Wednesday, October 20, 2021
HomeInsuranceCyber Liability Insurance - Everything You Need To Know

Cyber Liability Insurance – Everything You Need To Know

Companies depend on knowledge for nearly every part as of late, so it’s no shock that knowledge breaches have gotten an increasing number of widespread. Information breaches, additionally referred to as cyber assaults, happen when a hacker will get entry to delicate knowledge and guarded data that’s saved on the web, servers, computer systems, and private gadgets. 

Whatever the dimension of your small business, knowledge breaches might be extremely expensive. Information breaches can occur to any group, however they’re particularly widespread amongst small companies that always lack strong safety measures. To guard towards potential breaches, I like to recommend that each one enterprise homeowners look into knowledge breach insurance coverage and take into account including it to their insurance coverage portfolio. 

What’s cyber legal responsibility insurance coverage?

Hiring a landscaper can remove a major headache from both ongoing lawn maintenance and one-time makeover projects in your yard. Depending on your budget and schedule (not to mention your definition of a fun weekend), it may be worth outsourcing some, or all, of your yard projects. At my house, my husband and I typically outsource mowing and weed whacking because it’s a fairly low-cost service compared to the amount of free time we gain back each week. On the other hand, I love gardening, and we regularly tackle projects that involve growing flowers and vegetables without the help of a professional. If you’re considering getting professional help with your landscaping, think about the types of projects you plan to undertake, plus the time, tools, and skill level involved. Here’s a breakdown of both ongoing and one-time landscape projects, plus how to determine if professional help is worth the cost. Average landscaping costs: an overview 
<table id="tablepress-1336" class="tablepress tablepress-id-1336">
<thead>
<tr class="row-1 odd">
	<th class="column-1">Service</th><th class="column-2">Average cost</th>
</tr>
</thead>
<tbody class="row-hover">
<tr class="row-2 even">
	<td class="column-1"><b>Lawn mowing</b></td><td class="column-2">$49 to $218</td>
</tr>
<tr class="row-3 odd">
	<td class="column-1"><b>Bedding plants (selection and installation)</b></td><td class="column-2">$1,366 to $5,641</td>
</tr>
<tr class="row-4 even">
	<td class="column-1"><b>Disease and insect control</b></td><td class="column-2">Less than $100</td>
</tr>
<tr class="row-5 odd">
	<td class="column-1"><b>Tree trimming</b></td><td class="column-2">$460</td>
</tr>
<tr class="row-6 even">
	<td class="column-1"><b>Landscape design</b></td><td class="column-2">$1,954 to $6,971</td>
</tr>
<tr class="row-7 odd">
	<td class="column-1"><b>Deck construction</b></td><td class="column-2">$7,300</td>
</tr>
<tr class="row-8 even">
	<td class="column-1"><b>Exterior light installation (10 lights)</b></td><td class="column-2">$2,000 and $2,500</td>
</tr>
<tr class="row-9 odd">
	<td class="column-1"><b>Drip irrigation system (per acre)</b></td><td class="column-2">$2,150</td>
</tr>
<tr class="row-10 even">
	<td class="column-1"><b>Sprinkler system</b></td><td class="column-2">$2,500</td>
</tr>
</tbody>
</table>
 Ongoing services Having consistent professional help can keep your yard clean and healthy. A well-maintained yard is good for wildlife and also motivates you to get outside more often and enjoy it, so it is a big deal! Lawn maintenance Ongoing lawn maintenance involves mowing your grass and weed whacking the edges of any hardscaping, like the sidewalk, driveway, and flower beds. The lawn maintenance company provides their own equipment, as well as any products that may be needed. In the fall, you can also add leaf removal services and have the collected leaves taken off-site by your maintenance crew. Costs vary depending on the size of your lawn and how intricate any weed whacking may be. According to HomeAdvisor, average prices range between $49 and $218. Depending on your weather, you may opt for weekly or bi-weekly service. The rainier it is in your area, the more frequent mowing may be needed. Pros of hiring a landscaper: Seasonal expense in many areas. During cooler-weather months you may not need to pay for lawn maintenance. Get on a schedule. Avoid tall grass by scheduling recurring services from your maintenance crew. Avoid paying for and maintaining lawn equipment. Upfront and ongoing maintenance costs for lawn mowers and weed whackers can quickly add up, especially compared to the relatively low cost of professional lawn maintenance. Cons of hiring a landscaper: Extra cost added to your monthly budget. Go the DIY path if your budget is already tight or you’re focused on important financial goals like debt payoff.  A fixed schedule may not meet your lawn’s needs. Low rain could mean you’re paying for service even without tall grass. On the flip side, your lawn may be ready for a trim after heavy rain, days before your next mowing is scheduled. Bedding plants and installation Spending time in a yard filled with beautiful plants can give you countless hours of joy throughout the year. Plus, you’ll create a haven for all types of important insects, including pollinators. A professional landscaper can pick out plants that thrive in your area and in specific spots in your yard. You can also get advice on plants that work best for your preferred level of care, whether you want to invest the time to water and weed, pay to outsource those tasks, or focus entirely on low-maintenance plants in your landscape. The cost of getting a landscaper to choose and install plants ranges from $1,366 and $5,641. If your landscaped beds have become extremely overgrown, this expense may be worth the cost, but if you simply need to pop in some annuals to fill up space, this might be a better DIY project. Pros of hiring a landscaper: Create year-round interest. A landscaper’s expertise ensures your flower beds aren’t dull three out of the four seasons of the year. Choose the right plants based on water and sunlight needs. Avoid killing plants and wasting money by picking the right options for your yard’s conditions. Pick colors and textures that complement each other. A landscaper creates an overall theme, whereas a DIY approach may create competing colors, heights, and textures. Cons of hiring a landscaper: Can be costly. The expertise of a landscaper definitely comes at a price. You have less control over designs and colors. A DIY approach may be better if you have a very specific aesthetic you want to achieve in your yard. Disease and insect control Insects are a natural part of the garden’s ecosystem, but some bugs and diseases can actually harm your plants. There are many ways to mitigate these issues on your own, like promoting healthy soil and encouraging beneficial bugs that prey on the damaging types. For instance, ladybugs eat aphids, an insect that can cause major damage to vegetables, fruit, roses, and other flowers.  But if you need help, a professional landscaper can manage these issues as well. Just be sure to ask about the products they use and the ingredients, especially if you grow edibles in your garden. Non-organic ingredients can be harmful to you, your plants, and beneficial insects. A standard pest treatment typically costs under $100, according to Thumbtack. Pros of hiring a landscaper: Fast and easy service. Outsource the work rather than trying to figure out what products and treatment you need. The expertise of specific disease and pest issues. Make sure you’re treating the right problem, so you don't waste money on DIY "solutions" that just don't work. Cons of hiring a landscaper: May use harmful ingredients. Ask what products the landscaper uses and check to see if the ingredients align with your needs, especially if you grow an organic garden or have outdoor pets. Less control over products and processes used. You need to trust the professional you hire. Tree services It’s important to regularly care for any trees near your house since they can cause damage to your home as they grow larger. The biggest issues are trees extending over your roofline and dead trees eventually falling. Regular tree maintenance includes pruning your trees to keep them disease-free and trimming away dead branches. Your trees will stay healthy, and you don’t have to worry about branches falling and hurting someone or something on your property. You can certainly buy the tools needed to care for your trees and take a DIY route, but you also need to learn about how pruning affects each tree and what time of year is best for curbing tree growth. Hiring a landscaper to do the job could very well keep your trees in better shape, not to mention help you avoid the risk of injuring yourself. Just be sure your tree service landscaper is licensed and insured in case they sustain an injury while on the job.  