Personal Cyber Insurance ensures that if cybercrime strikes, you and your family are financially protected—not left to face the costs alone.

What Is Personal Cyber Insurance?

Personal Cyber Insurance provides financial protection and recovery services when cyberattacks, fraud, or online threats affect your household. It’s different from homeowners or auto insurance because it covers digital risks, including:

• Identity Theft Expenses – legal help, credit monitoring, and support to restore your identity.

• Cyber Crime – losses from fraudulent wire transfers, hacked bank accounts, and phishing scams.

• Cyber Extortion (Ransomware) – ransom payments and professional IT support to restore access.

• Data Recovery – restoring or replacing lost personal files, photos, and documents.

• Cyberbullying – therapy, tutoring, relocation, and content removal if a household member is targeted.

• Breach Event Costs & Privacy Liability – protection if personal information you handle (e.g., through volunteering) is stolen or exposed.

Why It Matters Right Now

Households manage dozens of connected devices—phones, laptops, smart TVs, doorbell cams, even appliances. Each one can be an entry point for hackers. Without protection, the financial and emotional recovery lands on you. Personal Cyber Insurance adds a safety net.

What Does It Cost?

Coverage is typically more affordable than most people expect, with limits commonly offered from $100,000 up to $1,000,000. Ask us for current pricing and options that fit your needs.

Extra Value: Identity Protection Tools

Many policies include identity protection services (credit monitoring, dark web scans, social media privacy tools, VPN, password checks, lost wallet support) to help prevent issues—plus experts to help you recover if something happens.

How to Get Started (It’s Simple)

1.  Choose a coverage limit – that fits your risk and budget.
2.  Complete a short application.
3.  Activate your identity protection tools – and enjoy 24/7 claims support.

We’re Here to Help You Stay Secure

Cybersecurity Awareness Month is the perfect time to take action. Awareness is important—but protection is better. With Personal Cyber Insurance, you can safeguard your identity, finances, and family this month and every month.

At Curran Cooney Penny Agency, we know your life is more connected than ever — and with that comes new risks. From online shopping to smart devices, every click can open the door to cyber threats.

That’s where Personal Cyber Insurance comes in, protecting you from identity theft, fraud, data loss, and more. Our team helps you understand your coverage, identify potential risks, and guide you through the claims process if something happens.

Your digital life deserves the same protection as your home, car, and business — and we’re here to make sure you’re covered with confidence.

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Think about your jewelry as an item in your home, if something where to happen to it, that means it would count as a homeowner’s loss. Any claims on your homeowner’s policy are never a good thing and can affect your policy in a negative way. It can be hard to get your homeowner’s policy back to the rate it was initially at once a jewelry loss is put on your policy. There can also be limitations on the homeowner’s policy that will have the jewelry claim hit capacity and it cannot be restored to what you originally paid for it. There are also a lot of carriers that do not support the higher-valued jewelry, which again means that there may be a problem when trying to get the exact money you paid for your item back to full capacity.

Some benefits to having a standalone jewelry insurance policy are the higher limits you can get for your jewelry as compared to having it listed on your homeowner’s policy. Even the most expensive of jewelry will be supported at a higher-value asset on your policy. You can also list a co-insured for the jewelry unlike a homeowner’s policy where you cannot list family members to be associated with your jewelry coverage. There are good perks available for having a standalone jewelry policy such as discounts for good appraisals, home alarm system and safe storage for when your jewelry is not being worn. Of course, let’s not forget the biggest savor of them all which is that on a standalone jewelry policy- jewelry claims do not impact homeowners’ coverage! So, you will not have to stress about these claims increasing your insurance premiums when they will be covered elsewhere.

Fun fact: According to a statistic from JIBNA Personal Jewelry Insurance, “70% of personal property theft losses are jewelry.” It goes without saying that jewelry is very important and even more so, expensive. All the more reason to protect it by designating a specific policy to help take care of a worse-case-scenario such as this.

Interested? Contact our office for a quote today!

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Here are some important facts about flood insurance.

