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Home » Archives for Agency

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December 4, 2023
Agency

Older Driver Safety Awareness Week

Older Driver Safety Awareness Week, held each December, serves as a critical reminder of the importance of road safety for our aging population. As our loved ones grow older, their ability to drive safely can change, and our responsibility is to help ensure their well-being behind the wheel. Why Older Driver Safety Awareness Week Matters […]
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November 29, 2023
Agency

The Importance of Insurance to Value for Commercial Property Coverage

When purchasing or renewing their commercial property insurance, it’s vital for businesses to ensure such coverage includes correct property valuations. Doing so can make all the difference in providing sufficient protection and preventing coinsurance penalties amid covered property losses. That’s where conducting accurate insurance-to-value (ITV) calculations comes into play. Generally speaking, ITV refers to an […]
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November 27, 2023
Agency

Cyber Attacks: Common Social Engineering Tactics to Watch For

Social engineering refers to a cyberattack method in which a cybercriminal preys on key human behaviors (e.g., trust of authority, fear of conflict and promise of rewards) to obtain unwarranted access to targets’ technology, systems, funds or data. These attacks can be deployed through various tactics, such as digital impersonation, deceitful messages or malicious software […]
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November 20, 2023
Agency

What Is A Personal Article Floater?

It’s a common misconception that homeowners or renters insurance policies cover all personal property. Even if they do cover personal items, there is often a financial limit as to what those policies will cover. Sometimes the amount covered is well below the item’s value. For highly valuable items, unique or hard-to-find items or items that […]
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November 16, 2023
Agency

Common Auto Insurance Policy Questions

Auto insurance policies can be complex and confusing. This blog reviews some of the most common auto insurance policy questions.   If a friend drives my car, is he or she covered by my policy? Since most insurance coverage is connected directly to the car, if someone else borrows your car occasionally, he or she […]
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November 13, 2023
Agency

Seven Insurance Policies Every Small Businesses Should Consider

With so many different types of insurance to choose from, it can be overwhelming to determine what type is best for your small business. Dowd Insurance Agency is here to help explain the types of insurance policies available and how they can help protect you, your employees and your business’s bottom line. Commercial Property Insurance […]
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November 8, 2023
Agency

What Do I Do In the Event of a Commercial Property Loss?

Most people understand that insurance companies have a duty to reimburse insureds for commercial property damage not excluded by their policies. What’s lesser known is that if a loss does occur, insureds also have duties they owe to their insurance company. Many commercial property insurance policies include language detailing steps that must be taken following […]
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November 6, 2023
Agency

Understanding the Cybersecurity Risks of QR Codes

Quick response (QR) codes are a popular marketing, sales, payment and customer service tool for several businesses. However, as the presence of QR codes has become more prevalent, malicious actors have found ways to use them in phishing attacks and to spread malware. These vulnerabilities can lead to significant financial and reputational damage, and it […]
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November 3, 2023
Agency

What Type Of Damage Does My Home Insurance Cover?

Insurance policies are often filled with terms that can be difficult to understand, particularly for the average insurance buyer. Of these terms, “named perils” and “open perils” are some of the easiest to confuse. When it comes to understanding what their coverage entails and ensuring their policies are adequate enough to protect against the most […]
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October 30, 2023
Agency

Halloween Safety for Children

Halloween celebrations can come with a range of fun activities and lead to lasting memories for your children. However, these festivities can also carry serious safety risks. That’s why it’s important to have precautions in place to protect your kids from the risk of Halloween-related injuries or accidents. Keep reading for Halloween safety tips for […]
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