The cost of having tree work done is dependent on how many trees are on your property, their size, and whether or not they need to be felled. Pros of hiring a landscaper: Trees safely pruned: Landscapers have the knowledge and experience to keep people safe. Avoid damage to surrounding property: Falling trees can cause damage to nearby houses, cars, or fences. A professional knows how to cut strategically so the tree lands where it should.  Pick the best season for pruning. Pruning in some seasons spurs new growth, while other seasons are best for managing size.  Utilize the right equipment for hard-to-reach places. Tall trees could require heavy equipment, like a cherry picker or scissor lift. Cons of hiring a landscaper: Can be costly for tall trees. Tree trimming is important, but will take a pretty big bite out of your budget. Unlicensed landscapers could be an insurance liability. An uninsured contractor who gets injured on your property could require you to file a claim with your homeowners insurance policy.  One-time landscaping services In addition to ongoing lawn care, weigh the pros and cons of hiring a landscaper for one-time landscaping projects. Hardscape design and installation No matter what size your yard may be, a professional landscaper can help you design hardscaping to maximize its usability. This could be with decking, a stone patio, pergola, or other hardscape features. The design and installation are typically two different services. A professional landscape design for your outdoor space could range from $1,954 to $6,971. For the actual labor and materials, your costs vary greatly depending on the size, scope, and materials. These projects are typically better left to the professionals instead of a weekend warrior project, unless you have above-average DIY skills. For a homeowner with limited experience, you run the risk of unlevel patio stones or structurally unsound hardscaping if you attempt large-scale projects on your own. Plus, projects like decking typically require city or county permits and approvals.  Pros of hiring a landscaper: Quality craftsmanship. Avoid the DIY “look” by using a detail-oriented landscaper.  Faster results. Get your project completed all at once, rather than fitting it into your own busy schedule here and there. Cons of hiring a landscaper: Expensive costs. Expect to spend several thousand dollars for hardscaping projects. Potential need to manage multiple professionals. You may have to manage the landscape designer and installer separately. Landscape lighting Incorporating lighting into your landscape can add a magical nighttime ambiance to your yard. There are different levels of service depending on the property features you want to highlight in the evening. You could add uplighting towards the home to draw attention to unique architectural features or illuminate walking paths to see where you’re going in the dark. String lights for garden parties are also a popular upgrade when it comes to landscape lighting. Some of these projects are fairly simple to DIY and if you opt for solar-powered lights, you can especially save money since you won't have to plan on an electrician having to wire anything. For bigger projects that do require re-wiring, you may want to hire a professional so you don’t hurt yourself. Electricity is not something that you should play around with. Costs vary on the type of lighting and how far your cables need to go from existing electric lines.  Pros of hiring a landscaper: Safer than DIY. This is especially true if new electric cables are involved. You don’t want to set yourself up for a fire hazard. Cons of hiring a landscaper: Solar projects may be easier. In some cases, DIY projects may be simple if no new electrical cables are needed. Lawn and garden bed irrigation If your summers are marked by dry conditions or inconsistent rain, you might consider installing a sprinkler system for your grass and irrigation lines for your garden beds. Irrigation can keep your plants healthy all year long. If you’ve already invested in lawn seed and garden plants, this could be an important project. Plus, while the average drip irrigation system costs upwards of $2,000 for an entire acre, there are plenty of online DIY tutorials that can help you spend even less. In fact, if you’re willing to do some digging and connect some PVC pipes and soaker hoses, you could knock out this project for around $100 (depending on your garden size). A new sprinkler system might be pricy, but you can purchase a DIY kit if you feel confident in marking zones and digging trenches throughout your entire yard. Based on the mechanics involved, this would definitely be a project for more seasoned DIYers. Pros of hiring a landscaper: A quick process with limited mistakes. A landscaper can quickly get irrigation or sprinklers in place without digging into buried power lines or pipes. Minimal disruption to grass and other plants. Landscapers have tools to limit the disruption to your lawn, especially compared to you digging trenches by hand with a spade. Cons of hiring a landscaper: Small irrigation projects may be simple and inexpensive. You could certainly DIY raised bed irrigation or other areas that aren’t intrusive. Saving with a DIY approach When deciding which projects to complete on your own, start by evaluating your safety and skills. Selecting and planting plants takes a little research, that way you can make sure that you are planting them in the right place. That said, it can be a fun experience and much less expensive to tackle by yourself. Consult the staff at your local garden center to get ideas of what plants perform well in your area. If you make mistakes, you can always plant something new. For projects that have an element of danger involved, like trimming trees or building a deck, consider shelling out the money for the professional. You don’t want to risk building a faulty structure or mistakenly estimating where a tree could fall.  
<table id="tablepress-1337" class="tablepress tablepress-id-1337">
<thead>
<tr class="row-1 odd">
	<th class="column-1">Project</th><th class="column-2">DIY cost</th><th class="column-3">Professional cost</th>
</tr>
</thead>
<tbody class="row-hover">
<tr class="row-2 even">
	<td class="column-1"><b>Planting</b></td><td class="column-2">Cost of plants</td><td class="column-3">$1,366 to $5,641</td>
</tr>
<tr class="row-3 odd">
	<td class="column-1"><b>Lawn maintenance</b></td><td class="column-2">Average cost of lawn mower: $363 for push mower; $2,450 for rider mower<br />
Plus gas and maintenance costs</td><td class="column-3">$49 to $218 per visit</td>
</tr>
<tr class="row-4 even">
	<td class="column-1"><b>Deck construction</b></td><td class="column-2">$8 to $10 per square foot</td><td class="column-3">~$25 per square foot</td>
</tr>
</tbody>
</table>
 Summary Some landscaping projects are easy to do by yourself over the course of a few hours, but others take a lot of time, effort, and skill. For some homeowners, it isn't worth it to take the DIY route. At a minimum, hire out landscaping projects that may seem dangerous without the right tools or talent. From there, you can gauge how each project cost compares to your budget and timeline to find out if hiring a landscaper is, in fact, worth it for you. Read more: How Much Should You Be Saving For Home Maintenance? My Biggest Financial Mistake As A New Homeowner: Not Building Relationships With Local Service Providers - What is cyber liability insurance?

