Your policy expiration date is fast approaching, and it is time to start thinking about your renewal.  It is important to evaluate changes that may have occurred in the past year that might affect your insurance needs.  To get your wheels turning, we've prepared a list for you - just one more way that we’ve got you covered!

  • Marital status
  • Baby
  • Pet
  • Teen driver
  • College student
Assets - bought/sold
  • Vehicle - car, motorcycle, boat, RV, ATV, golf cart, etc
  • Primary or investment property
  • Home improvements or additions – roof, windows, plumbing, AC, water heater, electric, hurricane protection
  • Change in mortgage lenders/lien holders
  • Personal items - jewelry, collectibles, electronics
  • Business
  • Extended international travel
  • Quit smoking
We know this isn't a comprehensive list, so please let us know anything else that may have happened over the past year.  We are looking forward to hearing more about your year and making sure we help set you up for success this coming year!

It is fitting that October, the spookiest month of the year, is also Cyber Liability Awareness Month. Cyber scams and attacks are definitely a creepy part of commerce nowadays. Thankfully, there are insurance products to help protect and prevent those tricksters from harming your business. You might not be aware of just how much power a cyber attack wields, so to give you a better understanding I’ll share a truly frightening statistic – just about 60% of hacked small and medium sized businesses close within 6 months.

Many of us have received an email from a Nigerian Prince, or maybe a call from someone saying a family member has been arrested and they urgently need you to wire them money - or better yet, an IRS impersonator threatening you regarding an outstanding tax balance. The point is, the scammers have gotten smarter, but so have we. There is an insurance product now that will protect you from hackers and wire fraud, so you won’t have to pay the penalty for malicious actions taken against you or your business. Now, that doesn’t mean everything is covered, so be sure to review the limits with your agent to better understand what is included and excluded in your Cyber Liability policy. As most businesses have unique risks, there are additional ancillary coverages to make sure you have the best possible coverages for your needs.

It is a blessing we typically have plenty of time to prepare for a hurricane, but it can also lead us to procrastinate or possibly underestimate the amount of damage a storm can generate.  Of course, it is better to overprepare than to be scrambling last minute, but sometimes natural disasters - like flash floods or tornadoes - don’t give us any warning.  Knowing how to prepare yourself and your property is important, but we have noticed knowing how to handle a claim once it happens is sometimes overlooked as part of the preparation process.  It is important to understand the steps ahead of time so you can protect yourself from fraud or damaging delays.

If you experience an incident that results in a claim, the first thing you need to do is make sure everyone is safe.  Call emergency services if you are in need of their assistance.  Once it is safe, you can assess the damage and start the process.  

If you are a motorcycle enthusiast in Central Florida, chances are you have already heard about the organization I am going to introduce today - Ribbon Riders. Here’s something you might not know though - Ribbon Riders was co-founded 10 years ago by one of Jallad Insurance’s very own, Karen McBride! The charity organization’s philanthropic focus is to provide immediate financial assistance to Central Florida residents currently battling breast cancer or dealing with the after effects of treatment. The group is comprised of women who are either breast cancer survivors themselves or are passionate about the cause because breast cancer has touched the lives of a loved one.

Ribbon Riders is celebrating their 10th year and their largest annual fundraiser is happening this weekend! Their GO PINK! event is the 2nd largest motorcycle charity ride in Central Florida. The day includes a scenic and escorted motorcycle ride, grilled lunch, and an afternoon of music, raffles and auctions to help raise funds for their cause. Jallad Insurance is proud to be a sponsor of GO PINK! so Ribbon Riders can further their mission of “providing hope, relief and assistance to those battling breast cancer.”

If you have a bike of your own, or would just like to enjoy the festivities, click on the image below to learn more about Ribbon Riders and their event. We hope to see you Sunday!

go pink 2018

In the last 100 years life expectancy has more than doubled, giving us more time to enjoy life’s pleasures. The medical advancements in health care are even more innovative now with the help of new technologies. And while increased longevity is a blessing, it also means more of us are at risk for developing a long-lasting illness, or disability, that will require additional financial support than we may have planned for previously.

An insurance policy that protects your quality of life in the event of unexpected health issues is Income Protection, also know as an Individual Disability policy. This coverage can assist you in paying bills while you are unable to work due to disability, or if you become unemployed due to your illness. You may think that is what Worker’s Compensation is for, but 95% of disabling accidents/illnesses are not work related, which means Work Comp wouldn’t cover you. Personal savings may not be able to sustain your needs for a prolonged period of time either, especially since a recent Federal Reserve study found that 47% of Americans wouldn’t be able to handle an unexpected emergency costing $400. Insurance is a safety net to use in case of emergencies, and protecting your paycheck is no different. Plan ahead for the what-ifs in life, so you can focus on recovering and get back on your feet sooner.

Life Insurance policies can also include supplementary financial benefits. This is accomplished by adding “riders” to your policy. The Care4Life Acceleration Rider is a popular addition, as it allows you to receive an advance on a portion of the total death benefit. This can be used to cover medical expenses, make modifications to your home, provide for help around the house, or even fund a trip with your loved ones. You can use the advance on the policy to fund your end of life needs, while still maintaining a death benefit for your beneficiaries to use towards your final expenses, as well as providing them financial stability and ease of mind after you’re gone.

Providing care for yourself or a loved one with a chronic, critical or terminal illness can be financially burdensome. Use these products to prepare and protect yourself, and them, from that possibility.

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LSJ Insurance Agency Inc., Insurance Agency, Maitland, FL