voices, slogans, graphic material or artwork.

Hacker Damage   is damaging, destroying, altering, corrupting, or misusing your website, intranet, network, computer system, programs, or data you hold electronically; copying or stealing any program or data you hold electronically.

Cyber Business Interruption  is caused by the actions of a third party who specifically targets you by maliciously blocking electronically the access to your website, intranet, network, computer system, programs, or data you hold electronically sometimes referred as Denial of Service.

Cyber Extortion is as it implies that you receive, directly or indirectly, an illegal threat during the a third party to damage, destroy or corrupt your website, intranet, network, computer system, any programs you use or data you hold electronically, including by specifically introducing a computer virus, worm, logic bomb or Trojan horse; disseminate, divulge or use any commercial information for which you are responsible which is not in the public domain and will cause commercial harm if made public which you hold in electronic form following any unauthorized external electronic access by that third party; who then demands a ransom for their own benefit as a condition of not carrying out this threat. A ransom means any money, cash, products, goods or services demanded from you.

Information Breach Costs   A breach of personally identifiable information held or transmitted in any form or medium by you, or by anyone on your behalf, including but not limited to that resulting from the loss or theft of any device containing such information.

The costs associated with complying to the State and federal Breach  “Notification Requirements” are enormous and can represent a life ending blow to small and medium sized businesses.

Cyber Liability policies will also address the need to repair the reputation of an individual or organization when a Breach has occurred.

Do you think you are immune from this kind of terror, well the preponderance of claims coming in are from Rouge Employees stealing personal information for illicit purposes.

These contracts are very complex and should be entered into with the counsel of a seasoned insurance professional, IT consultant and knowledgable attorney who has training in or experience in the contents and  knowledge of your particular Cyber situation.

Our agency has such experience and training so if you would want to consult or look at the possibility of securing a Cyber Liability contract for your organization, please call the Webster Insurance Agency, Inc.

We are looking for some businesses interested in being featured in our blog.  With your help, we would like to start featuring a new business every Friday.  The short blog would contain a local business and their answers to some or all of the following questions:

Name of Company:  

 Contact Information/Facebook page/Website/etc.:  

 Services Offered:  

 Location that you cover:  

 When was your business established?:  

 How did you get involved in your business:

 What is the price range for your services?:

 Do you run any specials?:

 Anything else you’d like to share?:

For those interested in participating, please email your responses to the above questions to me, cdevlin@websterins.com.  If you want, (but not required)  attach a photo of your business so I can add it to your post. 

There is no cost involved, just looking to give our policyholders some free advertising!  If you are not a policyholder, you can still participate.  Perhaps just keep us in mind when your business insurance comes up for expiration, and allow us the opportunity to quote you!

Look for our first post this Friday.

No, I’m not talking about psychological stuff here, I simply mean your identity, and how you can keep those nasty people out there from stealing it. Here are a few tips brought to you by Nationwide Insurance^®…

We know you’ve heard about it, seen it and know someone who suffered through it. But how do you keep your information safe?

• Shred, shred, shred. Shred documents with personal or credit card information on them.
• Guard your SSN. Don’t carry your Social Security card with you and have the number removed from your insurance cards.
• Protect your email and computer. Don’t send sensitive information by email. Use a firewall when you connect to the Internet, and use the security features if you use a wireless network.
• Stay current with your credit. Review your credit report at least annually. Take advantage of websites such as annualcreditreport.com.
• Review credit card statements. Make sure you’re getting charged the right amount at the right place.
• Clean out your wallet. Don’t keep more than two credit cards on hand, and make a copy of them to stick in a different place. Also, write “Ask for ID” on the back of your credit cards so not just anyone can sign for you.
• Keep checks in check. After ordering checks, pick them up from the bank yourself. Consider using just your first initial(s) and last name instead of your full name. This will make it more difficult for someone else to forge your signature.
• Secure your mail. Get a locking mailbox, and always take outgoing mail to a public drop-box. Have the post office hold your mail if you’ll be away.
• Watch for “shoulder surfing.” Always be aware of your surroundings. ID thieves can write your numbers down quickly if you leave your card out while completing a purchase. They can even take a picture of your information with something as small as a cell phone camera.
• Shop online with caution. Be sure you’re using a secure site before entering bank or credit card information online. Use site addresses that begin with https rather than just http, and make sure you can find the locked padlock in your browser window.
• Use anti-virus software. Ensure that you are always running the most up-to-date anti-virus program on your computer.
• Choose passwords wisely. Use a combination of upper and lower case letters, numbers and other marks to make it harder to crack or steal your password.
• Protect passwords. Don’t write down your passwords or keep them out where anybody can read them. Don’t allow your browser to auto-fill passwords since these can be easily stolen.
• Beware of “phishing.” Phishing is when would-be identity thieves use a phony email and/or website to fool you into providing your credit card number, password or other information. Don’t respond to these emails. Reputable companies won’t ask for your information in this way.
• Keep your PC clean. Use one of the powerful free spyware removers to make sure that no one is “looking over your shoulder.”
• Don’t respond to phony phone calls. Unless you called the company, don’t provide unknown callers with personal information regardless of who they say they are.

There you go folks, so until next time, keep being you!

Can you believe we’re halfway through the summer? I sure can’t. Boo.

Is anyone planning a roadtrip in the next couple of weeks before this beautiful season comes to a close? Be sure to have that gas tank full, and your car full of your buddies to keep you company for the long ride

Also, it is very important to have your car inspected before any long trip you’re taking. Even if you’re car has recently been inspected, it doesn’t hurt to have an oil change and your tires checked. Oh, and don’t forget to check to make sure you have your registration and proof of insurance with you (as you should whenever you drive), because who knows when you may run into the po-po..

Speaking of insurace, did you know that we cover all types of vehicles, from the typical auto and motorcylcle, to RVs and even off-road vehicles! Wow!

So, have fun on your travels, and be safe out there!