Because the title suggests, cyber legal responsibility insurance coverage protects your small business towards authorized and monetary fallout from cyber assaults. It covers issues like your legal professional charges and notifying prospects of a breach, however I’ll speak extra about that later.

There are many several types of knowledge breaches, and cyber legal responsibility insurance coverage coverage will cowl most of them. That features customary knowledge breaches, in addition to ransomware assaults, DoS and DSoS assaults, phishing scams, malware, and extra. 

For the needs of this text, I’m going to make use of the phrases cyber legal responsibility insurance coverage and knowledge breach insurance coverage interchangeably. Though these might be offered as two separate insurance policies, they provide nearly the identical coverages. Information breach insurance coverage is typically much less strong as a result of it solely covers your monetary duty.

What does cyber legal responsibility insurance coverage cowl?

Cyber legal responsibility insurance coverage covers enterprise bills associated to a knowledge breach or cyber assault. However there are literally two kinds of cyber legal responsibility insurance coverage—first-party and third-party.

Right here’s a have a look at what every of those insurance policies covers.

First-party cyber legal responsibility insurance coverage

First-party cyber legal responsibility insurance coverage will cowl your small business’s rapid bills after struggling an information breach. You need to use your insurance coverage protection to pay for issues like:

  • Notifying prospects of the breach.
  • Credit score monitoring companies for affected prospects.
  • Fixing the vulnerability that brought on the assault.
  • Hiring a PR staff for injury management and status administration.
  • Enterprise interruption prices for the time that your techniques have been offline.
  • Extortion cash within the occasion of a ransomware assault.

Right here’s an instance of when first-party cyber legal responsibility insurance coverage would turn out to be useful. Let’s say you personal a web based clothes boutique, and a hacker will get entry to your prospects’ saved bank card data. On this case, your first-party cyber legal responsibility insurance coverage would pay so that you can notify the shoppers of the breach, supply free credit score monitoring, and rent an IT skilled to patch the system.

Third-party cyber legal responsibility insurance coverage

Third-party cyber legal responsibility insurance coverage particularly covers your small business’s authorized charges and court docket prices if a consumer or buyer sues your organization over an information breach that causes them monetary loss. Listed here are some bills that it’ll cowl:

  • Your lawyer charges.
  • Court docket settlements with the third-party.
  • Judgments in case you are discovered accountable.
  • Authorities penalties and fines if your small business will get investigated or audited.

I’ll construct on the instance from above for example how third-party legal responsibility insurance coverage works. So, your prospects’ bank card data was leaked, and let’s say that the hacker used a type of bank cards to purchase a Ferrari. Naturally, the client finds out, will get offended, and sues your small business. On this case, third-party cyber legal responsibility insurance coverage would cowl your entire authorized charges, in addition to a settlement with the client in case you are discovered to be at fault.

