What a nerve-wracking time in parenthood! Not to mention, expensive! Follow these tips to save yourself some cash when it’s time to add Junior to your insurance policy. 1. Car sharing The least expensive route is for the teen to be a part-time driver. This means that s/he shares the car with another driver (parent, perhaps). Because the teen doesn’t have access to the car at all times, the insurance rate is less expensive. 2. Modest car. If #1 above is not possible, the next

If you’ve heard the many news stories about cyber breaches, you know cyber insurance is essential for businesses in todays digital landscape. Let's break down essential cyber insurance coverages. Be sure that your policy includes the following: Regulatory Defense and Penalties Coverage Covers the costs of fines by State or Federal agencies for breaching consumer privacy Notification Costs Covers the costs to notify affected individuals after a data breach Cyber Extortion Co