Drone operation does include cyber risks you should understand before you operate your machine.
Most drones operate via a Wi-Fi or Bluetooth connection through your smartphone or tablet. The connection may not be secure, though. A hacker can jam, intercept or terminate the connection or GPS, take over your drone and steal it or crash it into something.
The computer or mobile device you use to operate your drone could become infected with malware. It can affect the connection to your drone and cause the machine to crash and potentially cause physical or property damage.
Access Photos or Videos
A camera attached to your drone can transmit stunning photos and videos from the air. These images are usually transmitted over an unsecured FTP server which a cyber attacker could access and share. This privacy breach is your responsibility.
Ways to Protect Your Drone
Protect your drone from cyber crime when you take several steps.
Ask the seller about their cybersecurity measures.
Most drone sellers include the machine’s cybersecurity information on their website. If you can’t find it, contact the company for additional information.
Test your drone’s security.
Hire a cybersecurity professional to test your drone and ensure it’s safe from cyber threats.
Connect to your drone via radio control.
Use a secure radio control connection since Wi-Fi and Bluetooth connections rely on unencrypted data links that are vulnerable to hackers.
Subscribe to a VPN service.
A Virtual Private Network (VPN) encrypts your internet connection and protects it from hackers.
Install a seL4 operating system.
Equip your drone with new seL4 OS technology. This operating system isolates various functions on the drone, preventing a hacker from taking over your machine.
Install an anti-virus program.
Reduce viruses, malware and other threats when you install protective programs on your computer or mobile device. The most secure programs provide real-time antivirus and anti-theft protection.
Vary your flying habits.
When you fly your drone in the same flight paths and at the same time every day, you make yourself vulnerable to hackers. Instead, vary your flying habits and throw hackers off your trail. Consider flying in remote locations, too.
Purchase drone insurance. Call us.
A drone insurance policy provides you and your drone with important coverage. Look for a policy with:
- Broad, legal and premises liability coverage
- Personal injury and medical expenses
- Hull coverage
- Extra equipment coverage for any on-board cameras, tools and equipment
- Invasion of privacy
Your drone is vulnerable to several cyber risks. Know the risks and how to stop them so you can enjoy your drone and keep it secure.
Summer time fun for you might include hauling a trailer. It secures your ATV, boat, a second car, camper, horses or camping gear. Before you hit the road, make sure your trailer is properly insured.
Why do you Need Trailer Insurance?
Many states accept your auto insurance coverage when you haul a trailer behind your insured vehicle. Your homeowners or renters insurance policy may cover the items you haul. However, this coverage is typically only for liability. Plus, you face several risks when you haul your trailer on the road.
- If you’re not used to hauling a trailer, your risk of causing an accident increases.
- You may turn too sharply and damage someone’s property.
- You could hit a slippery stretch of highway that causes your trailer to slide into another vehicle and damage it or push it off the road.
- While unloading or loading your trailer, you could damage it or the item you’re hauling.
These and other accidents are possible. Trailer insurance adds valuable protection that gives you peace of mind as you travel.
What Type of Coverage is Available?
The type and amount of trailer insurance you need depends on your trailer’s type and size and on the value of the items you will haul. Typical trailer insurance provides several valuable coverages.
- Liability – Cover the costs associated with bodily injuries or property damages your trailer causes to other people or their property and belongings.
- Comprehensive – Repair your trailer if it is damaged from theft, vandalism, fire or weather.
- Collision – Repair your trailer if it is damaged during a traffic collision.
- Contents Coverage – Pay to replace damaged items that are stored on or hauled in your trailer.
How do you Purchase Trailer Insurance?
Talk to your auto insurance agent about trailer insurance. He or she will review your auto insurance policy’s current types of coverage and limits to ensure it’s adequate for your trailer. Your agent will also review your homeowners or renters insurance policy and ensure it covers the items you are hauling.
If your current policies are not adequate to cover your trailer and its contents, increase your coverage types or limits or purchase a separate policy. You may need to shop around for trailer insurance if your current agent does not carry it.