What cyber legal responsibility insurance coverage doesn’t cowl

Hiring a landscaper can remove a major headache from both ongoing lawn maintenance and one-time makeover projects in your yard. Depending on your budget and schedule (not to mention your definition of a fun weekend), it may be worth outsourcing some, or all, of your yard projects. At my house, my husband and I typically outsource mowing and weed whacking because it’s a fairly low-cost service compared to the amount of free time we gain back each week. On the other hand, I love gardening, and we regularly tackle projects that involve growing flowers and vegetables without the help of a professional. If you’re considering getting professional help with your landscaping, think about the types of projects you plan to undertake, plus the time, tools, and skill level involved. Here’s a breakdown of both ongoing and one-time landscape projects, plus how to determine if professional help is worth the cost. Average landscaping costs: an overview 
<table id="tablepress-1336-no-3" class="tablepress tablepress-id-1336">
<thead>
<tr class="row-1 odd">
	<th class="column-1">Service</th><th class="column-2">Average cost</th>
</tr>
</thead>
<tbody class="row-hover">
<tr class="row-2 even">
	<td class="column-1"><b>Lawn mowing</b></td><td class="column-2">$49 to $218</td>
</tr>
<tr class="row-3 odd">
	<td class="column-1"><b>Bedding plants (selection and installation)</b></td><td class="column-2">$1,366 to $5,641</td>
</tr>
<tr class="row-4 even">
	<td class="column-1"><b>Disease and insect control</b></td><td class="column-2">Less than $100</td>
</tr>
<tr class="row-5 odd">
	<td class="column-1"><b>Tree trimming</b></td><td class="column-2">$460</td>
</tr>
<tr class="row-6 even">
	<td class="column-1"><b>Landscape design</b></td><td class="column-2">$1,954 to $6,971</td>
</tr>
<tr class="row-7 odd">
	<td class="column-1"><b>Deck construction</b></td><td class="column-2">$7,300</td>
</tr>
<tr class="row-8 even">
	<td class="column-1"><b>Exterior light installation (10 lights)</b></td><td class="column-2">$2,000 and $2,500</td>
</tr>
<tr class="row-9 odd">
	<td class="column-1"><b>Drip irrigation system (per acre)</b></td><td class="column-2">$2,150</td>
</tr>
<tr class="row-10 even">
	<td class="column-1"><b>Sprinkler system</b></td><td class="column-2">$2,500</td>
</tr>
</tbody>
</table>
 Ongoing services Having consistent professional help can keep your yard clean and healthy. A well-maintained yard is good for wildlife and also motivates you to get outside more often and enjoy it, so it is a big deal! Lawn maintenance Ongoing lawn maintenance involves mowing your grass and weed whacking the edges of any hardscaping, like the sidewalk, driveway, and flower beds. The lawn maintenance company provides their own equipment, as well as any products that may be needed. In the fall, you can also add leaf removal services and have the collected leaves taken off-site by your maintenance crew. Costs vary depending on the size of your lawn and how intricate any weed whacking may be. According to HomeAdvisor, average prices range between $49 and $218. Depending on your weather, you may opt for weekly or bi-weekly service. The rainier it is in your area, the more frequent mowing may be needed. Pros of hiring a landscaper: Seasonal expense in many areas. During cooler-weather months you may not need to pay for lawn maintenance. Get on a schedule. Avoid tall grass by scheduling recurring services from your maintenance crew. Avoid paying for and maintaining lawn equipment. Upfront and ongoing maintenance costs for lawn mowers and weed whackers can quickly add up, especially compared to the relatively low cost of professional lawn maintenance. Cons of hiring a landscaper: Extra cost added to your monthly budget. Go the DIY path if your budget is already tight or you’re focused on important financial goals like debt payoff.  A fixed schedule may not meet your lawn’s needs. Low rain could mean you’re paying for service even without tall grass. On the flip side, your lawn may be ready for a trim after heavy rain, days before your next mowing is scheduled. Bedding plants and installation Spending time in a yard filled with beautiful plants can give you countless hours of joy throughout the year. Plus, you’ll create a haven for all types of important insects, including pollinators. A professional landscaper can pick out plants that thrive in your area and in specific spots in your yard. You can also get advice on plants that work best for your preferred level of care, whether you want to invest the time to water and weed, pay to outsource those tasks, or focus entirely on low-maintenance plants in your landscape. The cost of getting a landscaper to choose and install plants ranges from $1,366 and $5,641. If your landscaped beds have become extremely overgrown, this expense may be worth the cost, but if you simply need to pop in some annuals to fill up space, this might be a better DIY project. Pros of hiring a landscaper: Create year-round interest. A landscaper’s expertise ensures your flower beds aren’t dull three out of the four seasons of the year. Choose the right plants based on water and sunlight needs. Avoid killing plants and wasting money by picking the right options for your yard’s conditions. Pick colors and textures that complement each other. A landscaper creates an overall theme, whereas a DIY approach may create competing colors, heights, and textures. Cons of hiring a landscaper: Can be costly. The expertise of a landscaper definitely comes at a price. You have less control over designs and colors. A DIY approach may be better if you have a very specific aesthetic you want to achieve in your yard. Disease and insect control Insects are a natural part of the garden’s ecosystem, but some bugs and diseases can actually harm your plants. There are many ways to mitigate these issues on your own, like promoting healthy soil and encouraging beneficial bugs that prey on the damaging types. For instance, ladybugs eat aphids, an insect that can cause major damage to vegetables, fruit, roses, and other flowers.  But if you need help, a professional landscaper can manage these issues as well. Just be sure to ask about the products they use and the ingredients, especially if you grow edibles in your garden. Non-organic ingredients can be harmful to you, your plants, and beneficial insects. A standard pest treatment typically costs under $100, according to Thumbtack. Pros of hiring a landscaper: Fast and easy service. Outsource the work rather than trying to figure out what products and treatment you need. The expertise of specific disease and pest issues. Make sure you’re treating the right problem, so you don't waste money on DIY "solutions" that just don't work. Cons of hiring a landscaper: May use harmful ingredients. Ask what products the landscaper uses and check to see if the ingredients align with your needs, especially if you grow an organic garden or have outdoor pets. Less control over products and processes used. You need to trust the professional you hire. Tree services It’s important to regularly care for any trees near your house since they can cause damage to your home as they grow larger. The biggest issues are trees extending over your roofline and dead trees eventually falling. Regular tree maintenance includes pruning your trees to keep them disease-free and trimming away dead branches. Your trees will stay healthy, and you don’t have to worry about branches falling and hurting someone or something on your property. You can certainly buy the tools needed to care for your trees and take a DIY route, but you also need to learn about how pruning affects each tree and what time of year is best for curbing tree growth. Hiring a landscaper to do the job could very well keep your trees in better shape, not to mention help you avoid the risk of injuring yourself. Just be sure your tree service landscaper is licensed and insured in case they sustain an injury while on the job.  The cost of having tree work done is dependent on how many trees are on your property, their size, and whether or not they need to be felled. Pros of hiring a landscaper: Trees safely pruned: Landscapers have the knowledge and experience to keep people safe. Avoid damage to surrounding property: Falling trees can cause damage to nearby houses, cars, or fences. A professional knows how to cut strategically so the tree lands where it should.  Pick the best season for pruning. Pruning in some seasons spurs new growth, while other seasons are best for managing size.  Utilize the right equipment for hard-to-reach places. Tall trees could require heavy equipment, like a cherry picker or scissor lift. Cons of hiring a landscaper: Can be costly for tall trees. Tree trimming is important, but will take a pretty big bite out of your budget. Unlicensed landscapers could be an insurance liability. An uninsured contractor who gets injured on your property could require you to file a claim with your homeowners insurance policy.  One-time landscaping services In addition to ongoing lawn care, weigh the pros and cons of hiring a landscaper for one-time landscaping projects. Hardscape design and installation No matter what size your yard may be, a professional landscaper can help you design hardscaping to maximize its usability. This could be with decking, a stone patio, pergola, or other hardscape features. The design and installation are typically two different services. A professional landscape design for your outdoor space could range from $1,954 to $6,971. For the actual labor and materials, your costs vary greatly depending on the size, scope, and materials. These projects are typically better left to the professionals instead of a weekend warrior project, unless you have above-average DIY skills. For a homeowner with limited experience, you run the risk of unlevel patio stones or structurally unsound hardscaping if you attempt large-scale projects on your own. Plus, projects like decking typically require city or county permits and approvals.  Pros of hiring a landscaper: Quality craftsmanship. Avoid the DIY “look” by using a detail-oriented landscaper.  Faster results. Get your project completed all at once, rather than fitting it into your own busy schedule here and there. Cons of hiring a landscaper: Expensive costs. Expect to spend several thousand dollars for hardscaping projects. Potential need to manage multiple professionals. You may have to manage the landscape designer and installer separately. Landscape lighting Incorporating lighting into your landscape can add a magical nighttime ambiance to your yard. There are different levels of service depending on the property features you want to highlight in the evening. You could add uplighting towards the home to draw attention to unique architectural features or illuminate walking paths to see where you’re going in the dark. String lights for garden parties are also a popular upgrade when it comes to landscape lighting. Some of these projects are fairly simple to DIY and if you opt for solar-powered lights, you can especially save money since you won't have to plan on an electrician having to wire anything. For bigger projects that do require re-wiring, you may want to hire a professional so you don’t hurt yourself. Electricity is not something that you should play around with. Costs vary on the type of lighting and how far your cables need to go from existing electric lines.  Pros of hiring a landscaper: Safer than DIY. This is especially true if new electric cables are involved. You don’t want to set yourself up for a fire hazard. Cons of hiring a landscaper: Solar projects may be easier. In some cases, DIY projects may be simple if no new electrical cables are needed. Lawn and garden bed irrigation If your summers are marked by dry conditions or inconsistent rain, you might consider installing a sprinkler system for your grass and irrigation lines for your garden beds. Irrigation can keep your plants healthy all year long. If you’ve already invested in lawn seed and garden plants, this could be an important project. Plus, while the average drip irrigation system costs upwards of $2,000 for an entire acre, there are plenty of online DIY tutorials that can help you spend even less. In fact, if you’re willing to do some digging and connect some PVC pipes and soaker hoses, you could knock out this project for around $100 (depending on your garden size). A new sprinkler system might be pricy, but you can purchase a DIY kit if you feel confident in marking zones and digging trenches throughout your entire yard. Based on the mechanics involved, this would definitely be a project for more seasoned DIYers. Pros of hiring a landscaper: A quick process with limited mistakes. A landscaper can quickly get irrigation or sprinklers in place without digging into buried power lines or pipes. Minimal disruption to grass and other plants. Landscapers have tools to limit the disruption to your lawn, especially compared to you digging trenches by hand with a spade. Cons of hiring a landscaper: Small irrigation projects may be simple and inexpensive. You could certainly DIY raised bed irrigation or other areas that aren’t intrusive. Saving with a DIY approach When deciding which projects to complete on your own, start by evaluating your safety and skills. Selecting and planting plants takes a little research, that way you can make sure that you are planting them in the right place. That said, it can be a fun experience and much less expensive to tackle by yourself. Consult the staff at your local garden center to get ideas of what plants perform well in your area. If you make mistakes, you can always plant something new. For projects that have an element of danger involved, like trimming trees or building a deck, consider shelling out the money for the professional. You don’t want to risk building a faulty structure or mistakenly estimating where a tree could fall.  
<table id="tablepress-1337-no-3" class="tablepress tablepress-id-1337">
<thead>
<tr class="row-1 odd">
	<th class="column-1">Project</th><th class="column-2">DIY cost</th><th class="column-3">Professional cost</th>
</tr>
</thead>
<tbody class="row-hover">
<tr class="row-2 even">
	<td class="column-1"><b>Planting</b></td><td class="column-2">Cost of plants</td><td class="column-3">$1,366 to $5,641</td>
</tr>
<tr class="row-3 odd">
	<td class="column-1"><b>Lawn maintenance</b></td><td class="column-2">Average cost of lawn mower: $363 for push mower; $2,450 for rider mower<br />
Plus gas and maintenance costs</td><td class="column-3">$49 to $218 per visit</td>
</tr>
<tr class="row-4 even">
	<td class="column-1"><b>Deck construction</b></td><td class="column-2">$8 to $10 per square foot</td><td class="column-3">~$25 per square foot</td>
</tr>
</tbody>
</table>
 Summary Some landscaping projects are easy to do by yourself over the course of a few hours, but others take a lot of time, effort, and skill. For some homeowners, it isn't worth it to take the DIY route. At a minimum, hire out landscaping projects that may seem dangerous without the right tools or talent. From there, you can gauge how each project cost compares to your budget and timeline to find out if hiring a landscaper is, in fact, worth it for you. Read more: How Much Should You Be Saving For Home Maintenance? My Biggest Financial Mistake As A New Homeowner: Not Building Relationships With Local Service Providers - What cyber liability insurance does not cover

