In today’s digital age, protecting your Arlington, TX business from cyber attacks is more important than ever. Cyber threats are constantly evolving, and millions of cyberattacks are occurring every year. In this post, Rickey McGill Insurance Agency will explain how to protect yourself, your customers, and your company from potential cyber threats.

How Many Cyber Attacks Target Small Businesses?

Small businesses are attractive targets for cybercriminals due to the lack of cybersecurity measures in place. Verizon’s 2021 Data Breach Investigations Report reveals that a shocking 46% of cyber breaches target businesses with less than 1,000 employees. This figure has been steadily increasing in the past few years. A report published in 2021 shows that small businesses have become prime targets for hackers and cybercriminals, with 42% of businesses being affected by cyberattacks last year.

Why Are Small Businesses Vulnerable to Cyber Attacks?

Cybercriminals can easily manipulate small businesses, as they often do not take cybersecurity seriously. Additionally, these organizations cannot say no to ransomware attacks because they do not have a backup system to recover data if they are attacked. Human error is the leading cause of data breaches at small businesses, with compromised credentials being the most common way cybercriminals initially attack a company’s data.

Implementing Good Cybersecurity Practices

Small businesses should take a proactive approach to cyber security to protect their information, networks, and systems. Establishing good cyber security practices such as using strong passwords, regularly updating software and applications, and training employees on safe online behaviors is important.

Additionally, small businesses should consider investing in cyber insurance to protect against the financial losses associated with a cyber-attack or data breach. Cyber insurance can help cover the costs of notifying customers, investigating the incident, recovering lost data, and restoring systems.

Rickey McGill Insurance Agency in Arlington, TX is a premier provider of cyber insurance services. We understand the unique needs of our clients and strive to provide comprehensive protection from cyber threats. Reach out to us today to learn more!

If you and your family plan to set out on the open road for adventure, be sure to secure adequate recreational insurance to protect you from the unforeseen. The agents at Rickey McGill Insurance Agency, serving Arlington, TX, are ready to help you get the coverage you need today. 

Recreation Insurance 

Recreation insurance allows you to get extra protection for recreational vehicles like RVs. Even if the rental company provides you with insurance, you might need more. You can purchase this temporary coverage to give you extra protection while traveling if there’s a covered incident. 

If you’re interested in getting good recreational insurance for an upcoming vacation or excursion, you can contact our insurance agency and get the assistance you need to make the process hassle-free. Our team members are ready to help you get the best coverage for your specific situation. We work one-on-one with each individual to understand their present and future needs. We also assist with the buying process and offer customer service for any changes, claims, or renewals while you’re a customer. It’s all a part of our commitment to delivering unparalleled service when you need it. Don’t leave home without recreational insurance coverage. 

Reach Out Today 

Anyone in or near the Arlington, TX area needing recreational insurance or other insurance products can call or stop by our office at Rickey McGill Insurance Agency to speak to an agent. We can provide details about the services and coverage we offer. Our goal is to give our clients peace of mind with the protection they can count on while on an adventure or going about their daily lives. Reach out today. 

Most people believe that their landlord’s insurance will cover them in the event of an accident or theft, but this is not always the case. Our renter’s insurance at Rickey McGill Insurance Agency in Arlington, TX, is designed to protect tenants from financial loss if their personal belongings are damaged or stolen. The following are scenarios in which your policy would provide coverage.

1. Damage Caused by a Neighbor

You are not responsible for damage caused by another tenant in your building, but their landlord’s insurance will not cover the repairs. If a fire starts in your neighbor’s apartment and spreads to yours, damaging your belongings, your renter’s insurance would step in to help pay for the repairs.

2. Water Damage

Landlords are responsible for maintaining the property and ensuring that it is up to code, but they are not responsible for damage caused by your negligence. For example, if you leave the water running and flood your apartment, your landlord’s insurance will not cover the repairs. However, your renter’s insurance would cover the damage to your personal belongings.

3. Theft

Your landlord’s insurance will not cover your belongings if stolen, but your renter’s insurance will cover the loss. It is important to remember that there is usually a deductible that you would have to pay before your policy kicks in. Hence, choosing a policy with a deductible that you are comfortable with is important.

