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R&R Insurance Blog

Building Vacanies: Are You Covered?

Posted by Julie Liebelt

One very obvious result of the economic downturn is how many times we notice once-thriving businesses we drive past every day are now sitting empty. This is troubling from an insurance perspective as well.

Vacant buildings are prone to certain types of perils. It's important to know that the majority of property insurance policies contain a vacancy condition that eliminates coverage entirely for vandalism, sprinkler leakage, building glass breakage, water damage, theft or attempted theft. This condition applies if the building that you own (or in which you are a tenant) has been vacant for more than 60 consecutive days. If another peril caused the loss, such as fire, the loss payment would be reduced by 15 percent.

Most policies apply the vacancy condition if less than 31 percent of the building's square footage is rented or used to conduct customary operations (note that buildings under construction are not considered vacant).

Wisconsin businesses, if you have a concern with vacancy, please contact a knowledgebroker so we can address the situation with your carrier. There are options - and we can help.

Topics: julie liebelt, insurance for vacant buildings, vacant building, vacant property, vacancy, Business Insurance

R&R Encrypts Email For Added Security

Posted by Julie Liebelt

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R&R Insurance Services is committed to providing our customers with the highest level of service and support. We take the safeguarding of our customers' personal information very seriously. Your privacy will always be a priority at R&R Insurance Services. Because of this, R&R has a company-wide policy to use encryption software when sending any email that contains personal, identifiable information.

Encrypting an email message that contains personal or non-public, identifiable information about our customers, their family members or employees greatly diminishes the risk of that information being intercepted by third parties. We are confident that it is in the best interest of our customers to take appropriate measures to protect their information from potential identify thieves.

R&R Insurance uses RPost, an email encryption service to handle our encryption needs.

RPost's Secu(R)mail encrypted email services are effective for electronic delivery and execution of documents required or regulated under the Health Insurance Portability and Accountability Act of 1996 ("HIPAA"). RPost also preserves data integrity by legally verifying that precisely what was sent is what was received by the other side. To view an encrypted message, the recipient needs only to open the message, click on the attachment and enter a password.

Should you have any questions regarding our encryption policy or our corporate privacy policy, contact Julie Liebelt.

Topics: Personal Insurance, R&R Insurance News, julie liebelt, privacy policy, RPost Secu(R)mail, protect your information, encrypted email, potential identity thieves, Business Insurance