Cyber legal responsibility insurance coverage is fairly complete, however it doesn’t cowl any bills that aren’t immediately associated to a knowledge breach or cyber assault. Each coverage will embrace completely different coated losses, however listed below are a number of the issues which are usually by no means included in a cyber legal responsibility insurance coverage coverage:

  • Third-party bodily harm legal responsibility claims.
  • Third-party property injury legal responsibility claims.
  • Worker fraud and theft.
  • Felony exercise.

This would possibly go with out saying, however cyber legal responsibility insurance coverage solely covers your small business. It doesn’t present any safety for your self as a person. So, for instance, in case your private knowledge was uncovered within the notorious Equifax cyber assault in 2017, you wouldn’t have any safety beneath your small business’s cyber legal responsibility insurance coverage coverage. On this case, Equifax would use their knowledge breach insurance coverage to cowl their losses and make issues proper with its affected prospects.

There’s one crucial level I wish to make right here. While you buy cyber legal responsibility insurance coverage, you’ll need to comply with put sure safety measures in place to stop an information breach from occurring within the first place. If your small business is hacked, and your insurance coverage firm later finds that the breach occurred because of insufficient community safety, it’s attainable that your declare might get denied. 

How knowledge breach insurance coverage works

Information breach insurance coverage works like another sort of enterprise insurance coverage. Your coverage has a premium, a deductible, and a protection restrict.

The premium is the sum of money you pay every month (or yr) to maintain your coverage in power. The deductible is the sum of money you need to pay out-of-pocket in the direction of a declare earlier than the insurance coverage firm will reimburse you. Lastly, the protection restrict is the utmost sum of money that your insurance coverage supplier will provide you with after a coated loss.

If your small business is focused by an information breach or cyber assault, you’ll contact your insurance coverage firm and notify them of the incident. They’ll most likely ship you a bunch of declare paperwork to fill out and return with proof of the breach, like a ransomware electronic mail, intrusion notifications, or irregular community exercise.

Your insurance coverage firm will examine the declare, and if it’s accepted, you’ll obtain a test to cowl the required bills, minus your deductible. Simply remember the fact that when you file a cyber legal responsibility insurance coverage declare, it’s seemingly that your premium will go up.