• Flooding can happen anywhere, at any time. In fact, according to FEMA, more than 40% of claims come from homes outside high-risk flood areas.
• Flooding is not covered under a Homeowners Policy. A separate flood policy is needed.
• There is a 15-30 day waiting period for new coverage to begin.
• Contents must be purchased separately under a flood policy, and it has its own deductible. A detached structure would need a separate policy.
• There are limitations to what is covered under a basement (exclusions include: finished walls, flooring and personal property is not covered).
• Your home must be insured to at least 80% of its full replacement cost or you must carry $250,000 Dwelling coverage to avoid deduction for depreciation in the event of a claim.
• Call us for a quote or to represent you on your existing flood policy that you insure elsewhere.
• In addition to National Flood, we represent many private flood companies.

You can buy Water Backup coverage under a Homeowners policy.

Please do not hesitate to contact our office for any of your insurance needs!

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Basically to be covered, it has to be one of the named perils contained within the policy and if it falls outside of that there is no coverage. We would like to introduce you to “equipment breakdown coverage” and there’s one policy in particular that we feel is perfect for small manufacturing firms. Not only does it provide additional machinery breakdown such as boilers pressure vessels elevators and heating and air condition units, but this one could also cover your manufacturing equipment itself and in the case of what is shown in the picture above, that claim amounted to $20,000 paid to the client.

In this case, the device had to be sent to Italy to get repaired and repair with the expedited costs during the coronavirus, brought the repair up to that amount. The client was never the less very happy with the outcome and was even happier to have chosen to secure this coverage.

Come to Curran Cooney Penny Agency and let us help you ensure your world!

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Patti and I began our insurance careers at the young age of 23 and were given the opportunity to go into business for ourselves at age 26.  We worked tirelessly to gain the respect of others and loved being the small business owners that we were.  To this day, we still work extremely hard to try to lead by example,  respect others and be really good at what we do.

As we look towards the future, we will embrace all the changes coming while never forgetting where we came from.  We will never forget who we serve and the reasons why you chose to work with us.  Thank you for all your support.

Michael and Patti Wittkowski

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THE NEW YORK WORKERS COMP RATING BOARD (NYCIRB) IMPLEMENTED A NEW RATING CLASSIFICATION CODE FOR IDLE  EMPLOYEES IN RESPONSE TO COVID-19

Effective 5/1/20 to all new and renewal policies after 5/1/20 as well as to all in-force policies as of 3/16/20, the NY Comp Insurance Rating Board has added a new classification – code 8873, Telecommuter Reassigned Employees for those employees that are being paid while not working or working in a different role during New York’s stay-at-home order due to COVID-19.

“… to the payroll of employees who, during New York’s stay-at-home order related to the COVID-19 pandemic (and future stay-at-home orders), are reassigned to either (a) not perform any work duties (idle), or (b) perform clerical work duties at home. The loss cost rate for Classification 8873 will mirror the rate for Classification 8810 (clerical office employees). Further, this provision is applicable at the start of New York’s stay-at-home order and for up to 30 days after its conclusion.”

Furthermore, NYCIRB states claims involving a COVID-19 diagnosis and an accident date on or after December 1, 2019 will be excluded from the experience rating modification of individual employers.

The NYCIRB bulletins can be found here: http://nycirb.org/bulletins/rc2512.pdf

We at CCP urge you to keep clear records of payroll that was reassigned duri

ng the stay-at home order to help at the time of audit.  One underwriter we inquired with also mentioned that we can make this change during the policy term if you would like us to.  This means you do not need to wait until audit, but she was very firm that is important to keep very good records so any changes being made are  clear to the auditor.

If you have any questions about this matter, please contact us at 516-484-5200 or email us at info@ccpinsurance.com.

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If you have a question about your policy payment and you have suffered financial hardship due to the COVID-19 pandemic, please contact your carrier directly or us at  516-484-5200 to discuss your policy and any premium due.

Link to emergency order: 
https://www.dfs.ny.gov/system/files/documents/2020/03/re_consolidated_amend_pt_405_27a_27c_new_216_text.pdf

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Cancel for Any Reason coverage will soon be available in New York State. If you are considering traveling and would like to have this coverage, it will be available once the carriers have updated their filings and policy forms. Please see attached article link from one of our new sources as well as a link to the Travel Insurance Website that we recommend. They are so friendly, knowledgeable and provide excellent guidance. I use them myself for all my travels. -Mike Wittkowski

Travel Policies Offered in New York as Coronavirus Spreads
https://www.insurancejournal.com/news/east/2020/03/09/560599.htm

The travel insurance I use:
https://www.quotewright.com/affiliate/2500_5598

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(Also see the PowerPoint in this link for more information – AETNA International business) 

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