With trailer insurance, you can travel this summer with confidence. If your trailer causes property damage or bodily injury or if the items you haul are damaged, you can pay for the liability or repairs. Talk to your agent before your next trip to make sure you’re properly covered.
Millions of Americans take to the water each year during boating season, traveling the coastlines, rivers, lakes and canals. The watercraft range from simple rowboats to jet skis to small motorboats to luxury yachts. Boat owners spend significant amounts of money buying and maintaining their boats.
The need for insurance protection when the boat is on the water is obvious, but many boat owners question the need for it during the off-season. However, insurance is just as important when the boat is in storage as when the owner is using it.
A typical Boat insurance policy provides a package of coverages, including:
- Damage to the boat, motor, and trailer
- Damage to portable property used in the maintenance and operation of the boat, including things like anchors, life jackets, oars, tools, skis and surfboards, lights, and fire extinguishers
- Damage to other types of property, including sports equipment, clothing, and other personal effects
- Damage to equipment on shore, such as boat covers
- The cost of recovering a sunk or stranded boat
- The cost of emergency service and towing
- Damage to non-owned or substitute boats
- Loss of fishing tackle
- Liability coverage for injuries or damages for which the boat owner is legally responsible
- Coverage for injuries the boat owner or others on the boat suffer in an accident with an uninsured watercraft
A boat owner will need these coverages if their boat gets into a collision with another boat, or if thieves steal scuba gear from it, or if fire damages the motor. However, losses are still possible while the boat is out of the water. Progressive Insurance reports that nearly two out of every 10 boat claims it receives from northern states occur between Labor Day and Memorial Day, when most owners are not using their boats much.
Some examples of losses that could occur:
- The building which houses the boat during the winter burns to the ground.
- Vandals damage the boat in the middle of the night while it’s in the owner’s driveway.
- A neighbor’s child, playing in the owner’s yard, runs into the boat stored there and injures his head.
- Someone steals the boat and its trailer from the yard at a repair shop.
- While the boat is stored in the yard, heavy snow melt causes a flash flood that damages the boat’s interior, including the mechanical system and the radio.
Some insurance companies offer “disappearing deductibles,” where the deductibles for collision and damage losses from other causes decrease by a certain amount for every claim-free year. Those companies will grant this benefit only to boat owners who keep their insurance continuously in force with them.
One of our professional insurance agents can provide advice on the types and amounts of coverage a boat owner needs. We can also recommend insurance companies that have expertise in boating, good claims-paying practices, and reasonable prices. Insuring a boat all year round can be expensive, but compared to the cost of a large uninsured loss, it may well be worth the cost.
Umbrella insurance protects insureds from financial devastation. It’s a common policy homeowners purchase because it protects their home and other assets when an insurance claim exceeds existing homeowners or auto insurance policy limits. However, it could be a smart investment for renters, too.
It Supplements Existing Liability Protection
Typically, basic liability protection only includes $100,000 in coverage. An umbrella policy can offer $1 million or more in additional coverage. Both types of coverage offer financial protection and peace of mind.
For $1 million in liability protection, renters could pay as little as $300 a year. Claude Lilly, Clemson University College of Business and Behavioral Science dean, also reminds renters that an addition million may only cost $100 more. This inexpensive investment protects a renter’s possessions, auto and other assets as it gives the insured peace of mind.
It Complements Exposures
The hobbies a renter enjoys can make an umbrella policy a necessity. For instance, the renter’s dog bites a contractor or guest, resulting in thousands of dollars in medical expenses and an expensive lawsuit. The umbrella coverage kicks in after the basic renter’s insurance policy funds are exhausted, and it provides the financial protection the renter needs.
Likewise, owning a swimming pool, hunting as a hobby or playing golf can each be fun activities, but they also have the potential to turn into expensive lawsuits. Renters should invest in an umbrella policy that covers expenses associated with a claim or liability related to the exposures they enjoy.
Consider Net Worth
Each renter can decide how much umbrella insurance to purchase. Overall, the renter’s current assets and net worth determine the basic coverage amount.