Who wants cyber legal responsibility insurance coverage?

If your small business handles delicate knowledge, like buyer names, dates of beginning, electronic mail addresses, Social Safety numbers, bank card numbers, or checking account data, you want cyber legal responsibility insurance coverage. It’s that easy. 

Whereas it’s true that some skilled legal responsibility insurance coverage insurance policies embrace knowledge breach protection, it’s normally not sufficient within the occasion of a significant assault. That’s why I like to recommend that each one companies put money into standalone cyber legal responsibility insurance coverage.

Now, I do know what you’re most likely pondering. Possibly one thing alongside the traces of, “my firm’s on-line techniques are 100% safe—we’d by no means get breached.” Or, you may be pondering one thing like, “solely huge companies get hacked. Why would any hacker need the knowledge my enterprise shops?”

Right here’s the trustworthy fact. Companies of all sizes, and in each trade, can and do get focused by hackers. It’s true that giant companies undergo assaults extra usually, however a report from Hiscox discovered that 47% of companies with lower than 50 workers reported no less than one knowledge breach incident in 2019. That determine is up from 37% the yr prior.

For those who’re nonetheless considering cyber legal responsibility insurance coverage, it’s a good suggestion to ask your self what you’ll do if your small business was attacked proper now. Do you’ve gotten an IT safety staff on pace dial? Do you’ve gotten the funds to cowl a six-figure lawsuit? Would the misplaced revenue have any impact on your small business’ operations or your means to pay workers?

Even should you by no means undergo a breach (and hopefully you don’t), no less than you’ve gotten peace of thoughts realizing that you just’re coated if the unthinkable occurs.

How a lot is knowledge breach insurance coverage?