Find The Right Tenants Insurance Policy to Protect Your Belongings

No one likes to think about the worst-case scenario, but it is always better to be prepared. If you are a renter, ensure you are protected by obtaining a renters insurance policy. At Rickey McGill Insurance Agency in Arlington, TX, we can help you find the right policy for your needs. Contact us today to get started.

Rickey McGill Insurance Agency is here for motor home owners in Arlington, TX, and the surrounding area. If you’re getting ready to store your vehicle for the winter, these helpful tips can help you make the process a smooth one!

Follow these tips when securing your motor home for the winter

Owning a motor home is a great way to travel and see our wonderful country. If you own a motor home and are getting ready to store it for the winter, follow these helpful tips and ensure that your vehicle will be ready to go in the spring!

1. Clean – make sure that the motor home is thoroughly cleaned before storing it for the winter. Take special care to remove all food and crumbs to prevent any bugs or insects from moving in!
2. Winterize – drain your water pipes and ensure all water has been removed from the vehicle. Any below-zero temps that may occur in the winter months can cause a freeze-thaw cycle that can damage any pipes that still have water in them.  
3. Secure – put up a windshield screen to protect your dash from any damage caused by sunlight. Be sure that your vehicle is locked and stored on level ground. It’s also a brilliant idea to take measures to avoid any infestation by rodents in your vehicle as well as under your hood and within the vehicle’s overall engine area. 

Give us a call today!

If you live in Arlington, TX or the surrounding area, give the team at Rickey McGill Insurance Agency a call for all of your insurance needs. We are here to help. Call or stop by today!

Protecting your RV with adequate insurance coverage is essential. Whether you live in your RV or travel in it occasionally, your RV is likely to be one of your most valuable possessions. That’s why insurance coverage is so essential. 

You should invest in three types of coverage as part of your RV insurance policy. 

Liability coverage

If you get in an accident in your RV and cause damage to other vehicles or property, you could be held liable for the resulting costs. 

Liability coverage covers costs to any other vehicles out on the road that may have resulted from an accident deemed your fault. Liability coverage also protects you from medical expenses resulting from accidents in which you are involved and are considered the "at-fault" party. 

Collision coverage

Your RV is a valuable investment. Collision coverage protects the value and condition of your RV.

When you have collision coverage, you can cover the costs of repairs to your RV after an accident. Collision coverage typically covers damage costs resulting from accidents with other automobiles. 

While collision coverage is an important type of coverage to carry, it will not cover damages resulting from numerous additional issues like vandalism, flood damage, and more. 

Comprehensive coverage

You can get even more coverage from your RV policy if you invest in comprehensive coverage. 

Comprehensive coverage offers additional coverage for damage costs involving your own RV. Comprehensive coverage covers the costs of damage caused by fires, accidents involving wildlife, theft, flooding, vandalism, or riots. 

At Rickey McGill Insurance Agency, we offer liability, collision, and comprehensive coverage on RV insurance policies. If you’re an RV owner in Arlington, TX, contact us to learn more about our policy offerings. 

 

According to the insurance agents at Rickey McGill Insurance Agency in Arlington, TX, securing a motorcycle insurance policy in Texas is not only required but also the right thing to do to be a responsible driver. While motorcycle liability insurance is required by law in Texas, there are also various other auto coverage options to choose from.

Liability Insurance

In Texas, it is illegal to operate a car, truck, SUV, or even a motorcycle on the road without proof of financial responsibility or proof that you have the required insurance in place. Minimum liability coverage will help pay for the damage you may cause in an accident to someone’s property or injuries they may suffer due to an accident.

Comprehensive Coverage

Comprehensive insurance coverage will help you pay to repair or replace your bike if it is stolen, damaged, or destroyed by some type of natural disaster, including a tornado or hurricane, a fire, or even an act of vandalism.

Collision Insurance

Suppose you collide with another vehicle or some sort of object and damage your motorcycle or cause damage to the other person’s property. In that case, collision insurance will be handy since it will help you pay for those damages.

