Entoro Insurance Services Monthly Newsletter Aug 15

August 15, 2023

Types of Property and Casualty Insurance Policies

Fire Insurance

It is paramount for businesses and individuals to protect their assets from the growing threat of fire. Homeowners and commercial property insurance often include fire insurance, but you can purchase it separately if you need additional coverage. Supplementing your existing policies can bring benefits and save you a lot of money, especially if your businesses or properties are in areas susceptible to forest fires.

The three main areas of fire insurance claims include:

  • Structure: Coverage for repairs to physical property, including exterior buildings like sheds and garages.
  • Contents: Coverage for damaged personal belongings at a replacement or actual cash value.
  • Additional Living Expenses: Coverage for the cost of maintaining a comparable standard of living while the property is inhabitable.

Reach out to EIS to learn more about policies that can help you safeguard your assets from fire damage

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Success Story of the Month

Navigating Tech Complexities with E&O

EIS recently connected a medium-sized technology company with comprehensive Errors and Omissions (E&O) insurance coverage. Acknowledging the complexities of the tech industry, the company's leadership proactively sought E&O insurance to effectively manage potential claims arising from inaccuracies in their services and products. EIS diligently delved into understanding the company's unique offerings, resulting in a well-aligned E&O policy with ample coverage. It was a mutually beneficial outcome for all parties, and the EIS team looks forward to supporting other technology companies in the future.

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Insurance for Thought

Is Cyber Insurance worth the cost?

In a world of increasing connectivity and widespread data generation, businesses find themselves vulnerable to cyber-attacks and data breaches. With cyber-attacks becoming more sophisticated, the absence of cyber insurance can become financially disastrous. The costs of a cyberattack or data breach can escalate quickly — from notifying affected parties and recovering lost data to payments to consumers affected by the breach and more.

Businesses can't afford to ignore the value of cyber insurance. They must take a proactive approach by assessing their specific needs and determining which coverage aligns best. Cyber insurance policies have the potential to cover both first-party and third-party aspects, contingent upon the policy type and its established limits.

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Entoro Insights: A Look at Our Latest Achievements

What is Clear Rating?

Valuation and Rating Services

Truth – Transparency – Trust

Clear Rating, located in Houston, TX, offers a suite services including bespoke private company valuations, digital securities ratings, and carbon credit ratings. A sound partner at all stages of the business lifecycle, Clear Rating helps companies and investors understand what their investments are worth and how they rate against the competition. From one recent client, “Our Clear Rating report helped us secure the funding we need to grow our business. The team was very responsive and worked with a tight deadline."

Beyond valuations, Clear Rating also offers digital securities ratings and carbon credit ratings. Check out an example of their carbon credit ratings report for FREE by clicking the link below.

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Entoro Insurance Services

Entoro Insurance Services, LLC (EIS) is a Texas-licensed insurance brokerage. We are a trusted partner dedicated to continuous improvement, professionalism, and the highest ethical standards in the industry.  Our focus is delivering specialized insurance solutions, protecting client assets, managing risks, and ensuring peace of mind. We help clients limit liabilities allowing them to focus on what matters.

EIS Contacts

Doug Higgins
Managing Partner
Entoro Insurance Services, LLC
D: +1 863.581.6194
E: dhiggins@entoro-insurance.com

Jeysel Huezo
Operations Associate
Entoro Insurance Services, LLC
D: +1 832.987.3883
E: jhuezo@entoro.com

John Terrill
Director of Business Development
Entoro Insurance Services, LLC
D: +1 832.275.1672

E: jterrill@entoro.com