Hiring a landscaper can remove a major headache from both ongoing lawn maintenance and one-time makeover projects in your yard. Depending on your budget and schedule (not to mention your definition of a fun weekend), it may be worth outsourcing some, or all, of your yard projects. At my house, my husband and I typically outsource mowing and weed whacking because it’s a fairly low-cost service compared to the amount of free time we gain back each week. On the other hand, I love gardening, and we regularly tackle projects that involve growing flowers and vegetables without the help of a professional. If you’re considering getting professional help with your landscaping, think about the types of projects you plan to undertake, plus the time, tools, and skill level involved. Here’s a breakdown of both ongoing and one-time landscape projects, plus how to determine if professional help is worth the cost. Average landscaping costs: an overview 
<table id="tablepress-1336-no-5" class="tablepress tablepress-id-1336">
<thead>
<tr class="row-1 odd">
	<th class="column-1">Service</th><th class="column-2">Average cost</th>
</tr>
</thead>
<tbody class="row-hover">
<tr class="row-2 even">
	<td class="column-1"><b>Lawn mowing</b></td><td class="column-2">$49 to $218</td>
</tr>
<tr class="row-3 odd">
	<td class="column-1"><b>Bedding plants (selection and installation)</b></td><td class="column-2">$1,366 to $5,641</td>
</tr>
<tr class="row-4 even">
	<td class="column-1"><b>Disease and insect control</b></td><td class="column-2">Less than $100</td>
</tr>
<tr class="row-5 odd">
	<td class="column-1"><b>Tree trimming</b></td><td class="column-2">$460</td>
</tr>
<tr class="row-6 even">
	<td class="column-1"><b>Landscape design</b></td><td class="column-2">$1,954 to $6,971</td>
</tr>
<tr class="row-7 odd">
	<td class="column-1"><b>Deck construction</b></td><td class="column-2">$7,300</td>
</tr>
<tr class="row-8 even">
	<td class="column-1"><b>Exterior light installation (10 lights)</b></td><td class="column-2">$2,000 and $2,500</td>
</tr>
<tr class="row-9 odd">
	<td class="column-1"><b>Drip irrigation system (per acre)</b></td><td class="column-2">$2,150</td>
</tr>
<tr class="row-10 even">
	<td class="column-1"><b>Sprinkler system</b></td><td class="column-2">$2,500</td>
</tr>
</tbody>
</table>
 Ongoing services Having consistent professional help can keep your yard clean and healthy. A well-maintained yard is good for wildlife and also motivates you to get outside more often and enjoy it, so it is a big deal! Lawn maintenance Ongoing lawn maintenance involves mowing your grass and weed whacking the edges of any hardscaping, like the sidewalk, driveway, and flower beds. The lawn maintenance company provides their own equipment, as well as any products that may be needed. In the fall, you can also add leaf removal services and have the collected leaves taken off-site by your maintenance crew. Costs vary depending on the size of your lawn and how intricate any weed whacking may be. According to HomeAdvisor, average prices range between $49 and $218. Depending on your weather, you may opt for weekly or bi-weekly service. The rainier it is in your area, the more frequent mowing may be needed. Pros of hiring a landscaper: Seasonal expense in many areas. During cooler-weather months you may not need to pay for lawn maintenance. Get on a schedule. Avoid tall grass by scheduling recurring services from your maintenance crew. Avoid paying for and maintaining lawn equipment. Upfront and ongoing maintenance costs for lawn mowers and weed whackers can quickly add up, especially compared to the relatively low cost of professional lawn maintenance. Cons of hiring a landscaper: Extra cost added to your monthly budget. Go the DIY path if your budget is already tight or you’re focused on important financial goals like debt payoff.  A fixed schedule may not meet your lawn’s needs. Low rain could mean you’re paying for service even without tall grass. On the flip side, your lawn may be ready for a trim after heavy rain, days before your next mowing is scheduled. Bedding plants and installation Spending time in a yard filled with beautiful plants can give you countless hours of joy throughout the year. Plus, you’ll create a haven for all types of important insects, including pollinators. A professional landscaper can pick out plants that thrive in your area and in specific spots in your yard. You can also get advice on plants that work best for your preferred level of care, whether you want to invest the time to water and weed, pay to outsource those tasks, or focus entirely on low-maintenance plants in your landscape. The cost of getting a landscaper to choose and install plants ranges from $1,366 and $5,641. If your landscaped beds have become extremely overgrown, this expense may be worth the cost, but if you simply need to pop in some annuals to fill up space, this might be a better DIY project. Pros of hiring a landscaper: Create year-round interest. A landscaper’s expertise ensures your flower beds aren’t dull three out of the four seasons of the year. Choose the right plants based on water and sunlight needs. Avoid killing plants and wasting money by picking the right options for your yard’s conditions. Pick colors and textures that complement each other. A landscaper creates an overall theme, whereas a DIY approach may create competing colors, heights, and textures. Cons of hiring a landscaper: Can be costly. The expertise of a landscaper definitely comes at a price. You have less control over designs and colors. A DIY approach may be better if you have a very specific aesthetic you want to achieve in your yard. Disease and insect control Insects are a natural part of the garden’s ecosystem, but some bugs and diseases can actually harm your plants. There are many ways to mitigate these issues on your own, like promoting healthy soil and encouraging beneficial bugs that prey on the damaging types. For instance, ladybugs eat aphids, an insect that can cause major damage to vegetables, fruit, roses, and other flowers.  But if you need help, a professional landscaper can manage these issues as well. Just be sure to ask about the products they use and the ingredients, especially if you grow edibles in your garden. Non-organic ingredients can be harmful to you, your plants, and beneficial insects. A standard pest treatment typically costs under $100, according to Thumbtack. Pros of hiring a landscaper: Fast and easy service. Outsource the work rather than trying to figure out what products and treatment you need. The expertise of specific disease and pest issues. Make sure you’re treating the right problem, so you don't waste money on DIY "solutions" that just don't work. Cons of hiring a landscaper: May use harmful ingredients. Ask what products the landscaper uses and check to see if the ingredients align with your needs, especially if you grow an organic garden or have outdoor pets. Less control over products and processes used. You need to trust the professional you hire. Tree services It’s important to regularly care for any trees near your house since they can cause damage to your home as they grow larger. The biggest issues are trees extending over your roofline and dead trees eventually falling. Regular tree maintenance includes pruning your trees to keep them disease-free and trimming away dead branches. Your trees will stay healthy, and you don’t have to worry about branches falling and hurting someone or something on your property. You can certainly buy the tools needed to care for your trees and take a DIY route, but you also need to learn about how pruning affects each tree and what time of year is best for curbing tree growth. Hiring a landscaper to do the job could very well keep your trees in better shape, not to mention help you avoid the risk of injuring yourself. Just be sure your tree service landscaper is licensed and insured in case they sustain an injury while on the job.  The cost of having tree work done is dependent on how many trees are on your property, their size, and whether or not they need to be felled. Pros of hiring a landscaper: Trees safely pruned: Landscapers have the knowledge and experience to keep people safe. Avoid damage to surrounding property: Falling trees can cause damage to nearby houses, cars, or fences. A professional knows how to cut strategically so the tree lands where it should.  Pick the best season for pruning. Pruning in some seasons spurs new growth, while other seasons are best for managing size.  Utilize the right equipment for hard-to-reach places. Tall trees could require heavy equipment, like a cherry picker or scissor lift. Cons of hiring a landscaper: Can be costly for tall trees. Tree trimming is important, but will take a pretty big bite out of your budget. Unlicensed landscapers could be an insurance liability. An uninsured contractor who gets injured on your property could require you to file a claim with your homeowners insurance policy.  One-time landscaping services In addition to ongoing lawn care, weigh the pros and cons of hiring a landscaper for one-time landscaping projects. Hardscape design and installation No matter what size your yard may be, a professional landscaper can help you design hardscaping to maximize its usability. This could be with decking, a stone patio, pergola, or other hardscape features. The design and installation are typically two different services. A professional landscape design for your outdoor space could range from $1,954 to $6,971. For the actual labor and materials, your costs vary greatly depending on the size, scope, and materials. These projects are typically better left to the professionals instead of a weekend warrior project, unless you have above-average DIY skills. For a homeowner with limited experience, you run the risk of unlevel patio stones or structurally unsound hardscaping if you attempt large-scale projects on your own. Plus, projects like decking typically require city or county permits and approvals.  Pros of hiring a landscaper: Quality craftsmanship. Avoid the DIY “look” by using a detail-oriented landscaper.  Faster results. Get your project completed all at once, rather than fitting it into your own busy schedule here and there. Cons of hiring a landscaper: Expensive costs. Expect to spend several thousand dollars for hardscaping projects. Potential need to manage multiple professionals. You may have to manage the landscape designer and installer separately. Landscape lighting Incorporating lighting into your landscape can add a magical nighttime ambiance to your yard. There are different levels of service depending on the property features you want to highlight in the evening. You could add uplighting towards the home to draw attention to unique architectural features or illuminate walking paths to see where you’re going in the dark. String lights for garden parties are also a popular upgrade when it comes to landscape lighting. Some of these projects are fairly simple to DIY and if you opt for solar-powered lights, you can especially save money since you won't have to plan on an electrician having to wire anything. For bigger projects that do require re-wiring, you may want to hire a professional so you don’t hurt yourself. Electricity is not something that you should play around with. Costs vary on the type of lighting and how far your cables need to go from existing electric lines.  Pros of hiring a landscaper: Safer than DIY. This is especially true if new electric cables are involved. You don’t want to set yourself up for a fire hazard. Cons of hiring a landscaper: Solar projects may be easier. In some cases, DIY projects may be simple if no new electrical cables are needed. Lawn and garden bed irrigation If your summers are marked by dry conditions or inconsistent rain, you might consider installing a sprinkler system for your grass and irrigation lines for your garden beds. Irrigation can keep your plants healthy all year long. If you’ve already invested in lawn seed and garden plants, this could be an important project. Plus, while the average drip irrigation system costs upwards of $2,000 for an entire acre, there are plenty of online DIY tutorials that can help you spend even less. In fact, if you’re willing to do some digging and connect some PVC pipes and soaker hoses, you could knock out this project for around $100 (depending on your garden size). A new sprinkler system might be pricy, but you can purchase a DIY kit if you feel confident in marking zones and digging trenches throughout your entire yard. Based on the mechanics involved, this would definitely be a project for more seasoned DIYers. Pros of hiring a landscaper: A quick process with limited mistakes. A landscaper can quickly get irrigation or sprinklers in place without digging into buried power lines or pipes. Minimal disruption to grass and other plants. Landscapers have tools to limit the disruption to your lawn, especially compared to you digging trenches by hand with a spade. Cons of hiring a landscaper: Small irrigation projects may be simple and inexpensive. You could certainly DIY raised bed irrigation or other areas that aren’t intrusive. Saving with a DIY approach When deciding which projects to complete on your own, start by evaluating your safety and skills. Selecting and planting plants takes a little research, that way you can make sure that you are planting them in the right place. That said, it can be a fun experience and much less expensive to tackle by yourself. Consult the staff at your local garden center to get ideas of what plants perform well in your area. If you make mistakes, you can always plant something new. For projects that have an element of danger involved, like trimming trees or building a deck, consider shelling out the money for the professional. You don’t want to risk building a faulty structure or mistakenly estimating where a tree could fall.  
<table id="tablepress-1337-no-5" class="tablepress tablepress-id-1337">
<thead>
<tr class="row-1 odd">
	<th class="column-1">Project</th><th class="column-2">DIY cost</th><th class="column-3">Professional cost</th>
</tr>
</thead>
<tbody class="row-hover">
<tr class="row-2 even">
	<td class="column-1"><b>Planting</b></td><td class="column-2">Cost of plants</td><td class="column-3">$1,366 to $5,641</td>
</tr>
<tr class="row-3 odd">
	<td class="column-1"><b>Lawn maintenance</b></td><td class="column-2">Average cost of lawn mower: $363 for push mower; $2,450 for rider mower<br />
Plus gas and maintenance costs</td><td class="column-3">$49 to $218 per visit</td>
</tr>
<tr class="row-4 even">
	<td class="column-1"><b>Deck construction</b></td><td class="column-2">$8 to $10 per square foot</td><td class="column-3">~$25 per square foot</td>
</tr>
</tbody>
</table>
 Summary Some landscaping projects are easy to do by yourself over the course of a few hours, but others take a lot of time, effort, and skill. For some homeowners, it isn't worth it to take the DIY route. At a minimum, hire out landscaping projects that may seem dangerous without the right tools or talent. From there, you can gauge how each project cost compares to your budget and timeline to find out if hiring a landscaper is, in fact, worth it for you. Read more: How Much Should You Be Saving For Home Maintenance? My Biggest Financial Mistake As A New Homeowner: Not Building Relationships With Local Service Providers - How much is data breach insurance?