Buy Based on Future Earnings
A renter who’s found liable for an auto accident could face wage garnishment. Purchasing an umbrella policy that takes future earnings into account ensures the renter is adequately covered and can pay the judgment without losing his or her home and other assets.
Remember Slander, Libel and Invasion of Privacy Protection
Umbrella coverage does more than protect financial assets after an accident or lawsuit. It also protects renters who are victims of slander, libel or privacy invasion. The protection an umbrella policy offers against these challenges makes it a wise investment.
Overall, umbrella insurance provides beneficial coverage for every consumer, including renters. An insurance agent can offer additional counsel and advice regarding how much umbrella insurance to purchase.
You own your home, have your own business, and drive a new car. Though you are not rich, you are comfortable. It will be a shame to lose it all if someone sustains injuries by your car or at your home or place of business.
You have insurance you say; you have standard auto liability insurance. The limits are $100,000 for a single person and a total of $300,000 for multiple people. Suppose you are responsible for any accident involving a shuttle taking ten people to the airport. Three hundred thousand dollars allows on average $10,000 per person. That is hardly enough to cover the emergency room fees let alone any surgery, rehabilitation, lost wages and other medical expenses. If there is a fatality, you may consider bankruptcy.
Your business has a small storefront on a busy street. A middle-aged executive comes into your place of business following a rainstorm. Your floor is wet and slippery, and the executive slips and falls. He strikes his head, loses consciousness, and goes into a coma. Your general business liability insurance has the same limit as your auto insurance – $100,000. It may cover part of the hospital bill, but the official says he is permanently disabled and sues you for future wages for $1 million. Since your business is a sole proprietorship, bankruptcy beckons.
Your son invites a friend over for a swim in your pool. He dives into the shallow end strikes his head and suffers traumatic brain injury. Sadly, the damage is permanent — with standard liability limits of $100,000 — well, you know, bankruptcy stares you in the face.
The inexpensive, elegant solution to the problem is umbrella insurance. When a claim exceeds your standard liability insurance limits, your umbrella insurance policy takes over and pays up to your umbrella liability limits. Most people who buy umbrella insurance extend their liability limits to $5 million.
Though you hope never to use it, for a few hundred dollars per year, you can protect your assets, and avoid financial disaster. Umbrella insurance pays when you are responsible for an injury that exceeds your standard liability limits.
10 months ago ·
by Erin Carlson ·
Whether you received valuable collectibles or heirloom jewelry, you’ll want to insure these holiday presents. Your homeowners or renters insurance policy may provide coverage for some of your new items, but anything above the existing coverage limit requires a personal articles floater. Consider specific gifts that you’ll want to insure this year.
Jewelry: Your homeowners insurance policy should cover jewelry valued at less than $2,000. However, appraised jewelry that’s more valuable will require a floater.
Furs: From a real fur jacket to a fake fur-trimmed hat, add any furs you receive to your homeowners insurance policy.
Fine Art: Paintings, sculptures, rare books, manuscripts, ornamental collectibles, glasses and antique furniture fall under the fine art category. Record these items and their value on an itemized schedule attached to your insurance policy.
Electronics: Laptops, cameras, TVs and other electronic devices, plus telescopes, video recording equipment and films, are typically included in your existing homeowners or renters insurance policy. If these items are high-end, consider a floater.
Coins or Stamps: Depending on their value, you’ll want to add a floater for new coins or stamps in your collection.
Musical Instruments: List any musical instruments, including sound equipment, on a floater.
China, Crystal or Silverware: List these items on a schedule and include the insurance coverage amount.
Guns: List and describe each gun on a schedule. Include the value.
Sporting Goods: Bicycles, golf equipment, guns and other sporting goods fall under your existing insurance policy unless they’re collectible, rare or expensive.
Tools: Insured under your homeowners or renters policy, your new tools won’t need a floater unless they exceed the value of your existing coverage.
As with everything in your home inventory, record a detailed description, serial number, purchase date, value and picture of your new holiday presents. Store copies of this information with your insurance policy in a fireproof safe and in a secure location other than your home.
Go ahead and enjoy your new holiday presents. Just remember to check with your insurance agent to be sure they’re covered.