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Meiners Insurance

152 Lear Rd
Avon Lake, OH 44012

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Ohio Commercial Business Insurance: How to Protect Against Cyber Threats

In this day and age, having a business in Ohio is going to come with a lot of responsibilities and concerns. A large concern today is hacking, data breaches, and ransomware. This is what cybersecurity insurance is for in your commercial insurance policy.

At Meiners Insurance, we want Avon Lake, OH business owners to have the most thorough cybersecurity protection possible. In addition to cybersecurity insurance, there are steps you can take to protect your company’s data, networks, and technology.

Password Protection

Having a good password policy at work can change the face of your entire business. Make sure that you have password protection for each of your devices and users. Create passwords that are impossible to guess, using long characters and words a hacker can’t detect.

Install Security Software

You may already have anti-spyware and anti-virus software on your network. Beef that up a little with security software that will protect everything.

Be sure that you have updates on everything and have all operating systems fully up to date. You want to also be sure that this information is only available to certain employees. 

Your IT department, or yourself if you don’t have one, should be the only ones responsible for updates to your technology and software. Limit access to ensure your internal threats are minimized.

Lock Up Technology When Not in Use

When your business is closed for the day, make sure that your technology is locked up or secure. Passwords are one way to do this. Keep technology not in use in a safe or locked closet when and wherever possible.

Keep a list of all of your technology and inventory and update it on a regular basis. Your commercial insurance company will be happy to know that you have a tight security system for your technology.

Get Cybersecurity Insurance Today

If you don’t have cybersecurity insurance yet, now is the time to do it. At Meiners Insurance, we want Avon Lake, OH business owners to have thorough coverage to meet their cybersecurity protection needs. It is easier to get this insurance when you have an established security system in place. Call us for a quote today.

Own a Small Business? You Need Umbrella Insurance

Do you own a small business in the Avon Lake, OH area? If so, it is a good idea to consider purchasing umbrella insurance. What is umbrella insurance, and why is it important if you have your own company? Our team at Meiners Insurance has put together a brief guide to help you out.

Understanding Umbrella Insurance

As the name suggests, umbrella insurance extends liability coverage on your home and auto insurance to act as a canopy of additional protection. Should you find yourself the subject of a major lawsuit, this type of policy can help protect you and your personal assets. It is vital to have this type of policy if you own a home, have rental properties, or otherwise enjoy a moderate to high-income level.

Why Small Business Owners Need Umbrella Insurance

As a small business owner, you take on an increased risk versus someone who works for an employer. While you already have adequate commercial insurance to take care of any mishaps, there are times when the coverage available with those types of policies isn’t enough to take care of the whole claim.

In that case, you could be open to a potential lawsuit or other costly claims. The opposing side might try to seize personal assets as part of their settlement, which could mean losing your home or worse. While it sounds like an improbable situation, there are business owners all over Ohio who face this as a real possibility every day. In this instance, having an umbrella policy could help ensure that situation doesn’t happen.

Ready to learn how you can protect your personal assets as a small business owner? Meiners Insurance in Avon Lake, OH is here to help. Please contact us today to schedule an appointment.

Why You Need Commercial Insurance

If you’re a business owner in Avon Lake, OH, then it’s absolutely crucial that you not only understand how commercial insurance works but that you have commercial insurance yourself. If you’re wondering what commercial insurance is, then read on to learn the in’s and out’s of commercial insurance basics and how you can protect your business. Then, get a consultation with Meiners Insurance to find the right coverage policy for you. 

What Does Commercial Insurance Cover?

Commercial insurance provides financial protection for you and your business’s property, reputation, and employees. Here are some areas in which commercial insurance can provide coverage: 

  • Liability
  • Property damage
  • The damage was done to another business.
  • Injury to an employee while on the property
  • Legal fees for lawyers and libel

These are just some of the areas in which commercial insurance can provide coverage. The specific type of commercial insurance coverage and the amount of coverage you will receive will depend on the policy you choose. To find the right coverage policy for you, visit Meiners Insurance for a consultation. 

Why Is Commercial Insurance Important? 

Commercial insurance is necessary if you want to keep your business going for a long time. Not only do you get financial coverage for your business through commercial insurance, but you also are provided with peace of mind for your employees, who are so vital to your business. It’s important for you to protect your greatest achievement since you put everything you have into creating it. Having that coverage can save you from worrying about how your business will recover, so you can focus only on how your business will thrive.

Get Protected with Meiners Insurance

When it’s time to get the right coverage policy for your business, visit Meiners Insurance for a consultation. Our office proudly serves the Avon Lake, OH area.  


Our Carriers

  • Foremost
  • Hagerty
  • Guard
  • Liberty Mutual
  • Nationwide
  • Progressive
  • Safeco
  • Travelers