For those who’re like me, one of many greatest deterrents to buying any sort of insurance coverage is the price. I understand how helpful insurance coverage might be, particularly for a enterprise, however paying for one thing you won’t ever use can really feel pointless. However belief me once I say the price of cyber legal responsibility insurance coverage is price it.

Like all kinds of insurance coverage, the price of cyber legal responsibility insurance coverage is completely different for each enterprise. Your premium is predicated on components equivalent to:

  • The variety of workers you’ve gotten.
  • The trade your small business operates in.
  • The variety of insurance coverage claims your small business has filed previously.
  • The quantity and kinds of knowledge that your small business shops.
  • The safety measures you’ve gotten in place to stop a breach.
  • The insurance coverage firm that underwrites your coverage.

The one option to know for positive how a lot you’ll pay for cyber legal responsibility insurance coverage is to use for protection and get a customized quote. Nonetheless, I’ll say that knowledge breach insurance coverage tends to be costlier than different kinds of enterprise insurance coverage as a result of the declare payouts are normally fairly expensive. 

Luckily, there are some things you are able to do to maintain your cyber legal responsibility insurance coverage value low. Top-of-the-line issues you are able to do is put money into strong safety software program and gear that mitigate threat and safeguard delicate data.

Additionally, make it possible for your workers have cybersecurity coaching. They need to know easy methods to spot a phishing electronic mail, easy methods to detect system vulnerabilities, and easy methods to keep protected on the web. Insurance coverage firms wish to see that your small business is privy to those dangers, and might spot them shortly. 

The final suggestion I’ve for saving cash on cyber legal responsibility insurance coverage is to bundle your small business insurance coverage insurance policies. Many insurance coverage firms will reward you with a decrease premium if you are going to buy a number of insurance coverage insurance policies, like enterprise legal responsibility insurance coverage and knowledge breach insurance coverage.

The place to get cyber legal responsibility insurance coverage

Cyber legal responsibility insurance coverage will not be as widespread as skilled legal responsibility insurance coverage or business property insurance coverage, however it’s out there from most insurance coverage suppliers that promote enterprise insurance policies. CoverWallet is the proper place to start out on the lookout for insurance coverage. They allow you to examine a number of insurance coverage firms all with one handy software. They will even assist you determine what sort of insurance coverage you want earlier than you apply. 

When you discover a supplier you’re pleased with, you’ll must determine how a lot protection to get. Most insurance coverage firms supply protection anyplace from $100,000 to $5 million and above. The quantity of protection you want goes to be completely different for each enterprise, and you’ll ask your self some primary inquiries to get began:

  • How safe is your system?
  • What number of prospects would you need to notify if their data acquired stolen?
  • Might you afford to pay for an IT staff to patch the system flaw?
  • What’s the possibility {that a} potential breach would put your organization within the native information?
  • Might a breach take your organization offline for a number of days or longer?

The upper your protection restrict is, the upper your premium shall be. However don’t skimp on protection simply since you wish to keep away from paying an costly charge. In case your knowledge breach insurance coverage coverage doesn’t cowl the total value of a declare, you’ll need to pay the remainder out-of-pocket. And bear in mind—the typical value of a cyber assault on a small enterprise is greater than $2.5 million.

Abstract

Cyber legal responsibility insurance coverage isn’t legally required, and in contrast to common legal responsibility {and professional} legal responsibility insurance coverage, you gained’t want it to get an workplace lease or signal a contract with a consumer. Nonetheless, I nonetheless extremely suggest this kind of insurance coverage for each enterprise proprietor who’s dealing with delicate data. 

Cyber assaults aren’t any joke, and so they can occur to any enterprise at any time. Belief me once I say that even probably the most safe companies are inclined to motivated hackers. Luckily, a cyber legal responsibility insurance coverage coverage can defend your small business legally and financially within the occasion of a breach. 

So, if I’ve satisfied you to put money into a cyber legal responsibility insurance coverage coverage, begin suppliers and chat with an agent to determine how a lot protection you would possibly want. Use my strategies to maintain your premium low, and overview your protection yearly to ensure it’s satisfactory.

Most significantly, although, I urge you to check out your safety techniques and put measures in place to mitigate threat. There are many inexpensive safety software program available on the market that may strengthen your community. As you scale, you would possibly even take into consideration hiring an IT-focused worker who can have eyes in your community always. 

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