As a side note, if you owe money on your motorcycle, your lender may require you to have both collision and comprehensive coverage, along with the liability insurance required by law.

Underinsured or Uninsured Motorcycle Insurance

While this type of coverage is not required in the state of Texas, it can be important to have if you become involved in an accident with someone who does not have any insurance in place or does not have an adequate amount of insurance to cover the damages to your motorcycle or for the medical bills from any injuries you may have to endure.

Contact Us

To secure the appropriate amount of motorcycle coverage, you need to contact an experienced motorcycle insurance agent to help you create a policy that will give you the peace of mind you deserve. Call today to start your policy with one of the agents at Rickey McGill Insurance Agency in Arlington, TX.

When you own a boat, there are a lot of risks that you face both on the water and out of it. There are many things that can happen to a boat to cause it damage, and you could be liable for accidents that damage other boats and watercraft. In Texas, there is no requirement that boaters must have boat insurance, but it’s smart to have it for your own protection. In addition, some marinas and bodies of water may require that you have insurance in order to use them. When you need a boat insurance policy, call us at Rickey McGill Insurance Agency in Arlington, TX.

Water Accidents

It’s always possible for collision accidents to happen on the water. If you should get into an accident on the water that is your fault, you will be liable for paying for the damage done to the other boat or medical bills if someone is injured. All of this can be highly expensive to pay for if you don’t have boat insurance. When you do have coverage, it can pay for all of these bills that are due so that you won’t have to come up with the money yourself. When you have this coverage, you will have better peace of mind every time you’re on the water. 

Other Boat Coverage

In addition to liability coverage, there are other types of coverage that can help protect you when you own a boat. Getting a policy type called comprehensive boat insurance will protect you against damage that can happen to your boat when you aren’t on the water. A number of risks to your boat exist on land, and you should be covered against them. You can also get property damage coverage that pays for things in the boat that are lost when you have an accident. 

Get Boat Insurance Protection

When you have boat insurance, you have protection. When you need this coverage call us at Rickey McGill Insurance Agency in Arlington, TX.

An umbrella policy provides additional coverage if the liability limits on your home or car insurance policy have been exhausted. The policies are designed to provide financial protection for the wealthy, but anyone can benefit from the security of extra insurance protection. 

It’s a form of liability insurance that provides extended coverage if your regular insurance policy limits have been exhausted. This extra layer of coverage can be either an endorsement of a standard insurance policy or a standalone policy. If in Arlington, TX, call Rickey McGill Insurance Agency. 

What Does Umbrella Insurance Cover? 

Suppose you get a car accident, and the at-fault driver’s liability limits only cover up to $300,000. In that case, your umbrella insurance may cover the remaining expenses up to the policy’s limit. The policy can be added to any existing policy to increase coverage or be purchased as a standalone policy. 

Umbrella policies can cover various risks, such as liability from a slip and fall accident, a mistake made by an employee, or a wrongful claim from a policyholder that exceeds the limits of the company’s liability coverage. 

The insurance steps in and picks up costs if you run out of liability coverage on other policies. It can help protect your assets and future finances if you are sued and found liable for something in a court of law. 

You can purchase umbrella insurance policies through your current insurance provider or look for supplemental coverage. The policy offers additional protection if you are sued and found liable for something that exceeds the limit. 

It typically kicks in when your standard policy maxes out, covering expenses that could exceed hundreds of thousands of dollars, if not millions. Umbrella insurance is generally recommended if you have assets that might be at risk. This includes your home, other real estate, savings, investments, car, significant jewelry, antiques, collectibles, expensive artwork, tools, and business property. 

Conclusion

This additional liability insurance can help protect you against costs and circumstances that could not have been predicted. Additional policy kicks in once your standard coverage limits have been exhausted. An umbrella policy covers you and your assets in an accident or incident where you are held legally responsible and must pay damages to another person or company. As with any insurance policy, it is essential to research your options and compare rates to find the best coverage at the most affordable price. If you live in  Arlington, TX, call Rickey McGill Insurance Agency.